Recently, Manager Liu from a technology company in our city used his own computer at home to experience the "small micro quick loan" of China Construction Bank（CCB）and succeeded in obtaining 150,000 yuan loan and immediately getting 100,000 yuan. The whole process only needed a few seconds without any cost.

The author understood that the "small micro quick loan" is the latest financing product launched by the CCB using Internet thinking and big data technology and through carrying out a comprehensive analysis for the financial assets, collateral, credit status, business information and other information of small and micro enterprises and business owners, the maximum financing limit of up to 5 million yuan a year. This innovative product witnessed the CCB to solve the issues of "financing difficulties, financing slow, financing expensive" of small and micro enterprises.

According to the General Manager Tan Xiongli from CCB Chenzhou branch small business unit, the advantages of "small micro quick loan" are mainly embodied in five aspects: First, the thinking is new. It relies on large data resources to carry out online banking self-service credit model to subvert the traditional credit business model; second, the procedures are simple. Customers do not have to provide complex loan application information and all links are handled by the system; third, the loan time is short. The time needed for a small business loan will change from a few days to a few minutes; fourth, the cost is low. In addition to the interest on loans, there is no intermediate charge; fifth, the mechanism is agile. It will continue the loan automatically for the small micro enterprises with good performance in loan, repayment, settlement, credit and other aspects.

Since the launch on June 10, more than 500 small and micro enterprises in whole city have handled the loan business, the accumulated loans amounting to 70 million yuan. At present, the loan customers and loan balance of "small micro quick loan" in the CCB Chenzhou branch rank first in the province.