Online merchant loan is a loan product recommended by the Postal Savings Bank and other banks to high-quality merchants with the help of Alipay platform, and it is an operating loan product launched by online merchant banks.
Online merchant loan is a credit loan product launched by online merchant bank. Users do not need to provide any mortgage or guarantee to apply for online business loans, which belong to pure credit loans. As long as users' credit and qualifications meet the requirements, they can apply for loans.
Online merchant loan is an operating loan product launched by online merchant banks. Cooperative financial institutions include Guilin Bank, Guangzhou Bank, Huaneng Trust, Huarong Xiangjiang Bank, Guangfa Bank, Beijing Bank, Quanzhou Bank, Shanghai Bank, Huaxia Bank, Zhongyuan Bank, Chongqing Fumin Bank, Suzhou Bank, Guiyang Bank, Jincheng Bank, Jining Bank, Sanxiang Bank, Guangdong Huaxing Bank, Chongqing Bank and bank of tianjin.
Online business loan is a pure credit personal business loan in Ali system (that is to say, it is necessary for Taobao shopkeepers). Unsecured and unsecured, the interest rate is much lower than that of similar products in the market. It can solve the capital problem quickly and develop the market stably. In fact, the definition of online business loans, like previous loans, are all Alipay financial loan products.
The difference between online merchant loans and Alipay loans is mainly in the following three aspects:
First, the clients are different:
Online business loans are business loans, mainly for small and micro enterprises and individual entrepreneurs, and the borrowers of online business loans are usually shopkeepers of major online stores, namely Taobao and Tmall merchants. Lending Bao is a consumer loan product, and the user group is Alipay individual users.
But only qualified users are eligible to apply for online business loans and loans. Whether online business loans and loans can be opened depends on the comprehensive evaluation and audit of the system, which is subject to the display on your page.
Second, the application conditions are different:
To apply for online business loans, borrowers need to be small and micro business owners or individual entrepreneurs. According to the feedback from the users who have applied, it is required to be an enterprise legal person or an individual business owner, aged between 18-65. The specific application conditions are subject to the online merchant loan page.
The application conditions for borrowing money are relatively simple. Alipay account has completed real-name authentication. I am a mainland user, age 18. If my account status is normal and my mainland mobile phone number is bound to my bank savings card, I will have the opportunity to open a loan treasure. The system will judge whether to apply for and open a loan according to the personal comprehensive situation of Alipay users.
Third, the maximum loan amount is different:
The Alipay page shows that the current maximum loan amount of online merchant loans is 6.5438+0 million yuan, and the maximum credit amount currently supported by loans is not clearly given, but as a consumer loan product, the maximum loan amount will definitely be much lower than that of online merchant loans.
Of course, whether it is an online business loan or a loan, your specific quota is determined by the system according to your comprehensive situation. Your quota is not fixed, and the system may adjust it from time to time, so manual intervention is impossible.
There are different groups of people who borrow online business loans and services. You can choose the product that suits you according to your actual situation. In addition to online business loans and loans, there are many other formal and reliable loan products on the market, such as small financial money, micro-loans from Weizhong Bank and micro-loans from Weizhong Bank.