工行发布“工银融e借”力推个人信用消费贷款
1月5日,工行工中国工商银行在北京正式发布个人信用消费贷款品牌“工银融e借”,发布费贷符合条件的融e人信借款人可以获得工商银无担保、无抵押、借力纯信用的用消人民币信用消费贷款,实现个性化、工行工多层次、发布费贷多元化的融e人信消费需求。 工商银行相关负责人表示,借力“工银融e借”从申请到放款均可通过手机、用消电脑、工行工移动终端等全线上渠道办理,发布费贷在线实时查询是融e人信否可以办理贷款以及可贷额度,最快实时到账,借力实现了“消费+金融+互联网”的用消有机融合,开创了线上自助操作、业务自动处理、风险精准监控的互联网运营模式。 据了解,“工银融e借”具有以下几个特点:一是价格更低,贷款1万,日息约1元,低于市场上同类贷款的利率水平。二是期限更长,贷款最长达到5年期、宽限期最长12个月。三是客户可以通过网上银行或者手机银行实现线上一键即贷。四是还款更灵活,客户可以选择等额本息、等额本金、分期付息一次还本及一次还本付息等四种还款方式,较好地满足了不同群体多层次、多元化的消费融资需求。 在风险控制方面,“工银融e借”依托工商银行长期积累的信贷管理经验和专业化团队,对集团全体客户和全部信贷资产进行风控排查,特别是借助过去30多年的经营发展中形成的,支付链条上沉淀的1.2亿张信用卡与248万线上线下商户的海量数据,运用“数据+模型”方式,实现客户准入、授信、放款、监控和催收管理。据了解,目前工商银行个人信用消费贷款的白名单客户数已达4700万户,主动授信2.7万亿,户均授信5.8万元。
相关推荐
-
CrowdStrike outage is still causing hundreds of flight cancellations daily
-
A Tumblr artist is making a toe necklace out of someone's real toe
-
'Rogue One' tickets will be easy enough to come by, even with crazy pre
-
Swiatek downs Jabeur to retain Italian Open
-
US to oppose North Korean worker dispatch to occupied Ukrainian territory: State Dept.
-
This photo of Melania Trump gardening is Twitter's new favorite meme
- 最近发表
-
- Tesla's big software update includes something called 'Night Curfew'
- North Korea test
- 我市一女童作品入选全国80首参评童谣
- These alternative Christmas cards will stop you in your tracks
- [Graphic News] Average book price nears 20,000 won
- 国庆长假 “12315”响了80次
- N. Korean leader resumes military activity after eight days
- Hero ruins Trump's Hollywood Walk of Fame star with a pickaxe
- Apple's iPhone 17 will come with a huge RAM upgrade, report claims
- A viral Facebook post is seeking out the owner of a lost teddy bear
- 随机阅读
-
- When will Trump and Harris debate? The presidential campaigns snipe over ABC News’ rules.
- Bitcoin drops below $9,000 on (potentially) bad news from India
- Barack Obama says that 'men have been getting on my nerves lately'
- 双节期间 服装业冷暖不一 餐饮业持续火爆
- Amazon Android Days sale 2024: Save on unlocked phones, tablets, and more
- 'Rogue One' tickets will be easy enough to come by, even with crazy pre
- Important announcement imminent? Kim Jong
- Washington 'leaning toward phased approach on NK'
- If aliens harnessed solar power, could we detect them? NASA investigated.
- 落入圈套 3万元打了水漂
- Probe digs into disinfectant
- South Korea, U.S. discuss ways to improve Pyongyang's human rights situation
- Value Judgment
- Everything you need to know about Netflix downloads
- Trump's meeting with Putin was so bad that people are calling it the #TreasonSummit
- Barack Obama says that 'men have been getting on my nerves lately'
- [From the Scene] How ‘world’s first oil town’ is wrestling to become ‘green'
- Hat purchase on Amazon goes awry when a scorpion venom
- 月饼价格“大跳水” 市民购买热情不减
- Spouses' employment status affects South Korean women's mental health
- 搜索
-
- 友情链接
-