This is official. Alipay online business loan is an online loan approved by China Banking Regulatory Commission. Online merchant loans are different from loan banks, which have low interest rates, but require high professional qualification certificates and guarantees for borrowers, so it is generally difficult to lend money. The interest rate of online business loans is also high, and the professional qualification certificates and requirements for borrowers are relatively loose, such as good credit information, whether to open online stores, etc. Online business loans are mainly aimed at people who open online stores on Taobao, and loans are relatively easy. Online commercial loans are personal commercial loans provided by small and micro enterprises and individuals. Internet Bank was founded by Ant Financial as the controlling shareholder. Online merchant loans do not recognize deferred repayment. After the borrower handles the loan, the loan contract has been made clear, including the loan amount, loan interest rate, repayment method and time limit. It is useless to discuss deferred repayment with customer service. Delayed repayment will affect the borrower's personal credit information, which will make it difficult to handle the loan. At the same time, if the debt is not resolved, the penalty interest pressure will always exist, which will further increase the financial pressure of borrowers.