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Eric Jing, CEO of Ant Financial, makes a speech on the 2nd China Fintech Conference Agenda held in Beijing on Sept 17, 2017.[Photo provided to chinadaily.com.cn]

Eric Jing, CEO of Ant Financial, said that more than 7 million small and micro companies have got loans with a value less than 30,000 yuan each on a 310 model. This 310 model means it takes a firm three minutes to apply for a loan and the loan will be granted in one second with zero human intervention.

But the 310 model might mean three-month application, one-month waiting and zero result in Europe, Jing added, citing an unnamed peer in the continent.