1, improve business ability
Because the operation of the enterprise has a great relationship with the credit of online business loans, it is very helpful to continuously improve the operation ability and increase the income of the enterprise and the number of users.
2. Keep a good use record.
The borrower's use of online merchant loans also affects the recovery of the quota. If the borrower can maintain a reasonable frequency of online business loans, it will also be of great help to the recovery of the quota.
3. Repay in full and on time.
Maintaining long-term timely and full repayment is also very helpful to the recovery of online merchant loan credit line. Therefore, in the process of using online business loans, everyone must strictly abide by the terms of the contract, which is very useful for shortening the recovery time of credit lines.
The online merchant bank officially opened on June 25th, 2005, and it is one of the first private banks approved by China Banking Regulatory Commission. This online merchant bank is also the first technology bank to build its core system on the financial cloud without offline outlets.
Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and take advantage of the Internet and data technology.
As a bank that focuses on providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant bank is "meticulous".
In recent years, the development of science and technology has greatly increased the availability of small and micro loans in China. More than 30 million small and micro operators have used the contactless loans of online merchant banks, and their average household loans are less than 40,000, of which 70% have never obtained business loans from banks in the past.
In the next five years, "building a Chinese-style open bank" is the core strategy of online merchant banks. Driven by science and technology, we will further open up to supply chains, rural areas and financial institutions, and adhere to the principle of low profit and universal benefit. Online merchant banks hope to provide new ideas for the development of global open banks through practice.
Online merchant bank is the first domestic commercial bank whose core system is based on cloud computing architecture initiated by Ant Group as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005.