Recently, banks have entered the O2O network loan field and used POS water to lend to merchants. A few days ago, Shanghai Pudong Development Bank and Tonglian Payment announced the launch of Tonglian Baby POS Loan Business.
It is understood that Tonglianbao POS Loan is a personal online loan product jointly launched by Tonglian Payment and Pudong Development Bank. The POS transaction flow of Tonglian Payment Company is used as the credit basis, and the whole process online is provided for the acquiring merchants of Tonglian Payment Company which meet the basic conditions of credit granting. loan. The POS goods are unsecured and unsecured. The merchants' own stable POS transaction records and the monthly average balance of the franchise are the basis for loan approval, and the online operation takes up to 5 minutes.
According to the reporter's understanding, the product range is 1,000 yuan - 1 million yuan, the loan period is up to 1 year, the period can be repaid at any time, the annualized rate is 11.2% -16.2%, "the current supported bank card has China, Agriculture, Construction, China Merchants Bank and Shanghai Pudong Development Bank. However, if the Shanghai Pudong Development Bank card is used, the loan interest rate will drop by 1%,†said the person in charge of Tonglian Payment. “Compared to the traditional model, this product is particularly suitable for small and micro enterprises with short-term funding needs.â€
Regarding how to control the risk of Internet lending, Liu Tao, product manager of Shanghai Pudong Development Bank, said in an interview: "We comprehensively control the credit risk of the internal information system of the Tonglian and the credit information of the People's Bank of China, and then verify the bank card and verify the personal information. Records of the same name bank card to ensure the authenticity of the identity of the online loan."
It is reported that POS loans have been piloted in Taiyuan and Guangzhou in August this year. As of now, there have been more than 40 million credits. “Taiyuan’s business is progressing very well. According to this trend, according to more than 30 branches of Pufa National, the credit scale of 3.6 billion a year is certain!†said the relevant person in charge of Pufa Guangzhou Branch.
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