微业贷正规吗？ 微众银行依托数字风控，为小微企业融资纾困

Core Viewpoint - The financing needs of small and micro enterprises are increasingly characterized by "short, small, frequent, and urgent" demands, necessitating efficient and convenient financial services to support liquidity and competitiveness [1] Group 1: Product Innovation - WeBank launched the first online unsecured working capital loan product "Weiyedai" in 2017 to effectively meet the financial needs of small and micro enterprises [1] - "Weiyedai" features include no collateral required, no paper documentation needed, flexible borrowing options, and 24/7 online approval, quickly becoming a new financing choice for small enterprises [1] Group 2: Risk Control System - WeBank has established a dual-dimensional digital risk control system that integrates personal credit data of business owners with operational data of enterprises [3] - The pre-loan credit assessment system utilizes credible third-party data from tax, business, credit, judicial, and electricity sources to evaluate the creditworthiness of enterprises [3] - The system includes models for behavior scoring and monitoring during and after the loan process to address issues of information asymmetry and credit assessment difficulties [3] Group 3: Impact and Reach - As of June 2025, "Weiyedai" has reached 30 provinces/regions, with over 6 million enterprise customers applying and a cumulative credit amount of 1.7 trillion yuan [5] - More than 70% of customers have annual revenues below 10 million yuan, and about 50% are first-time borrowers with no prior credit history [5] - The data highlights that "Weiyedai" significantly enhances the accessibility of financing for small and micro enterprises, promoting inclusive finance [5]