Chapter 660

The so-called Internet banking should be different from traditional banks.

Traditional banks will basically open various branches and outlets offline. Before the large-scale popularization of mobile Internet, various branches and outlets, ATM machines and so on are the main places to deal with banking business.

Nowadays, even if traditional banks keep pace with the times and have opened online banking, electronic payment and other convenient means, they still need to go to the bank to handle related businesses such as account opening, large transfer and loan.

In daily life, the number of ordinary people going to the bank has been less and less since the popularity of mobile payment methods such as pay through, Alipay and other three party payment software and WeChat payment.

Weizhong bank, China's first Internet bank, was born based on this background.

Compared with traditional banks that open branches and outlets offline to handle account opening and card issuance, Weizhong bank does not open physical banks offline.

Users from account opening, deposit, withdrawal, payment, transfer, loan, repayment, invoicing, financial management, currency exchange and other businesses are basically handled online.

In other words, Weizhong bank has almost completely freed users from the two things of physical bank and bank card.

When opening an account in Weizhong bank, users need to go through several layers of important verification, such as ID card, mobile phone number, face recognition and geographical location. All these can be completed directly online through mobile phones with the popularity of smart phones. Later, the business of deposit, withdrawal and payment will be simpler. These processes and links are popular today with the popularity of mobile payment, It has a mature system and security assurance.

Weizhong bank dares to process all sensitive things like money on the Internet without seeing real people. This is based on the user's trust in Weizhong bank and the major shareholder Alipay behind Weizhong bank, which provides the security guarantee for Weizhong bank based on Sesame credit, big data, artificial intelligence and other Internet high and new technologies.

In addition to not involving entities, compared with traditional banks, Weizhong bank has another biggest feature that it positions its largest target customer group, especially one of the core loan business target customer groups, on individuals and small and micro enterprise owners.

When traditional banks lend, in order to reduce the risk of bad debts, they prefer to lend to state-owned enterprises, central enterprises and large private enterprises with complete qualifications.

In contrast, it is difficult for individuals or some small and micro business owners who do small business to borrow money from the bank without guarantee or mortgage of assets such as houses and cars. The micro loan business launched by Weizhong bank for these customers mainly solves this painful problem.

Weizhong bank dares to lend money to individuals and small and micro business owners without guarantee and mortgage, not because Weizhong bank has more silly money than traditional banks, but because behind Weizhong bank, there is massive big data guarantee and technical support of Alipay and wechat payment.

Traditional banks dare not lend money to unsecured individuals or small and micro business owners because they do not know the credit of these customers and their income ability, consumption ability and repayment ability.

Weizhong bank is different.

Over the past few years, with the popularity of wechat and wechat payment, a person's income ability, consumption ability and repayment ability have left clues in the data of Internet Shanghai.

Through big data mining technology, Alipay can establish a fuzzy to complete user portrait for almost every user. The more traces left by users on the Internet, the more complete the user portrait established for them, and the more accurate the recognition of their credit, income, repayment ability, etc.

Alipay can get data that banks can't get, thanks to the huge number of users of Alipay and wechat payment. Theoretically, almost every customer of wechat bank must be Alipay or wechat users!

Xu Jun, a truck driver in Xishan province who is the same age as Fang Zhe, is already the father of two children. After graduating from high school, Xu Jun followed his uncle to run trucks to pull coal and goods.

Today, Xu Jun is an old truck driver who has been driving for nearly 10 years. One of his small ideals is to have his own truck one day.

Unfortunately, the two major events of buying a house and getting married have consumed Xu Jun's savings. After borrowing more than 100000 from relatives and friends, there is still a gap of nearly 80000 yuan from buying a car!

Xu Jun thought of a loan. Originally, Xu Jun wanted to mortgage his house to a bank loan, but his wife always disagreed with him. Xu Jun had to think of another move.

Some friends have been urging him to borrow money from various lending apps, but Xu Jun, who has been in contact with many serial loans in the past two years, is wary of this. A female college student in their village was coerced by nude photos in order to borrow money to buy an iPhone. Finally, his parents borrowed more than 100000 to fill the hole, The female college student later dropped out of college and went out to work before she even finished college. She didn't come back during the Spring Festival. Her parents couldn't even lift their heads in the village.

"Alas! If only the money in the flower could be moved out!" Xu Jun thought helplessly as he looked at the amount of nearly 30000 in general pay.

Xu Jun's wife is an online Shopaholic. She buys things online every once in a while. Almost all of her two children, from milk powder to toys, are bought online. Therefore, in recent years, his spending quota has been brushed to nearly 30000.

In contrast, some of his friends who don't buy online only spend a few thousand yuan. Unfortunately, although there is a lot of money, they can't see it, because they can only be used for online consumption and can't be transferred to yu'e Bao or bank card.

He heard from his friends that there are some people on the Internet who can help spend money and withdraw cash, but they have to charge a certain proportion of handling fees. When Xu Jun was thinking about whether to ask his friends how to do it, he suddenly found that today's Alipay software seems to be different from what he saw in the past.

After watching it carefully twice, Xu Jun found that under the flower chant icon, another borrowing chant that he had never heard of appeared!

Borrow it? What the hell? After listening to the name, Xu Jun guessed that this should be a function of borrowing money similar to Huabai. Someone gives pillows when they really doze off.

Xu Jun ordered to borrow it.

The loading interface shows that the micro loan business of Weizhong bank provides product services and technical support. To be honest, Xu Jun didn't pay attention to this sentence at all. His security trust in Alipay is even stronger than that of the bank.