Alibaba Online Virtual Credit Card can provide loans.

① Alipay wallet has added a new small and micro loan function;

② "Small and micro loan" includes order loans, borrowing and repaying at any time (3 months), and borrowing at any time There are four types of loans: casual repayment (6 months) and equal principal (12 months);

③ The daily interest rates of the four types of loans are 0.5%, 0.6%, and 0.00% respectively. 6. Five ten thousandths, the maximum usable periods for a single transaction are 60 days, 3 months, 6 months, and 12 months respectively;

④ Loan users mainly face Taobao sellers, except those who are over 18 years old. In addition to being one year old, Taobao sellers also need to have two months of effective operation, honesty and trustworthiness, etc. After that, the seller can apply for a loan from Alibaba for capital turnover.