It's different. Ant borrowing is used for personal Alipay account borrowing. Online business loans are loans applied by enterprises and sellers, which are mutually exclusive.
Extended data
The difference between ant flower buds and online business loans;
1 has different meanings.
Online business loan: it is a pure credit loan for Alibaba member business owners. Borrowers can get loans with lower interest rates than traditional credit loans without providing mortgage or guarantee.
Borrow: It is a consumer credit product owned by Ant Micro. Users with a sesame score of more than 600 can apply for a loan amount ranging from 1000 yuan to 300,000 yuan.
2. The loan amount is different.
Online business loan: there are two ways to borrow money, the express version and the standard version, with a maximum loan of 500,000 yuan. The standard version can borrow up to 2 million yuan.
Borrow: The maximum amount is only 300,000, which is very different.
3. Different in nature
Online merchant bank and Alipay are platforms with different attributes. Online merchant banks and Alipay spend money and borrow money, which are different loans. Online merchant banks issue operating loans, which were originally merged into online merchant banks in taobao guest. Alipay's Huabai loan is a consumer loan. The nature is slightly different, but in the end they are all repaid through Alipay.
4. Different approval methods.
As one of the first five private banks approved by China Banking Regulatory Commission, online merchant bank is based on financial cloud computing platform and has the ability to handle high concurrent financial transactions, massive big data and flexible expansion. We can take advantage of the Internet and big data to provide services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
5, for different groups of people
Online business loan is a personal business loan provided by online banks, which is oriented to merchants and the purpose of the loan is to operate. Online business loans, online business loans, you can know from the name that their loans are lent to online merchants. Ant lending is a consumer loan for consumers, and online business loan is a commercial loan for merchants, also called commercial loan.
6. Different platforms
Online merchant loan is a product launched by online merchant bank, and loan treasure is a product launched by Ant Financial. The shareholder of the online merchant bank is Ant Financial, but the products are very different and the customers are different.
7. Different application conditions
The online merchant loan requires the lender to be between 18 and 65 years old, be the person in charge of an enterprise legal person or individual industrial and commercial household, and have Alibaba members. Borrowing only requires a good personal credit record, high activity in Alipay, and a chance to open the repayment ability. In contrast, lending is more grounded than online business loans.
8. Different loan targets
The scope of online business loans is relatively small, mainly for Alibaba users. Most of them are online shop owners, but there are many borrowers. Basically, all Alipay users can apply. The target group is different, which is the difference between the two.
Is the online merchant loan still available?
Can I use online business loans? There are generally two ways to clarify online loans, one is active repayment and the other is automatic repayment. Take the initiative to repay, the borrower needs to transfer the bills that have been consumed in the current month to Alipay account before the repayment date, and the system will automatically deduct the money. The other is automatic repayment. The borrower can recharge the funds in the Bai Hua account in advance on the repayment date, or repay it manually. If automatic repayment is selected, Huabai bill will be deducted automatically, and a short message will be sent to inform the borrower to repay on time.
Will it be blocked to repay flowers with online merchant loans?
No, online merchant loans and flower buds are both owned by Alipay, but they are relatively independent individuals provided by different gold institutions, so they will not be blocked. Flower Garden is a consumer credit product developed by Ant Financial, and users can enjoy the shopping experience of "spending first and then paying".
What is the relationship between online business loans and loans? Is it the same product?
Since Alipay, its products have attracted much attention, and flowers and borrowings have been applied to all aspects of life. However, many people don't know much about online business loans. Some people confuse it with borrowing money and regard it as a product. So what is the relationship between online business loans and loans? Is it the same product?
What is the relationship between online business loans and loans?
In fact, online business loans and loans should be sisters, but they are not a product. They all belong to the business of online merchant banks, and they all issue loans on Alipay as a platform. Alipay and online banking are two independent products, both of which belong to Ant Financial.
What is the difference between online business loans and loans?
Since online business loans and loans are not the same product, what is the difference between them?
Ants borrow money mainly for consumer loans, Taobao, and buyers account for a large proportion. In addition, the range of users is also wider.
As the name implies, online business loans are commercial loans of merchants, also called commercial loans. Generally, anyone who has opened a Taobao shop or opened a Taobao shop before can apply for an online merchant loan.
In addition, it should be noted that online merchant loans and ant loans cannot exist at the same time. In other words, if you have an ant loan, there is no online business loan, only one.
Here I would like to introduce the relationship between online business loans and loans, as well as the differences between them. You got it? I hope the answer can help everyone!