토스 사장님대출Financial Input: 2023/02/20 17:16
Toss Bank announced on the 20th that the proportion of loans to low- and medium-credit borrowers for its non-face-to-face individual business loan product, ‘Toss Bank CEO Loan,’ recorded 49.8% of the total loan balance.
According to Toss Bank, individual business loans total 1.5 trillion won (based on balance). It has been a year since the internet-only bank introduced ‘Toss Bank CEO Loan,’ the first non-face-to-face, unsecured, unsecured credit loan, in February of last year.
In January of this year alone, the total supply amounted to 183 billion won, and among all banks operating individual business loans, 1 out of 4 (25%) was made at Toss Bank.
In particular, 49.8% of all individual business loans were to ‘sound low- and medium-credit borrowers.’ This is thanks to the discovery of low- to mid-credit borrowers with real income and repayment ability through the credit rating model (TSS) developed by Toss Bank.
As a result of embracing self-employed and small business owners who had been excluded from the first financial sector, there was also a notable movement in the second and third financial sectors such as savings banks and capital companies.
A Toss Bank official said, “Customers responded well to individual business loans, with an average of 1,644 loan applications per day.”
He added, “We have been providing practical and timely supplies to small business owners and self-employed people who have been suffering from triple hardships over the past year and needed emergency business funds, and we will continue to work to provide continuous support in the future.”
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