Online merchant banks are not Alipay's, but they are all Ant Financial. Alipay is a third-party payment platform, and online merchant bank is an internet bank. Then there is Alipay, the predecessor of Ant Financial. Through financing restructuring, acquisition and restructuring, Alipay has become a product of Ant Financial. 20 14 10, Ant Financial was formally established.
The full name of the online merchant bank is Zhejiang Online Merchant Bank Co., Ltd., and its registered place is located at Floor 65438, Delixi Building, No.28-38 Xueyuan Road, Xihu District, Hangzhou City, Zhejiang Province 15- 17. It is one of the first pilot private banks in China, and its business scope includes absorbing public deposits, issuing short-term, medium-term and long-term loans, and issuing financial bonds.
Alipay is affiliated to Alipay (China) Network Technology Co., Ltd., with its registered address at No.447 Nanquan North Road 15, China (Shanghai) Pilot Free Trade Zone, and its business scope includes Internet payment, mobile phone payment, bank card receipt, prepaid card issuance and acceptance (online real-name payment account recharge only), etc.
Ant Financial is a subsidiary of Ant Technology Group Co., Ltd., which was established in June 65438+1October 65438+September 2000. Its registered place is located in Room 802, Building 5, Xixi New Building, Xihu District, Hangzhou, and its business scope is corporate headquarters management. Holding company services; Engage in investment activities with its own funds; The second kind of value-added telecommunications services, etc. , formerly known as Zhejiang Ant Microfinance Services Group Co., Ltd..
Version information: Take Alipay 10.2.60 version, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
What is the relationship between Zhejiang online merchant bank and Alipay?
Zhejiang Online Commercial Bank is a commercial bank approved by China Banking Regulatory Commission and has a banking license. Alipay is a third-party payment institution. Alipay and online merchant bank belong to different legal persons, both of which are companies under the Ant Group, and both of which are funded by the Ant Group.
Zhejiang Online Commercial Bank (MYBank) is the first bank in China to build its core system on the financial cloud, and it is also one of the first private banks in China. Founded on 20 15, and headquartered in Hangzhou, Zhejiang Province.
Does the online merchant bank belong to Alipay?
The online merchant bank does not belong to Alipay. Strictly speaking, Alipay and online merchant bank belong to Ant Financial, in which online merchant bank is an internet bank and Alipay is a third-party payment software. Online merchants have no physical outlets, and users need to run business through the network. Therefore, the online merchant bank is an independent bank and operates independently with Alipay.
Alipay will have financial services provided by online merchant banks such as online merchant loans, because they are cooperative.
The relationship between online merchant bank and Alipay
Zhejiang Online Commercial Bank is a commercial bank approved by China Banking Regulatory Commission and has a banking license. Alipay is a third-party payment institution.
Alipay and online merchant bank belong to different legal persons, both of which are subsidiaries of Ant Group, and both of which are funded by Ant Group.
Zhejiang E-commerce Bank Co., Ltd. officially opened on June 25th, 20 15, and is one of the first private banks approved by China Banking Regulatory Commission. The online merchant bank is also the first technology bank to build its core system on the financial cloud without offline outlets.
Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and take advantage of the Internet and data technology. As a bank that focuses on providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant bank is "meticulous".
On June 1 20265438, the financial report released by the online merchant bank showed that by the end of the first quarter of 200212022, its total assets were 290.022 billion yuan, a decrease of 2123.4 million yuan compared with 3125.6 million yuan at the end of 2020.
Alipay is a third-party payment platform. Originally a department of Taobao, a website of Alibaba Group, it officially operated independently on June 5438+February 8, 2004. It is a subsidiary of Ant Financial, which is independent of Alibaba Group.
Alipay has two independent brands, Alipay and Alipay Wallet. The software mainly provides payment and financial services (including online shopping secured transactions, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and other fields). In May of 20021,the digital RMB wallet was expanded again, and online merchant bank (Alipay) became the seventh commercial bank to participate in the public beta pilot.
Alipay is a third-party payment platform, which was launched in June 2003 at 5438+ 10 and June 2003 at 5438+May. Originally a department of Taobao, a website of Alibaba Group, it officially operated independently on February 8, 2004. Now it is a subsidiary of Ant Financial, which is independent of Alibaba Group. Alipay has developed from a single payment tool to an open platform that provides payment, living services, government services, social interaction, wealth management, insurance, public welfare and other scenarios and gradually covers the whole industry.
In addition to providing convenient basic functions such as payment, transfer and collection. , but also quickly complete credit card repayment, phone charges, water, electricity and coal charges. Through the intelligent voice robot, you can reach hundreds of life services in one step. You can not only enjoy consumption discounts, interact with friends, but also manage money easily and accumulate credit.