传统金融机构向中小微企业贷款时

人人行科技股份有限公司宣布，借贷宝企业版正式上线，针对中小微企业向传统金融机构贷款审核流程长、抵质押物不足等难题，提供快捷、灵活的解决方案。

When a company has financing needs, it can initiate financing through the Enterprise version of the Lending Treasure, set the loan amount, term, and interest rate, and choose to release them to senior executives, middle management, or all employees. At the same time, the actual controller of the company can complete one click distribution after confirming joint and several guarantee responsibilities in their personal version. On the personal client of employees, they can see the targets published by the company in real time, and by selecting the investment amount to submit, all steps can be completed.

Renren XingCEOWang Lu introduced that the core of the Lengbao Enterprise Edition is still the concept of "self risk control", which means investing in "familiar" objects.

When traditional financial institutions provide loans to small and medium-sized enterprises, they are mainly affected by factors such as lack of understanding of the enterprise due to information asymmetry, high post loan management costs, and weak risk resistance of small and medium-sized enterprises.

In the Enterprise version of Jiedao Bao, companies initiate loans from employees based on employment relationships. Due to the simple organizational structure of small and medium-sized enterprises, employees have a more accurate understanding of the company's situation through communication on the company's operating status, the creditworthiness and moral character of the business owner, and other aspects;After a successful loan, employees are concerned about the use of the company's operating funds, and the company has a higher constraint on the true use of funds, which is equivalent to employees replacing traditional credit personnel to play a role in post loan management;In addition, in judicial practice, employee salaries and

Mobile Loan Treasure

Priority should be given to repayment, and binding employees with the company can also achieve two-way incentives, enhancing the company's ability to resist risks.

Compared to private lending, the Enterprise Edition of Jiedao Bao can enable companies to quickly obtain financing from employees, and the financing cost is generally lower than that of private lendingP2PWait for other channels;Compared to bank loans, the term is flexible and more convenient and efficient. Employees can anonymously lend funds to the company, independently assess the investment value, and enjoy the higher returns provided by the company.