Customers can choose to deposit enough assets in Alipay balance baby account or account balance account, automatically deduct the fees, and actively repay the loan in advance after Taobao confirms the receipt. Once the customer fails to repay the loan on time, it belongs to loans overdue. At that time, the statement of Sunshine Insurance Bank will be repaid, and the repayment of commercial insurance will definitely have a negative impact on my credit information and endanger the subsequent loans.
After opening the service, if no credit order is generated, no fees will be incurred. After the credit order is generated, at the end of the transaction, the system will deduct the corresponding service fee from your transaction Alipay; At the same time, if you choose to pay in advance, you will also deduct the expenses incurred by the advance payment before the payment arrives.
1. Conditions for the buyer to open an electronic letter of credit:
(1) is a registered member of Alibaba China Station, and has passed the valid authentication (i.e. various existing authentications) recognized by Alibaba China Station.
(2) Real-name authentication is bound to Alipay account to support Alipay online transactions.
(3) Meet the guaranteed insurance access conditions provided by the cooperative insurance company introduced by Cheng E Loan.
(4) Meet the comprehensive scoring requirements of Alibaba China Station.
(5) The buyer shall meet at least one of the following conditions:
A. Alibaba China Station (1688.com) has opened the "Cheng Xintong" service for more than half a year, and its credit rating is "; =2。
B "China Supplier" service has been opened at Alibaba International Station (Alibaba.com) for half a year or more.
C. Having set up shop in Taobao (taobao.com) for more than half a year, and the seller's level is above the drilling level.
D. Open a store in Tmall (tmall.com) for half a year or more.
(6) In the past six months, the total amount of false transactions and low-quality transactions at Alibaba China Station accounted for.
(7) The cumulative penalty for violation of regulations shall not exceed 36 points, and there shall be no serious infringement of intellectual property rights.
(8) Other conditions that Alibaba deems necessary.
2. The conditions for the seller of Chengxin Tong to open:
(1) The seller has bound the Alipay account with real-name authentication.
(2) The time limit for the seller to open a store in China Station of Alibaba and open TrustPass is not less than 180 days.
(3) The seller's credit rating at Alibaba China Station is not lower than Grade 3, and it meets the comprehensive scoring requirements of Alibaba China Station.
(4) The seller's shop has conducted online transactions in the past 6 months.
(5) The seller's online transaction dispute rate in recent 90 days is less than or equal to 0.03% or the number of disputes is less than 2.