Interview with Weizhong Bank Yuan Weijia: Divide to do more sinking science and technology financial services

For a period of time, due to the characteristics of "light assets and heavy technology", it is difficult to financing and expensive financing for science and technology enterprises. In recent years, in order to support the development of science and technology enterprises, many measures have been introduced at the policy level to guide funds to science and technology enterprises.
In this context, financial institutions have acted. As the first Internet bank in China, Weizhong Bank does not hesitate. But unlike traditional banks, Weizhong Bank adheres to the basic concept of serving small and micro enterprises, focuses on the sinking small and medium -sized science and technology entrepreneurship groups, and is committed to providing them with financial services for a full life cycle.
In less than two years, Weizhong Bank has achieved bright results in service science and technology, small and medium -sized enterprises. Data show that WeChat loan science and technology loans have currently carried out business in 21 provinces and more than 100 prefecture -level cities across the country, attracting nearly 150,000 science and technology enterprises to apply, with a cumulative credit of 100.5 billion yuan, of which 18,000 are in Shenzhen The service coverage in national high -tech enterprises reached 35%.
In starting from a small micro, aiming at the track of science and technology enterprises
"So, in fact, we can start with the general small and micro business, and then select science and technology innovation enterprises from the small micro customer group. It is also where Weizhong Bank is different from the service of traditional commercial banks. "Yuan Weijia said.
, on the one hand, science and technology enterprises themselves have realistic demand for funds. Due to the lack of mortgagers such as fixed assets, some small and medium -sized and micro -science innovation enterprises are facing more severe financing difficulties and expensive financing. In recent years, the state has introduced a series of policies to encourage financial institutions to support scientific and technological innovation, but small and medium -sized and micro -science -based entrepreneurial groups have not been well covered.
Yuan Weijia emphasized that as an Internet bank, Weizhong Bank is responsible and obliged to serve such customer groups to support the vigorous development of domestic scientific and technological innovation. "In addition, we are a technology -based bank, and we may know a little more about technology companies, and the service is more" handy '. "
, in the early days of the development of science and technology finance business, Weizhong Bank also encountered After the problem, especially in terms of customer acquisition. Different from the way traditional banks rely on the team of offline customer managers to expand customers, Weizhong Bank obtains customers through pure online channels. How to let customers understand products and form trust is a big challenge.
Yuan Weijia introduced that for this, Weizhong Bank Microcharm Loan specially established a leading B -end digital Internet marketing system, including electricity sales, advertising, etc., using data, models and AI technologies to continuously optimize marketing marketing system. "This system supports the business development of our corporate finance, and has continued to evolve with the process of diversified business. From small and micro enterprises in various industries of micro -industry loan services, to in -depth supply chain upstream and downstream We are constantly looking for segmentation through technology. "
Especially since this year, Weizhong Bank has launched many innovations in brand marketing. For example, the story of shooting science and technology entrepreneurs entrepreneurship, "is to tell what the company does and what the entrepreneur looks like. Through this kind of storytelling, it can not only publicize the company and entrepreneur spirit, but also for bank products. Diversion brings a lot of better traffic. "Yuan Weijia analyzed.
Relying on fintech to create an online service process
For banks, customer acquisition is only the first step. The more important thing is to serve customers and retain customers. The "weapon". Yuan Weijia said that compared with traditional banks, the biggest advantage of Weizhong Bank Service Science and Technology Capital is online, which is intuitive in credit products. rn 据介绍，微众银行服务中小型科创企业的贷款产品来自于微业贷的科创贷款，因此，该产品继承了微业贷的优秀基因，即“三无、三全、 Three fast.
The so -called "three no" refers to "no mortgage guarantee, no offline account opening, no need to provide paper information", all information can be automatically obtained by the system background after authorization, including the enterprise's tax information, operation of the operation, operation of the business Information, etc., will be automatically reviewed and evaluated by the system, basically no manual intervention is required; The ultimate experience of "approval, fast borrowing, fast borrowing, and fast".
"From the customer submitted a loan application to obtain the loan, the entire process does not require manual intervention. Pure online. If it is fast, the customer can complete the entire operation within one minute." Yuan Weijia took an example, and the customer also You do not need to provide any paper materials, you can complete your identity authentication, and authorize some third parties such as taxation and other materials at the same time.
While enjoying the process of micro -industry loans, the science and technology loan of Weizhong Bank also connected with the government's discount policy. For applicants, this will greatly reduce the cost of the feet. Enterprises do not have to run around to apply, and can operate directly in related products. After discounting, some minimum interest rates can be reduced to 1.7%, which is very favorable.
The rely on the above characteristics, Weizhong Bank's science and technology loan is favored by enterprises. It is worth mentioning that many of the science and technology customers served by the bank are the first loan households, that is, never obtained other bank loans. Yuan Weijia said, "This means that when other banks cannot provide loans to these companies, we are willing to make the first" crab -eating "bank." Furthermore, it is based on strong data processing capabilities. For example, in response to the characteristics of science and technology enterprises, the cooperation of micro -public banks and government agencies will apply data assets set by government departments, such as talent information, intellectual property rights, and transaction data. Evaluate the development potential of enterprises.
is worth mentioning that in order to further improve the patent utilization of science and technology enterprise, Yuan Weijia introduced that Weizhong Bank is trying to process patent data. At present, the bank has introduced more than 40 million patent -related data, not only structured fields, but also a large number of non -compatible information collected in documents such as patent records, patent manuals, and patent claims. These data can build corresponding rules by using technology to evaluate the effectiveness, quality and value of enterprise technology.
The innovative service model, "loan investment" makes financing more efficient
is not afraid of deep alleys. Today, Weizhong Bank Microex Loan Science and Technology Loan is benefiting more companies. In order to provide customers with a full life cycle service and accompanying customers to grow, Weizhong Bank took another step forward and began to explore the innovative service model of digital "loan investment".
Yuan Weijia said, "In fact, the demand for science and technology innovation -oriented enterprises, major banks are doing it, which can be said to be a natural extension of bank financial services." At present, the banking industry is mainly through two types of two types through two types The method is carried out. One is to jointly carry out business with its subsidiaries with investment functions; the other is directly established by banks and non -based institutions, with investment function entities linkages to carry out business, such as cooperation with external venture capital institutions.
"After observing various modes, we found that several modes are very non -targeted. After all, the valuation of each enterprise and the pricing of the options for shares are difficult to achieve standardization. And this is not our strength. "Yuan Weijia said, so Weizhong Bank has been exploring the digital" loan investment "model that can play its own advantages.
In multiple considerations, Weizhong Bank decided to do the bridge between "loan" and "investment", that is, relying on its own data processing capabilities to create a more accurate and objective science and technology enterprise evaluation system, and providing credit quota support At the same time, provide value evaluation support for investment institutions, so as to further connect both parties to investment and loans, make investment more scientific, and make financing more efficient.
Yuan Weijia introduced that for a long time, there has been a problem of asymmetric information between enterprises and projects and investors. Provide valuable judgment basis for "trust".
It is reported that this model is currently testing the small and medium -sized scope of Shenzhen science and technology enterprises and some investment institutions. It is expected to be officially launched in 2022, which will undoubtedly connect more enterprises and financial institutions.
It can be seen that relying on its own financial technology advantages, deep understanding of the financial needs of science and technology enterprises, and rich service experience accumulated in the past, Weizhong Bank is opening up an innovation for science and technology innovation enterprises and investment institutions and investment institutions Digital, intelligent investment financing experience.