It is reported that, "POS loan" is based on small and micro enterprises CCB merchants bank card acquiring transactions, issued its RMB credit loans for short-term production and management turnover recyclable. Yiwu Hotels Approved transactions according to acquiring the loan amount, the use of recycled credit, a client evaluated using the score card model, with convenient features. The loan amount up to 200 million, the maximum period not exceeding one year. According to enterprises in the CCB product usage, scorecards score results, etc., on the implementation of differentiated lending interest rate management.
The main crux of the small micro-enterprise financing difficulty lies in its lack of information and credit history, while CCB big data product based on customer credit history data analysis and mining, proactive and active pre-screening clients credit, helping improve the financial coverage of small and micro enterprises, It is to promote "inclusive finance" a strong starting point, Yiwu market but also the revolutionary innovation of small micro-enterprise credit products. Principle "POS loan" business CCB play to their advantages in terms of information, resources, technology, our know mass merchant transactions, based on small and micro enterprises POS machine credit card transaction flow of information, through the analysis of POS merchant transactions, credit conditions and to provide loans.
After screening large data, the bank selected a number of relatively high-quality and has a potential for development of small and micro enterprises, according to the actual situation of individual enterprises, Yiwu Futian Market providing attentive professional service. According to incomplete statistics, at present the bank "five loans through a" big data credit customer 179, a total payment volume reached 1.186 billion yuan.