新京报讯 （记者苏曼丽）光大银行(601818,股吧)昨天宣布正式推出“易快发”小微采购卡业务。据介绍，该业务当日审批、1天内完成支付、无抵押贷款单户授信高达200万，

The Beijing news- （Reporter SuManLi）Everbright bank(601818,Shares it)Yesterday announced officially launched“Easy to send”Small micro purchasing card business。According to introducing，The business that day for examination and approval、1 days to complete payment、Unsecured loans single household credit as high as 2 million，

　　由于资产不足，小微企业很难通过传统的抵押、担保等融资方式获得资金，向传统银行融资则需面临成本高、服务少、手续繁、审批难等问题。“易快发”小微采购卡则采取担保、缴纳保证金的形式（比例从0-30%不等），小企业仅需提供身份证和申请表，即可办理业务。

Due to insufficient assets，Small micro enterprise is hard to through traditional mortgage、Guarantee the financing way such as access to funds，To traditional bank financing will need to face high cost、Services less、Formalities numerous、The difficulty for examination and approval。“Easy to send”Small micro purchase card is taken guarantee、Pay deposits of the form（Scale ranging from 0-30%），Small businesses provide id card only and application form，Can deal with business。

　　审批通过后，由银行直接向上游企业定向支付货款，下游企业也可以选择1至24期等期数分期向银行偿还贷款。

After examination and approval by，By the bank directly to the upstream enterprise directional the payment，The downstream enterprises can also choose 1 to 24 time periods stage to the bank to repay the loan。