Shenzhen Qianhai Weizhong Bank will combine the Internet to provide efficient and differentiated financial services. With the concept of "inclusive finance", it mainly meets the needs of small and micro loans for individuals or enterprises. In the future, we will use the Internet platform to conduct business, and rely on the platform to cooperate with other financial institutions to conduct business. The risk control of banks has introduced a nationwide bank risk control system. On this basis, Tencent's technical capabilities in the Internet field will be introduced, and technologies such as big data will be used to control business risks.
Two. Xi' an bank co., ltd
Xi 'an Commercial Bank, the predecessor of Xi 'an Bank, was established on May 3, 1997. Is a local joint-stock commercial bank controlled by the Xi government, with foreign participation. The growth of the main operating indicators of the bank in the past three years is equivalent to the development level of the previous 2-3 years. In 2008, in the annual "Top 300 Asian Banks Ranking" published by Asia Weekly in Hong Kong, the bank ranked first with a net profit growth rate of 500%. In 2009, with the approval of China Banking Regulatory Commission, China Cinda Asset Management Corporation, scotiabank and Xi Municipal Finance Bureau made strategic investments in the bank, directly introducing 2.3 billion yuan of funds from inside and outside the province, bringing the total share capital of the bank to 3 billion yuan.
3. Bank of Nanjing Limited
Nanjing Bank Co., Ltd. was established on February 6, 2006, with its registered place at No.288 Zhongshan Road, Xuanwu District, Nanjing, and its legal representative is Hu. On May 13, 2020, as the first initiator, we jointly launched the "Digital Transformation Partnership Action" initiative with the National Development and Reform Commission.
JD.COM Baitiao is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
1, JD.COM IOUs.
“JD。 COM White Strip is a credit payment service for users with high credit rating and consumer demand through credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Step 2 consume
"White Strip" also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.