中銀香港(02388.HK)推新貸款計劃 中小企可引電子交易數據供審批
中銀香港(02388.HK)推出「中銀收單商戶貸款計劃」,利用BoC Bill電子交易數據為中小企進行貸款審批。
新計劃適用於使用BoC Bill收單服務的中小企客戶,覆蓋零售及餐飲等行業,該行在獲得客戶同意後,將以BoC Bill電子交易數據作審批其貸款申請之用,客戶無需提供財務報表或貸款抵押品,也可以特惠利率申請透支或分期貸款,貸款額最高為400萬元;以中銀香港賬戶作為主要營運戶口的客戶毋須提供銀行月結單。
中銀香港工商金融部副總經理莊芳毅表示,今年首季的中小企線上貸款申請宗數較去年同期增長近60%,該行新推的「中銀收單商戶貸款計劃」,整個貸款申請程序較傳統申請減少最多一半時間,同時節省客戶整理申請文件的成本。
在金管局推出的商業數據通項目第二階段概念驗證中,中銀香港成為首家本地銀行以全流程使用商業數據為中小企完成貸款審批,該行將與更多數據供應商合作,為中小企提供更多元化的數碼融資方案。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!
![](/hk/assets/image/code.84ab0b.png)
Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.