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You may have a hard time imagining that the roadside bakery, small vegetable stalls, and door-to-door service technicians only need a little bit of a mobile phone to make a one-second loan, and it’s no longer a financial turnaround. As of the end of November 2017, more than 1.55 million micro-businesses have received loans from online merchant banks. The POS market may be further impacted. After all, the use of Alipay collection is not only free of cash withdrawals, low rates, but also loans, insurance, medical expenses, etc.!
6 months, 1.55 million lines, "code dealers" got the loan
In June 2017, the online merchant bank relied on Alipay mobile payment, extending from the “online service provider†of the service line to the “code provider†under the service line, and launched the “multiple collection and multi-loan†loan service for offline micro-operators. So that the small stall owners and self-employed individuals can also make a one-second loan through the mobile phone.
In just 6 months, more than 1.55 million offline micro and micro operators have obtained loans from online merchant banks. During the double 12 period, the “Marketing Financial Carnival†launched by the network merchant bank, in just 17 days, more than 360,000 yards of merchants applied for and obtained loans, and more than 2.09 million yards of merchants began to use the merchant-specific cash management tool “Yu Libao†"The total number of participants in the event exceeded 10.95 million.
Different from the long-term use of large enterprises, the micro- and micro-operators are more careful. In order to save interest, they only apply for loans when necessary, and repay the loans as soon as possible. There is demand for re-lending, and the characteristics of “small, urgent, short, and frequent†obvious. According to the data of the online merchants, the average loan amount of the offline micro-operators is only 7615 yuan, the average capital use time is 50 days, and the operators who have borrowed more than 3 times within 6 months have reached 35%.
At present, the offline micro-operator loan service of the online merchant bank has covered 342 cities in 32 provinces in China, among which Wuhan and Hangzhou have the largest number of loans, and the offline micro-operators in the second- and third-tier cities are generally in strong demand for loans. Zhengzhou, Suzhou, Wenzhou and Chengdu rank among the top ten in the country and rank higher than Beishangguangshen.
From the perspective of the industry, the “code vendors†of online merchant banking services are mainly based on operators in the service industry, among which 19% are retailers such as clothing stores, supermarket convenience stores, tobacco and groceries, catering, education, beauty, maintenance, and housekeeping. Such as pure service businesses up to 81%.
The NPL ratio is only 0.78%
Unsecured, unsecured, and lack of wind control data is the most important reason for the traditional financial services to serve small and micro businesses. After using "code" to realize the Internetization of offline merchants, online merchant banks have broken through these restrictions through big data and artificial intelligence technologies, and completely changed the financial risk control model.