2. There are two ways to apply for small and micro loans: ① Order loan: First, it needs to continue to operate effectively in the last two months, and there is an effective transaction volume every month. The system will review whether the application can be made according to the unconfirmed orders that have been shipped and the operation of the store, with a daily interest rate of 0.5%;

(2) Credit loan: First of all, it needs to be operated continuously and effectively in the last six months, with effective trading volume every month. The system comprehensively evaluates whether the operation of the store can be applied, and the daily interest is about six ten thousandths. Both loan store registrants must be at least 18-65 years old.

3. As can be seen from the above regulations, small and micro loans can only be applied if they are registered in the store, and they cannot be used without Taobao stores.