WeChat is one of the most popular social software, not only giving us more color in social life, but also bringing convenience to our daily life. Nowadays, consumer finance is changing the conservative consumption concept of people in the past; with the loan experience of a large number of users, the easy-to-obtain operation mode - WeChat loan has become the preferred application channel for many users. Payroll, in order to meet customer needs, launch WeChat loan service, simplify the application process, save users time, and quickly solve their borrowing problems.
Consumer finance continues to heat up the future prospects can be
Capital hot money is rushing, and various scenes of consumer financial products continue to emerge, allowing "consumer finance" to rise to the financial dark horse in 2016. In fact, since the second half of 2015, the temperature of consumer finance has continued to rise, and new money and old money have been invested in the consumer finance sector. Among them, the three most popular e-commerce platforms that are familiar to users are: Jingdong Baizhi relying on Jingdong Mall, Tmall staging based on Tmall Taobao, Alipay Huayu, and Suning Tesco's waywardness Pay, change the loan. The consumer finance market of
is not yet mature, and the relevant legal systems and systems are not perfect, but it is gradually opening up. The economy is undergoing a transition from investment-driven to consumption-driven, and the initiation of consumer finance is an important part. According to a group of data from the China Banking Regulatory Commission, the scale of consumer loans has increased by more than 20% per year, and it is expected to exceed 27 trillion by 2017. This is undoubtedly a huge space. On this occasion, the emerging consumer brand of Internet consumer finance, payroll, was formally established in March last year! At the beginning of its establishment, the payroll products will continue to be updated, and the model will continue to be simplified, striving to become the pocket wallet of the majority of smartphone users.
Focus on user experience WeChat loan widely acclaimed
With the development of mobile Internet, the consumption scene has a strong demand for financial services, forming a huge gap. Consumer finance companies are developing their businesses and trying to create a multi-faceted, humanized consumer finance scenario that will make complex financial needs simpler and more natural.
Move the loan process from the PC side to the mobile side, from a single APP to the WeChat H5, no longer rely on the web page or download the APP to complete the loan. Now, in addition to chat, in the circle of friends, WeChat can also meet the user's loan needs; and the threshold of mobile WeChat loans is relatively low, the loan amount is small, no mortgage guarantee is required, so users can borrow anytime, anywhere, like carrying A mobile wallet is just as easy.
In addition to the convenient service of the above WeChat loan, the payroll will also set the maximum repayment period to 30 weeks/50 weeks. The equal principal and interest will be repaid on a weekly basis and will be settled at any time (and no interest or liquidated damage will be charged). ), not only improve the flexibility of repayment, but also greatly reduce the pressure on customers to repay; at the same time, this is also an important aspect of payroll loans that are different from other small loans.
Among the customer bases of payroll loans, many of them have successfully implemented the loan application by using WeChat. The WeChat message area of the payroll has often received the customer's approval of this application model. “WeChat application is very convenient, good!” I didn't believe it at first. I didn't expect to apply for a loan as simple as this." "Friends introduced me, your platform is good, and it doesn't take a long time to apply!"
Mobile WeChat loan only needs to pay attention to the micro signal, then register the information. Fill in the application. Most of them must be bound to ID cards and credit cards. The loan amount is not high. The application process can be completed in a few minutes, which is very fast. However, we must also remind you that although WeChat loans are very convenient and easy to handle, WeChat loans, like credit cards, must be repaid in a timely manner to avoid the need to pay extra interest due to overdue and adversely affect their credit reporting.