Do citizens need an electronic account for e-loan?

Citizen e-loan does not need an electronic account. Citizen e-loan business has many advantages, such as the whole bank, small amount, short process, easy operation and wide coverage. In terms of market positioning and loan application process, it is completely different from the traditional personal loan products of banks, which is more in line with the characteristics of "demand scene, small loan, high-frequency credit use, all-weather service and universal customer base" presented by the current customer financial service demand. It is a mature online risk control model used by banks, which fully makes up for the shortcomings of traditional credit business.

The launch of the bank's "citizen e-loan" will meet the financing needs of more customers. Online self-management, second application and second batch can be borrowed and repaid at the lowest cost to obtain the maximum efficiency of capital use.

Three highlights of "citizen e-loan":

Online application, simple operation.

Customers can search for "financing e-loan" in WeChat applet or scan and log in through Yantai Bank WeChat official account and QR code to enter the registration page, and enter the mobile phone number and verification code to easily complete the registration.

Online credit granting and secondary approval

The customer completes the necessary operations such as filling in the necessary credit information, OCR identification of ID card, face recognition, etc. on the Internet, and immediately initiates the online application for credit line. Tobacco Bank has built-in risk control, completed the second-level examination and approval, and fed back the credit line in real time.

Online borrowing and lending

The customer initiates an online withdrawal application, binds the bank card as the collection/repayment account, sets the withdrawal password, and receives the loan provided by Yantai Bank. "Citizen e-loan" supports customers to inquire about the repayment plan, and supports the repayment with the loan.