The first function of online merchant bank is to lend money. If the application is successful, you will generally be given a quota of 6.5438+0 million. Where will the money from this loan go? Will go to the balance of AliPay. So, how to get the money from the online merchant bank? Next, I will give you a detailed explanation of Ali loan products.
1, online merchant bank loan. After the online merchant bank APP is updated, as long as users with sesame scores above 600 download the APP, they can apply for up to 200,000 loan services, as well as financial management and transfer. In addition, the latest version of Alipay is updated, and some users will display this channel directly in Alipay.
2. In the field of consumer finance, users with a sesame credit score of 600 or above can apply for a "flower garden" quota payment when shopping in Tmall and Taobao. For example, there is an interest-free period of more than one month. Just add ant flower buds in Alipay service window to apply!
3. If the sesame score is above 600, the sesame credit partner (P2P company, small loan company, etc.). ) It can open up a green channel for it to obtain faster and better credit audit services, as well as preferential services such as increasing the amount and repayment, such as: mobile phone loan, credit wealth management, Ping An easy loan, flash banking, and pat loan.
4. Borrowing loans, sesame credit 600 points. Download the latest version of Alipay APP, open the wealth column, find the word "Ant Borrow", and click to use it immediately. After entering the page, you can intuitively see how many loans you have. The next operation is particularly simple. Click "I want a loan", fill in the loan amount and loan term, and confirm the use. 1 minute, you can get the corresponding loan. After the store users are updated, the loan becomes an online business loan. The longest repayment period is 12 months, which can be repaid with the loan.
5. Seller's order loan: At present, the daily interest rate of Taobao's order loan is about five ten thousandths, and there is a personal shop in Taobao. The store has been in business for more than 2 months and is in good operating condition. And in line with the monthly transaction volume stipulated by the lending institution, personal credit is good. As long as the borrower meets the above conditions, he can apply for a loan from Taobao Seller Center. Generally speaking, the loan amount of Taobao order loan is not high, and the application is relatively comprehensive, which is a good choice for many Taobao sellers who cannot get loans from banks.
6. Interesting staging and future staging: A new force of college students who have contributed a lot to Taobao's revenue has specially opened a college student area in the sesame credit column of Alipay wallet. Users only need to find the entrance of Sesame Credit, click on the column of Credit Life, and they will see the words: Alipay United Fun Staging, Future Staging, and provide a credit line of 9,000 yuan for children's shoes with sesame scores of 600 or above. This service covers 99% of colleges and universities in China.
7. The loan service of recruiting a good term loan is hidden in Alipay's sesame credit. People who want to apply for a loan must meet a prerequisite. Sesame credit score of 600 points or above, to qualify. For parents with good credit qualifications, this is naturally not a problem. Find the entrance of "Sesame Credit" in Alipay wallet, click on "Credit Life", and you can see the words "Call for a good term loan" in the financial column! Line1-30,000!
8. Ali traffic loan is actually a traffic loan from an online merchant bank. This is the cooperation between online merchant bank and CNZZ, a website traffic statistics organization in China, to launch credit products for small and medium-sized entrepreneurial websites. Provide credit loans to all qualified entrepreneurial small and medium-sized websites inside and outside the Ali system! Analysis of the flow loan rate is 89%, and the amount is 2-65438+ 10,000!
9. Corporate loan-the maximum amount is 654.38+0 million. Ali credit loan is credited to personal account, and only an enterprise legal person with sesame credit of 600 points is qualified to have the decision right to use the loan. Therefore, Ali Ant Xiaowei requires that the applicant for Ali credit loan must be a legal person, so Ali credit loan is credited to the personal account of the legal person.
10, "Ali Go" launched a "credit stay" hotel service plan based on Sesame Credit, and users with more than 600 points can enjoy "zero deposit" and other services when booking hotels. The emerging rental platform "Little Pig short rent" has also launched a deposit-free check-in service with sesame credit of 600 points or more.
To tell the truth, most of Ali's loan products have high interest rates, much higher than the loan products launched by banks, but the loan speed is particularly fast, which can be reached in seconds, so many people like to use them. Finally, the most important point is that these products are basically bound to your sesame credit, so be sure to protect the sesame points!
Online merchant bank loan line
Online merchant banks mainly supply online merchant loans and online agricultural loans. The following are the loan amounts of the two loans:
1, online merchant loan
There are two loan methods for online business loans, the express version and the standard version. The express version can borrow up to 500,000 yuan and the standard version can borrow up to 2 million yuan.
2. Wangnong loan
The maximum loan amount of Wangnong Loan is 500,000 yuan. Loans can be improved in some ways. Good personal credit qualification, low debt ratio and good reputation in the village are all conducive to increasing the loan amount.
What are the credit loan methods of Ali Online Commercial Bank?
; ? The low-key behavior of online merchant banks can always bring surprises to the outside world, just like Alibaba's purpose of "making the world have no difficult business". Then, what credit loans can be made through online merchant banks? (
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Ant financial service:
Ant Financial Services Group, 201410/0 16, Ali Microfinance Services Group was formally established in the name of Ant Financial Services Group, and its businesses include Alipay, Alipay Wallet, Yu 'ebao, Lucky Treasure, Ant Small Loan and Online Merchant Bank. Microfinance (funds) will target the service crowd at small and micro enterprises and individual consumers.
Wangnong Loan:
Following the products for small and micro enterprises and individual entrepreneurs, such as flow loan, taobao guest loan and word-of-mouth loan, Zhejiang Online Merchant Bank has provided pure credit loans for farmers and village Taoxiaoer in hundreds of rural Taobao service stations across the country.
Transportation loan:
Traffic loan is a cooperation between Ali and CNZZ traffic statistics platform based on webmaster's website traffic, which uses CNZZ traffic statistics data and Ali credit information to lend money.
Taobao guest loan:
Taobao guest is a personal loan made by Ali's mother for Ali's mother taobao guest, and the highest score is 500,000 by using Ali Big Data! First, Baidu Ali's mother has entered the settlement center, and she is still concerned about WeChat and loves to do cards. On one occasion, Ali's data appropriation rate for the tutorial was 73%, with an average amount of 1 10,000 yuan.
Trust payment:
20 16 On April 25th, Ant Financial's online merchant bank announced the launch of "trust payment" products to provide financial services such as credit purchase, credit sale and short-term financing for small and micro enterprises. Trust Pay has been connected to Alibaba Group 1688(B2B) platform and Alibaba Cloud platform in advance, and has provided services to 50,000 small and micro enterprises since its trial operation for more than one month, and will gradually expand to more platforms and scenarios in the future.
What are the bank loan products of Ali online merchants?
As an online bank under Alibaba, its user-oriented products are similar to those of ordinary banks, but most of them are small loan products, which do not involve a series of products such as large loans, and online merchant banks are more constrained. Friends who want to borrow money from online merchant banks can visit from the most basic online merchant banks, official website or Alipay, and the Alipay entrance is suggested to enter from official website. There are two kinds of loan products of Ali Online Commercial Bank, one is online commercial loan, and the other is online agricultural loan.
Online commercial loan
Online business loan is a pure credit personal business loan in Ali system, which is unsecured and unsecured and belongs to pure credit loan. Alipay's flower buds belong to another loan method of online merchant banks. However, unlike online merchant loans, online merchant loans generally have a large amount and are directly linked to personal credit. You can enter from Alipay, fill in your personal information, and authorize Sesame Credit Point to apply.
Wangnongdai
Online agricultural loan is a loan product launched by online merchant banks to support rural Taobao. It is also a credit loan. The loan review conditions are generally strict, and the promotion of online agricultural loans is relatively small. Many friends don't use this product, so it is a relatively unpopular loan product.