The online merchant bank loan is relatively reliable, because the online merchant bank is a private internet bank in China. It was established on September 29th, 2004 with the approval of China Banking Regulatory Commission, and has a formal banking license. Therefore, users don't need to worry too much if they borrow from online merchant banks.

From the perspective of shareholder composition, the largest shareholder of the bank is Ant Financial, which holds 30% of the shares of the online merchant bank. Other shareholders include Shanghai Fosun Industrial Technology Development Co., Ltd., Wanxiang Sannong Group Co., Ltd., Ningbo Jin Run Asset Management Co., Ltd. and Jinzi Ham. And they also hold different shares in the online merchant bank. In terms of operation, online merchant banks mainly rely on the Internet platform, and have not set up corresponding branches and business outlets. The use of cloud computing and big data has strengthened the risk control ability of the whole bank.

Note: 1. Since online merchant banks are regular private banks, they have been connected to the central bank's credit information system. If the user is overdue, it will be reported to the central bank's personal credit information system by the online merchant bank. Therefore, when users use online merchant bank loans, they must repay them on time. 2. Evaluate your repayment ability correctly when borrowing money, and don't affect the quality of life because of the excessive repayment pressure in the later period.