For example, Xiao Wang has a loan line of 50000 yuan. If he wants to borrow money for a month to purchase goods, he needs to pay only 30000 yuan of interest after receiving the interest free coupon.
China has small and micro businesses and individual business owners issuing interest free coupons for the first time in the country. Under the guidance of the CIRC, the three major policy banks, such as the National Development Bank, the China Exim Bank, the China Agricultural Development Bank and so on, have taken the lead in providing low-cost funds to the bank Merchants Bank, and then, with the help of the technological capabilities and the user touch channels of the network business bank, the bank has passed the Alipay. Interest free coupon is a form of accurate drip irrigation for small and micro enterprises to reduce their loan costs.
At the press conference of the State Council on March 13, Yang Liping, chief inspector of the China Banking Regulatory Commission, said that policy banks and commercial banks were encouraged to strengthen business cooperation with private banks that mainly rely on Internet operation, so as to provide precise drip irrigation for small and micro enterprises and improve the availability of loans for small and micro enterprises that resume production.
Because these private banks, which mainly rely on the Internet, have a large amount of big data in their hands, and their business characteristics are mainly to operate with the help of the Internet. They may not have so many network points as traditional commercial banks in terms of capital sources, especially deposit capital sources, and their ability to absorb deposits may be weaker. Then we will encourage policy banks and commercial banks to transfer loans to private banks, give them funds, and then use the big data of private banks to understand the customers through it, especially many small and micro enterprises, some of them are individual businesses, through which these users can be accurately trickled. Yang Liping said.
Jin Xiaolong, President of e-commerce bank, said: this time, we give priority to 81 cities that have already issued consumer coupons to issue interest free coupons, which is exactly the hope that consumer coupons and interest free coupons will work together to promote the further recovery of small stores.