小微贷投放超3000亿,招行“生意贷+”强势升级
近日,生意贷+招商银行发布最新小微贷款数据,小微行强今年小微企业贷款累计投放已超过3000亿元,贷投有力支持实体经济。放超
自2012年招行小微业务起步以来,亿招经过近4年的势升快速发展,截至目前小微贷款客户已达43万户,生意贷+成为中国最大的小微行强小微贷款服务商之一。在此期间,贷投招行始终将发展小微业务作为其战略重点,放超充分发挥其零售业务整体优势,亿招强化量化风险管理,势升积极创新小微客户服务模式。生意贷+
其中,小微行强小微金融服务品牌 “生意贷”更是贷投以“创新的产品设计、高效的服务流程、极致的客户体验”赢得了市场和客户的青睐,招行也因此先后获得“全国银行业金融机构小微企业金融服务先进单位”、“中国最佳小微企业银行”等荣誉称号。随着移动互联和大数据技术的广泛应用,招行顺势将其小微业务升级到2.0模式,推出升级品牌“生意贷+”, 在服务、产品、流程及风控等方面实现全面升级。
助力小微,“生意贷+”全新起航
从 “生意贷”到“生意贷+”,体现了招行小微贷款的互联网发展路径,既保持“生意贷”的传统优势,又以技术研发实现两大升级——把线下服务升级为线上服务,把单纯的贷款流程整合升级为一站式综合服务。
据悉,目前招行“生意贷+”在产品系列方面涵盖了抵押、信用等不同担保方式;服务范围除了融资服务,还能提供结算、财务管理、经营培训、商务社交等综合金融服务;在智能服务方面,“生意贷+”通过手机银行率先实现了包含一键申请、一键查询、在线转贷、在线估房等在内的“全自助”线上服务。
让贷款插上互联网的“翅膀”
来自南京的俞先生是一位从事烟酒副食品批发的小微企业主,拥有一套自有房产,近期急需一笔资金周转,抱着试一试的心情,俞先生通过招行手机银行“在线估房”功能进行房产评估后在线提交了简单的申请,没想到第二天就有客户经理联系上门办理相关手续,短短几天就拿到了50万元的贷款,解决了 “燃眉之急”。俞先生表示“招行的产品非常人性化,线上申请很方便,而且贷款年限可以做到20年,这样也能缓解我每个月的月供压力”。“在线估房”是招行基于大数据平台和量化风险控制模型的应用,在线上场景引流中的进行的全新尝试。客户通过招行手机银行即可在线评估房产价值,并且据此办理小微贷款,据悉该功能上线仅10天就有近25万客户点击评估。未来,招行还将在线上功能和数据库方面持续迭代完善,进一步凸显和发挥招行零售在“互联网+”O2O平台上的战略优势。
近日,从事电器经营生意的陈女士通过招行手机银行自助完成了一笔“自动转贷”申请,不久就接到审批通过的通知,“自动转贷后,每月仅需还款不到1万元,比起原来贷款到期要一次性还款100万,轻松了不止一点点!”陈女士表示。据介绍,上述“自动转贷”业务是招行“生意贷+”产品的重要创新,凡在招行办理经营性贷款的客户,只要资信良好且满足结算要求,在贷款到期前,招行系统就会自动发放一笔新贷款为客户归还原贷款的剩余本金,客户仅需按时归还新贷款的利息即可,实现了小微客户贷款资金到期后的无缝对接。
(责任编辑:行业动态)
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