The frame work of personal finance growth begins to change due to maturity of personal loan market, decrease of maximum lending rate, and participation of companies in other fields. The old business methods, such as opening large scale shops covering a vast area and hiring large number of employees, are difficult to respond to the harsh business environment. We "UNIBANX" offer convenience to consumers and also create a new business model, trying to establish an original position in he personal loan world. This is what we called e-net loan by using IT. Network like internet has great possibilities as a delivery channel of financial products and financial services. Our aim is to have no physical shops, to operate by minimum number of people via network, and to realize high quality personal loan business. To promote e-net loan, we get the list of target customers down, and exercise good loan which has minimum loss. Also, the details of customersÕ information will be well collected through our own method, and build high management system to control default risk. There is no future for personal loan without technology and marketing. E-net loan offered by "UNIBANX" is the one which is supported by consumers and exhibits the new financial business style. This is the project for future. Copyright (C) 2001 UNIBANX Co. Limited. All Rights Reserved.