Fox Pratt & Whitney uses technology blood transfusion small and micro enterprises to match low-cost funds faster

category:Finance
 Fox Pratt & Whitney uses technology blood transfusion small and micro enterprises to match low-cost funds faster


Compared with the traditional capital heavy loan assistance mode, under the light capital loan assistance mode (also known as the profit sharing mode), the loan assistance platform does not need to spend margin to cover bad debts, but only needs to complete the preliminary screening and then push users to financial institutions.

The head financial technology loan assistance platform has begun to tilt to the asset light mode. With the development of financial technology and the deep integration of technology and credit, the credit process is constantly subdivided into specialized fields, including: customer screening, obtaining funds, risk control and other businesses. This brings opportunities for closer cooperation and complementary development between science and technology lending institutions and traditional financial institutions. In 2020, with the outbreak of the epidemic, financial science and technology will show its strong advantages,

The light capital model loan assistance is not a new thing just now, however, it is being adopted by more and more financial technology loan aid institutions since this year. 360 finance told zero one finance and economics that this proportion will reach about 35% - 40% by the end of the year. In a conference call after the publication of the first quarter, Lexin revealed that the goal was to reach 50% by the end of the year.

The person in charge of fox Pratt & Whitney, which focuses on small and micro businesses business loans, also said: enterprises with financial technology advantages have the advantage of natural asset light loan assistance mode. In addition, the policy is also conducive to the loan assistance. We will take advantage of the scientific and technological advantages of fox financial services and the resource advantages of housing mortgage loans for many years to expand the proportion of loan assistance business under the asset light mode.

Efficiently solve the capital problem of small and micro enterprises

Mr. Wu, who lives in Tianjin, is the boss of a foreign trade electronic component enterprise. In order to expand the scope of business, Mr. Wu, in addition to his own two bedroom property mortgaged all the year round, also has a real estate in the urban area. Mr. Wu hopes to use his fathers real estate mortgage loan to support his expansion of business. However, Mr. Wus father had no company, and his real estate was owned by his father himself. He could only do personal mortgage for large consumption loans, with a credit of 1 million, which was far lower than the value of the property and far less than the amount of Mr. Wus prepayment.

Mr. Wu launched a financing consultation with Foxs public welfare official account and described the bottleneck of corporate loans. The staff of fox Pratt Whitney quickly made financial financing and turnover plans for Mr. Wus situation, and quickly matched the mortgage loan products of Shanghai Pudong Development Bank, which has a relatively loose access mechanism. The loan can be up to 5 million yuan and can be used as real estate mortgage for immediate family members. The borrowers age is required to be 18-70 years old, and the examination and lending time is short, which can solve Wus problem Sir, enterprise prepayment is in urgent need.

There are a lot of small and medium-sized enterprises like Mr. Wu who have the demand of operating loans. However, due to the limitations of their own financial products, it is difficult to obtain low-cost funds. At this time, professional loan assistance services are particularly critical. Financial technology can efficiently match suitable financial products for small and medium-sized enterprises and obtain funds quickly.

In 2020, novel coronavirus pneumonia was widespread, and closed measures were taken in all regions to reduce the number of people gathered. At this time, the offline audit business is almost at a standstill, which is to the small and medium-sized enterprises facing financial difficulties. In order to solve the urgent needs of small and micro enterprises under the epidemic situation, fox Pratt Whitney has built a one-stop small and micro enterprise loan transaction cloud platform, which has realized the online services of online import, online approval, video down door, online face-to-face examination, online face-to-face signing, and formed a complete online housing mortgage credit process. Small and micro enterprises can quickly apply for loans without leaving their homes.

The small and micro enterprise loan transaction cloud platform is built by big data, artificial intelligence, blockchain and other technologies. Through the automation and scientific transformation of the key links of the loan business, it realizes the online and standardized whole process business, helps the national loan brokers expand customers and improve the service quality, and helps financial institutions expand the small and micro enterprise loan market. It is reported that the small and micro enterprise transaction cloud platform can greatly simplify the loan processing process, shorten the industrys average 7-day acquiring process to 10 minutes, and shorten the average loan process that takes more than 10 days to the fastest two-day lending. In terms of customer evaluation, the risk control model analyzes the multi-dimensional data of users, and gets more accurate evaluation results at the fastest second level. Science and technology are helping the financial industry to become more efficient. Financial technology enterprises with scientific and technological advantages are constantly helping the efficient development of the financial industry and helping the implementation of Inclusive Finance Strategy. Source: editor in charge of mass news: Chen Tiqiang_ NB6485

The small and micro enterprise loan transaction cloud platform is built by big data, artificial intelligence, blockchain and other technologies. Through the automation and scientific transformation of the key links of the loan business, it realizes the online and standardized whole process business, helps the national loan brokers expand customers and improve the service quality, and helps financial institutions expand the small and micro enterprise loan market. It is reported that the small and micro enterprise transaction cloud platform can greatly simplify the loan processing process, shorten the industrys average 7-day acquiring process to 10 minutes, and shorten the average loan process that takes more than 10 days to the fastest two-day lending. In terms of customer evaluation, the risk control model analyzes the multi-dimensional data of users, and gets more accurate evaluation results at the fastest second level.