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加速贷款审批 英国NatWest银行推出小企业贷款专用APP

传统金融的互联网化国际资讯

加速贷款审批 英国NatWest银行推出小企业贷款专用APP

为了更好地与中小企业替代金融平台抗衡,英国NatWest银行与上周四推出了一款全新的在线平台。

传统的小企业贷款申请流程通常长达21天,而NatWest希望通过这一新平台缩短贷款申请人的等待时间。目前,NatWest已经提前对50多万家英国中小企业进行了初步审核,预计这些企业今年夏天即可通过这个新平台申请贷款。

作为对现有实体分行和电话银行的补充,NatWest表示预计会向该平台分流约50亿美元的贷款份额。申请人不仅立即可以了解自己的贷款额度,而且拿到贷款可能仅仅需要两天左右的时间。

美联储上月发布的一项调查显示,相比于在线替代金融机构,中小企业更倾向于向银行申请贷款,因为后者的服务体验反而更加。而在英国,近年来业涌现了不少新兴银行机构,这无疑对传统的中小企业借贷机构形成了挑战,也对消费者服务水平提出了更高的要求。

NatWest is looking to position itself in competition with the speedy alternative SME lenders through a new platform that will give small business borrowers a decision on their loan application in three minutes.

The bank said Thursday (April 20) that it is launching the online platform to cut down the time it takes for SMEs to see a loan decision, traditionally taking 21 days, said NatWest. The bank has pre-assessed half a million SMEs, it explained, that can access the online platform this summer and seek financing.

NatWest has more than $5 billion allocated to finance SMEs through this platform, it said.

The platform will provide small businesses with an instant view of how much they can borrow, and they can see those funds within two days of approval.

“We want businesses to know we are open for lending, so rather than waiting for them to come to us, we will proactively show them how much they could borrow when they log in to their online banking,” explained Marcelino Castrillo, managing director of business and private banking at NatWest.

The platform will supplement existing SME lending operations that can be accessed in physical branches and over the phone, the bank added.

A survey released this month in the U.S. by the Federal Reserve found that SMEs actually prefer to work with their banks over alternative lenders when seeking financing because they have a more positive experience overall. In the U.K., the banking market has seen a recent influx of challenger banks, many of which are positioned to compete with traditional SME lenders and doing so with a focus on the customer experience.


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