But the bank will still charge you all the related fees.

The essence of Alibaba microfinance is:

You provide all kinds of materials needed for your loan, and then Alibaba will help you submit them to the bank.

Because it is submitted through Alibaba, the bank will give priority to your loan application. At the same time, because Alibaba has made a certain degree of integrity investigation on the enterprise in advance, it will give priority to lending under the same circumstances.