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Three minutes to learn WeChat particle loan amount 10W+

Time: 2016-07-19         Source: Rong 360 original         Author: vivian

Three minutes to learn WeChat microparticle loan amount 10W+. Weizhong Bank recently released its own annual data report. It is reported that the micro-credit loan has been online for one year, and the credit amount has reached 40 billion. This achievement is comparable to that of Alipay's microfinance products. However, over the past year or so, many people have reported that their WeChat has not opened a micro-credit, or even if it is opened, the amount is small, and the key moments cannot be saved. Here, the Xiaobian of Rong 360 summarizes a set of techniques for opening and withdrawing micro-particles for your reference.

Background introduction

Micro-credit: A pure online personal small credit cycle consumer loan product launched by Weizhong Bank for WeChat and QQ users. At present, the maximum loan amount for micro-loan is 300,000, and the daily interest rate is five-thousandths of a million. In the "QQ wallet" and "WeChat wallet", you can see the micro-lending entrance.


Microparticle loan opening

So far, the micro-credit still adopts the white-list invitation system, and the basis of the reference is - Tencent Credit, a big data credit system that is different from the central bank's credit information and self-built. Under this system, the higher your score, the more likely you are to be invited to open a micro-credit.

Let's take a look at the specific composition index of Tencent's credit:

1. The compliance index- From consumer loans, credit cards, mortgages and other information. Whether to pay back on time is an important reference.

2. Safety index—— Is the Tenpay account real-name certification? TenPay is an online payment platform launched by Tencent. It functions like Alipay. If your Tenpay is not open or real-name certified, this item will be deducted a lot.

3. Wealth Index——From the composition of assets and financial records in Tencent products. Alipay has a balance treasure, WeChat wallet has a wealth management, every penny you deposit on the WeChat platform, every small financial action, can greatly enhance your Tencent credit.

4. Consumption index——From WeChat, mobile QQ payment behavior and preference analysis. If you have never spent on Tencent's major platforms, it means that you are weaker than the platform, and the possibility of opening micro-credit is extremely low.

PS,Don't believe in the "granular loan strong" ad. Micro-credit is a whitelist invitation mode.The so-called spending money to open the micro-loan, is not a trick to swindle money, but you should not take it seriously!

Then PS,Opened the amount of micro-loan, you may also receive an audit callAccording to the netizen, the letter reviewer will roughly ask you two questions. Is the loan applied for? Can money be used to stocks? At the same time, your ID number will be reviewed. This is not the case, and your quota may be reset to zero immediately.

Well, after five passes and six, I will finally get the amount of money loans. It is easy to borrow money. How much money you can borrow depends on your ability.


Let's share some tips with everyone.

The first step: WeChat users need to log in to WeChat,Check if there is a micro-credit in my wallet. If not, the user needs to register with WeChat real name, buy something in Beauty or Jingdong, the receiving address is unified, and the highest credit card is bound, so you can grab your credit history. Happening:




Step 2: Click on the micro loan to start borrowingThe micro-loan needs to give you a phone call back. I will ask you what to do with the money. After 3 minutes of the application, I will call you and ask if I borrow money to stock up. I replied that it is not, and then passed!



The third step: check your own Tencent credit information,Most of the user data that Tencent legally obtains is the behavior record of QQ and WeChat users. Your chat, shopping, transfer, the rules of sending friends, etc. are all risk control models, and more and more third-party organizations are also starting. Use design data such as Ping An Bank's Ping An Pratt, Social Loan, Staging, Credit, Ali Money, etc. to apply for credit social data in WeChat can borrow 500,000! Xiaobian experienced it, and it took 72,000 in 3 minutes. This is undoubtedly the innovation of big data!

In the big data model of Tencent's credit, 233,500 data items can be extracted, and the cloud computing analyzes and archives and uses 10 predictive analysis models, such as fraud model, authentication model, prepaid ability model, repayment ability model, and repayment. The willingness model and the stability model, sorting out the traces of your data left in Tencent, you can truly understand your past, analyze your future, and get the final consumer credit score.



Other tips on particulate loan withdrawals:

In addition to real-name certification, the following tips can help with the amount.
1.More on the QQ, WeChat platform for consumption,For example, often send and receive red envelopes, recharge mobile phones, purchase Q coins, game coins, etc.;


2.More money with WeChat, including transfer services, wealth management, credit card repayment, third-party platform payment, etc.These flows, especially the amount of the wealth management, will greatly help your contribution.


3.Live payment and city service functions using WeChat platformAt present, WeChat life payment can pay for water, electricity, gas, broadband, fixed-line, etc., while urban services have opened a series of functions such as hospital registration, social security inquiry, and illegal traffic investigation.


4.Participate in Tencent Public Welfare Activities. Whether it is on the Alipay platform or the WeChat platform, it is undoubtedly a matter of great importance to the public welfare. It is a rose, a handful of fragrance, and perhaps a humble donation to help a patient who has been plagued by the disease for a long time. These are also helpful to the credit value of Tencent’s credit and the increase in the amount of particulate loans.


5.Use more services on the WeChat third-party cooperation platformAt present, on the WeChat platform, there are many third-party platforms, such as Didi taxi, Jingdong shopping, 58 home, movie performances, etc. Using them and maintaining good payment and repayment records can help increase the amount of particulate loans.


6.Use microfinance to borrow money and maintain a good repayment record. This is also the most important one.Many of the micro-lens credits have reached more than a hundred and twenty thousand users, not so high in the beginning. Therefore, when you have a loan demand, you can borrow money directly from the micro-loan. After repayment on time, Tencent Credit will raise the amount of your micro-loan based on your loan and repayment. This one is a small series of 360 pro-tests, the amount from the 32000 mentioned 100000.

In addition to the Tencent credit, the micro-credit will also check the individual's central bank credit before opening the quota. If the personal credit is left tainted, it will be quite difficult to get the micro-credit.

Urgent use of money? We have reviewed hundreds of microfinance products! Pay attention to the WeChat public account "fast money" (ID: chuqiankuai), reply to "emergency money", no longer afraid of borrowing money.

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