The difference between online merchant bank tax loan and Weizhong bank lies in the main target groups, the main business contents, the team and the relationship with traditional banks.

1. The main target groups are different: online merchant bank: the online merchant bank is determined to be a bank serving small enterprises, and its main loan does not exceed 5 million yuan. At the same time, it can also be explained that small and micro enterprises, individual consumers and rural users are the target customer groups of online merchant banks. Weizhong Bank: Weizhong Bank is mainly positioned to provide users with personal consumption financial services such as shopping and travel. At the same time, Weizhong Bank does not have a PC-side business website, but pays more attention to the mobile side.

2. Differences in main business contents: online merchant bank: the current account is divided into true current account and Yu Libao, with the real current account annualized by .42% and Yu Libao annualized by about 2%, which is a cargo base of Tianhong Fund and different from Yu 'ebao. Weizhong Bank: The current account is a multi-win monetary fund of Guojin, with an annualized rate of about 3%. It is specially built by Guojin Fund for Weizhong Bank, and the current balance can be transferred out in real time, with a daily limit of 3 million. The current balance can also be used to invest in other products in Weizhong Bank.

3. Team comparison: Online merchant bank: According to media reports, 2/3 employees are data modelers. Weizhong Bank: According to media reports, 4% of employees come from Tencent's Internet product developers.

4. Relationship with traditional banks: online merchant bank: self-operated and platform mode, with one end connected with the capital needs of small and micro enterprises and the other end with a series of traditional banks, and has negotiated cooperation with insurance, trust and other institutions. Weizhong Bank: It has started inter-bank cooperation with traditional banks, signed cooperation agreements with Huaxia Bank and other banks, and carried out a number of cooperation, including inter-bank credit granting, * * * issuing micro-loans together, issuing credit cards jointly, and selling wealth management products on behalf of others.