Meituan Review, which connects 5 million cooperative merchants, began to set foot in the loan business of small and micro enterprises on 20 17, and launched a loan product tailored for cooperative merchants-Meituan Small Loan. Meituan Small Loan relies on Meituan's comment platform to provide loan services to small and micro customers among the 5 million catering merchants in Meituan's comment ecosystem, and continuously and stably provide low-cost credit funds, mainly in the form of extremely fast loans and operating loans.

According to reports, in the ecological chain commented by the US Mission, merchants spread all over the country and penetrated into the capillaries in 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 greatest 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.

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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. As a platform connecting upstream and downstream, Meituan Review relies on the catering ecosystem and big data.

Serving B-side and C-side at the same time has high efficiency and wide coverage, which greatly enhances the added value and additional services of B-side and C-side. Serving small and micro enterprise loans is not only a financing loan, but also a service for platform merchants from its own system, supporting the healthy development of merchants.

Mu Rongjun, senior vice president of Meituan Review, pointed out, "The core of setting up a small loan is to cooperate with our overall Internet strategy in the second half of the year, and provide convenient and affordable financial empowerment services for small and micro businesses under one million lines in addition to the original services such as word-of-mouth management, marketing promotion, take-away delivery and IT systems."

People's Daily Online-Meituan Small Loan takes root in serving the real economy and makes inclusive finance more warm.