original title: Jingdong to join the electricity supplier small loan enclosure war
Beijing News (reporter Su Manli) Ali, Suning, vip.com has been the layout of small loan business, Jingdong finance is also unwilling to lag behind. Reporters learned yesterday from the financial Jingdong, the company launched a small loan in Beijing, which provides financial services for Jingdong mall open platform businesses, the annual loan interest rate of 14% to 24%, the maximum loan period of up to 12 months. Currently, Ali, Suning and many other electronic business platform layout small loan business, its lending scale of more than ten billion.
According to reports,
small loan is for Jingdong to open businesses to credit based microfinance services, the current customers are Jingdong open platform businesses, the annual loan interest rate of 14% to 24%. At present, the threshold for a single business loans is 2 million yuan, after the data will be up or down. Wang Lin, senior director of Jingdong’s financial supply chain finance department, said the Jingdong will soon be the business to C2C platform, that is to do to extend the pat network.
in recent years, a number of electricity supplier companies to enter the field of small loan business. In June 2010, the Alibaba launched for small and micro enterprises and individual small business loans; in December 2012, suning.com announced for the consignment, the main push suppliers upstream through the supply chain financing business, Suning small loan financial business opening up; in May 2014, vip.com also get a small loan license.
people’s Bank of China, Jiao Jinpu, director of the Financial Consumer Protection Bureau, said earlier, from 2013 to the beginning of this year, the country has 72 small loan companies out of the market."
analysts said that the Internet giant are now stepping in the field of microfinance, more for their own platform customers can make use of the historical data of customers to a certain extent, determine the risk control, which with the traditional small loan companies to different customers.
financial Jingdong in January this year launched the first supply chain financial products, Jing Bao Bei since the launch had only a bad debt. Ali small loans, said the current NPL ratio of about 1%.