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平安壹賬通成首間運用替代信貸審批模式為中小企提供服務的虛擬銀行
阿思達克 11-04 17:14
平安壹賬通銀行公布,成為全港首間運用替代信貸審批模式為特選貿易中小企提供服務的虛擬銀行,該行指,中小企在傳統銀行開戶及借貸一直遇到困難,銀行審批貸款時需了解企業的財務數據以評核其還款能力,相關數據亦未必能反映實時的企業經營狀況。

該行為特選貿易通中小企提供的貸款產品包括「壹易貸」及「中小企融資擔保計劃」下的「九成信貸擔保產品」。透過替代信貸審批,「壹易貸」貸款審批階段無需提交文件及可做到「五天放款保證」。

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