How can Yunnan make small business loans live through big data capture analysis
Time:2020-08-27 10:21:17 Viewed:
According to the network big data monitoring, since the outbreak of pneumonia in COVID-19, many small and micro enterprises have fallen into liquidity difficulties due to various reasons, and they are in urgent need of funds for blood transfusion and oxygen supply. At the same time, they are faced with problems such as few mortgage assets and weak guarantee ability.
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In view of the pain points, difficulties and blocking points of financing for small and micro enterprises, Yunnan Bank of China, with the help of Internet and big data capture analysis technology, comprehensively evaluates enterprises by mining and analyzing the data information of enterprises and their legal representatives, and relies on risk control models and strategies to provide online and pure credit loan services for small and micro enterprises, thus opening up the "last mile" of financing channel for small and micro enterprises.
Apply online without mortgage or guarantee. An electromechanical equipment company in Kunming affected by the epidemic also encountered the problem of no suitable collateral when applying for loans. Based on the settlement and operation situation of the enterprise, Yunnan Bank of China signed the product through online banking, and made full use of the big data capture analysis technology to evaluate it. The system automatically and quickly approved the credit line. After the enterprise was granted the credit line for the product soon, the line could be recycled within the validity period of the line, with the shortest use of one day and the longest use of one year.
Since the beginning of this year, in order to support more small and micro enterprises to obtain mortgage-free credit loan support, enrich the credit product system of small and micro enterprises, optimize the online loan product application, approval and issuance process, truly realize the whole online loan process operation of small and micro enterprises, continuously improve the issuance efficiency of small and micro enterprise credit loans, promote employment stability basically by supporting small and micro market entities, and help "six stability" and "six guarantees".
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