1, Meituan borrows money, also called "Meituan Small Loan". If you look carefully, you will see a small line at the bottom of the loan page, "The loan funds are provided by Chongqing Sankuai Small Loan and its cooperative financial institutions". The money was collected at the meeting and guaranteed.

2. Operation mode: pure online credit loan, with daily interest rate of 0.05% and annualized rate of 18%, without any other fees.

In the ecological chain of 1 and Meituan's comments, merchants spread all over the country and went deep into the capillaries of the service field. They have different financing needs, but they also have the same demands, such as low interest rate, high quota, high speed and information confidentiality. At the same time, in view of the short, small, frequent and urgent characteristics of small and micro loans, Meituan Small Loan provides customers with a convenient, flexible and fast loan experience through platform data to meet the needs of loan enterprises to the maximum extent.

In this regard, some analysts pointed out that the core of Meituan's small loan model is "treating each other with sincerity". Enterprises and businesses are familiar with each other and support each other, which greatly reduces the cost of information interaction.

Therefore, both risk control and efficiency are higher than traditional loans. In the eyes of the industry, it is difficult for professional financial institutions to provide derivative services and value-added services when providing loan services for small and micro catering enterprises.

2. As a platform, Meituan Review connects the upstream and downstream. With the help of catering ecosystem and big data, it serves both B-end and C-end at the same time, with high efficiency and large coverage, which greatly enhances the added value and additional services of B-end and C-end.

Serving small and micro enterprise loans is not only financing loans, but also improving services to platform merchants from their own systems to support the healthy development of merchants.

3. In the eyes of the industry, from simple lending to helping small and micro enterprises to do business is a great progress in the concept of small and micro financing. This is also difficult for banks with pure lending relationship to do. In the traditional way, banks do not participate in the business of merchants, but are just creditors and debtors, without any emotional color.

However, the relationship between Meituan Review and the merchants in its ecological circle is different. Meituan small loan can be regarded as a two-way win-win channel. On the one hand, for businessmen who borrow money, it will further expand production.