平安壹账通成首间运用替代信贷审批模式为中小企提供服务的虚拟银行
平安壹账通银行公布,成为全港首间运用替代信贷审批模式为特选贸易中小企提供服务的虚拟银行,该行指,中小企在传统银行开户及借贷一直遇到困难,银行审批贷款时需了解企业的财务数据以评核其还款能力,相关数据亦未必能反映实时的企业经营状况。
该行为特选贸易通中小企提供的贷款产品包括「壹易贷」及「中小企融资担保计划」下的「九成信贷担保产品」。透过替代信贷审批,「壹易贷」贷款审批阶段无需提交文件及可做到「五天放款保证」。
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