Meituan's small loans mainly include ultra-fast loans and operating loans. Among them, the maximum loan amount of ultra-fast loan is 6,543.8+0.5 million yuan, and the loan is received in the fastest 2 hours, and the maximum loan amount of operating loan is 6,543.8+0.5 million yuan. There is no other handling fee for the two products except the normal interest. Except for the overdue fine, customers can repay in advance without any handling fee.
Product advantage
The advantage of Meituan Small Loan in risk control is that Meituan Review has accumulated many years of industry data in the catering industry. Combined with artificial intelligence technology, it can effectively solve the problem of information asymmetry between borrowers and lenders, and shorten the review time of customer loan information while strengthening risk control. Meituan Small Loan uses the new technologies of OCR recognition and face recognition provided by Meituan Cloud to help users complete loan applications.
The overall service efficiency of Meituan Small Loan has been greatly improved. After the customer uploads the ID card, the system can automatically identify the identity information, and the identification accuracy rate is over 97%. There is basically no need to do related input operations. Then face recognition technology is used to guide the user to blink and other actions to confirm the living body, and then real-time comparison and judgment are made with the ID card photos.