The amount of online merchant bank loans ranges from 30,000 to 6,543,800 yuan. According to the different collection and operation status of each applicant in Alipay, the credit line granted by the online merchant bank is also different. The higher the average applicant's monthly business flow, the more times he uses Alipay to collect money, and the higher his rating in the risk control system of the online merchant bank, so he can apply for a large credit loan.

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