The POS loan is a product for POS acquiring merchants to provide credit loans based on their running water. According to the different credit granting modes, it can be divided into a single-user general credit model (the borrower applies separately to the bank to obtain the loan business model) and the cluster credit model (the bank approves the overall credit line for the consumer or service cluster market, which is the market A business model in which multiple borrowers provide loans in a unified manner). Compared with traditional loan products, pos machine loans get rid of the way of relying on pledge, and grasp the application user behavior through dynamic information analysis such as user POS settlement amount, which can effectively help small and micro enterprises to flexibly lend and easily finance. The POS machine loan can realize one credit and multiple use, which can effectively help small and micro enterprises to reduce corporate financial expenses.
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