What does digital currency White List mean?

The white list here is a list that can use digital RMB. Users on this list can use digital RMB, but users who are not on this list can't.

The bank white list generally has two meanings. One is a person who has no credit record and has completely blank credit information. This kind of person also has a scientific name "Bai Hu".

White letter users are those who never borrow money and have no credit cards, and seem to be well-behaved and safe. This kind of person seems to have no problem, but when they need money badly and need a loan, they will get into trouble.

Because banks or other financial institutions can't find this person's credit record, they can't judge his credit quality and worry about the risk of lending funds. For the sake of insurance, they generally choose to refuse loans.

Another meaning of white list refers to high-quality customers who meet certain conditions, so that such customers will enjoy more preferential treatment than ordinary customers.

When a general bank launches a new product or any activity, it will invite white-listed customers to experience it first.

White list of banks:

In fact, more refers to the second meaning:

If you become a whitelist user of xx Bank, it means that your qualifications are very good and you belong to the bank's quality customers. Who may become a whitelist user?

1. Iron rice bowl man

Most banks attach great importance to the occupation of borrowers, because different occupations will have great differences in income and stability.

Generally speaking, customers who can enter the white list of banks are civil servants, teachers, career establishment and other employees with high stability. Although their income is not high, their safety factor is high, and the risks that banks have to bear are small.

2. Well-known enterprises

If it is not a public institution, then state-owned enterprises and Fortune 500 enterprises are also favored by banks, because such enterprises have strong strength, strong financial resources and relatively high employee income;

The corresponding repayment ability will be higher, so it will be easier for banks to get loans from such people.

3. Management personnel

If you are the person in charge of a unit or a middle or senior manager, the loan is much easier and the amount is much higher.

Because, first of all, the salary level of the company's management can be guaranteed, and the bank at least does not have to worry about your repayment ability.

4. Customers with business contacts

If you are a customer of bank mortgage, provident fund loan, paying wages and holding financial assets, you may also be included in the bank's white list.

Many bank credit products, in the column of application conditions, will directly require to be white-listed customers or invited customers.

To put it bluntly, the white list is qualified customers and invited customers.

The advantage of the white list is that when applying for credit cards and mortgages, it will be easier to pass than ordinary customers. In addition, white list customers often have the priority to experience and use new businesses launched by banks.