Is Weizhong Financial Management of Luoyang Bank safe?

1. Is Luoyang Bank’s WeBank financial management safe?

WeBank was initiated and established by Tencent and well-known private enterprises such as Baiyeyuan and Liye Group. It was approved by the regulatory agency in December 2014. Opened Internet bank.

It has passed the approval of the China Banking Regulatory Commission and has a banking license.

Secondly, WeBank has facial recognition technology. This function can confirm that it is you who binds the card to ensure the safety of funds. Therefore, it shows that WeBank attaches great importance to user security. In WeBank .

But from another aspect, as long as it is a financial management product, it has certain risks. It is impossible to have a financial management product without risks. Generally, risks and returns are often directly proportional. Therefore, you When you invest money to buy financial management, you invest it yourself, which does not necessarily guarantee that you will not lose money. However, WeBank will use big data to conduct risk control management and minimize risks, which is trustworthy.

WeBank was officially opened in 2014 and is the first Internet bank in China. WeBank focuses on providing more high-quality and convenient financial services to small and micro enterprises and the general public, using new models and new methods of the real economy of the financial sector, and insisting on strict compliance with national financial laws, regulations and supervision and steady development. Committed to providing differentiated, distinctive, high-quality and convenient financial services to the general public and small and medium-sized enterprises.

WeBank has successively launched Weilidai, Weiyedai, Weikedai, WeBank App, WeBank Enterprise Aipu App, Xiaoehuahua, We2000 and other products to serve individual customers It has exceeded 250 million people and has more than 1.7 million corporate customers.

WeBank has carried out technical research on the research and application of underlying algorithms of key core technologies such as big data and cloud computing, and in 2017 became the first domestic company to obtain national high-tech enterprise qualifications

< p>WeBank has ranked among the top 100 banks in China. WeBank has been awarded "A3" and "Forrester," an internationally renowned independent research company, defines WeBank as "the world's leading digital bank"

Main Products< /p>

WeBank has successively launched Weilidai, Weiyedai, Weikedai, WeBank App, WeBank Enterprise Aipu App, Xiaoehuahuai, We2000[9], etc.

Weilidai

Weizhong Bank’s fully online, pure credit, anytime borrowing and use microfinance product “Weilidai” ”, a total of 460 million loans have been issued to more than 28 million customers in nearly 600 cities in 31 provinces, municipalities, and autonomous regions across the country, with a cumulative loan amount of more than 3.7 trillion yuan. About 77% of “Weilidai” credit customers are engaged in non-white-collar jobs In the service industry, about 80% have a college degree or below; the average loan amount is about 8,000 yuan, and the interest on more than 70% of the paid loans is less than 100 yuan.

Weiye Loan

< p> WeBank launches China’s first online unsecured corporate working capital loan product - Weiye Dai [34-35]. More than 70% of Weiye Dai’s customers are in the manufacturing, wholesale and retail industries, and high-tech industries. , more than 60% of enterprises have obtained corporate loans from banks for the first time. Micro-industry loan has served more than 1.7 million small and micro enterprise customers, and has issued a total of nearly 400 billion yuan in loans, indirectly supporting the employment of nearly 4 million people.

2020. In October 2020, WeBank further upgraded its corporate financial service brand to "WeBank" on the basis of Weiye Dai to serve the financial and non-financial needs of small and micro enterprises and create a full-link business service ecosystem

2. Is it safe to use WeBank for deposits?

WeBank’s bank deposits, like those of other banks, are in principle safe. Deposit funds can be said to be risk-free.

Because bank deposits in our country are protected by deposit regulations: Article 5 of the Deposit Insurance Regulations-4102-deposit insurance implements limited reimbursement, and the maximum reimbursement limit is RMB 500,000. Yuan. This means that even if WeBank fails, deposits of 500,000 yuan and below will be fully compensated.

In addition, WeBank and other banks are required to pay deposit reserves. The purpose of the special deposit reserve is to ensure that commercial banks have sufficient solvency when encountering a sudden large withdrawal of bank deposits, and to protect the interests of depositors.

3. Are WeBank’s deposits safe? Are there any risks?

WeBank is the first private bank and Internet bank in China. It was initiated and established by Tencent and well-known private enterprises such as Baiyeyuan and Liye Group, with a registered capital of 3 billion yuan. On July 25, 2014, it received approval from the China Banking Regulatory Commission and was approved by the regulatory agency to open in December.

Bank deposits in WeBank are as safe as bank deposits in joint-stock banks such as China Merchants Bank and Bank of China. Deposit funds below 500,000 yuan can be said to be risk-free.

Because bank deposits in our country are protected by deposit regulations: Article 5 of the Deposit Insurance Regulations - Deposit insurance implements limited reimbursement, and the maximum reimbursement limit is RMB 500,000. This means that even if WeBank collapses, deposits of 500,000 yuan and below will still be fully compensated.

In addition, both WeBank and joint-stock banks are required to pay deposit reserves. The purpose of implementing deposit reserves is to ensure that commercial banks have sufficient solvency in the event of sudden large withdrawals of bank deposits and to protect the interests of depositors.

4. Is it safe for Weizhong to pledge deposits?

Safe,

WeBank was initiated and established by Tencent and well-known private companies such as Baiyeyuan and Liye Group. It is headquartered in Shenzhen and was approved by the regulatory agency to open in December 2014. It is the first private bank and Internet bank in China. WeBank has successively launched Weilidai, Weiyedai, Weikedai, WeBank App, WeBank Enterprise Aipu App, Xiaoehuahua, We2000 and other products. Currently, WeBank has become one of the top 100 banks in China.