online merchant loans can be deferred, and users need to meet the relevant conditions of online merchant loans. Users can call Alipay's official customer service hotline 95188, and after entering the manual service, explain to the staff that there is not enough funds to repay, and the staff will decide whether to agree to delay the repayment according to the user's personal account and other related information < P > 1. Online loan, mbth is Internet lending, and p2p online loan is the abbreviation of online loan, including individual peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. The number of online lending platforms grew rapidly in China in 212, with about 35 active platforms so far, and the total number had reached 3,54 by the end of April 215.

second, in September, 219, the leading group for special rectification of Internet financial risks and the leading group for special rectification of online loan risks jointly issued the Notice on Strengthening the Construction of Credit Information System in the P2P online loan field, supporting the P2P online loan institutions in operation to access the credit information system.

Third, Internet finance is still financial in nature and has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet finance innovation.

fourth, by encouraging innovation and strengthening supervision and mutual support, we will promote the healthy development of internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement supervision responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and illegal activities. Fifth, peer-to-peer lending includes individual peer-to-peer lending (that is, P2P peer-to-peer lending) and online microfinance. Individual peer-to-peer lending refers to the direct lending between individuals through the Internet platform. Direct lending on the platform of individual peer-to-peer lending belongs to the category of private lending, which is regulated by laws and regulations such as contract law, general principles of civil law and relevant judicial interpretations in the Supreme People's Court.

Sixth, online micro-loans refer to micro-loans provided to customers by Internet companies through their controlled micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of online lending, and strive to reduce the financing costs of customers. Peer-to-peer lending's business is supervised by CBRC.