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The difference between ant flower buds and online business loans;
1 has different meanings.
Online business loan: it is a pure credit loan for Alibaba member business owners. Borrowers can get loans with lower interest rates than traditional credit loans without providing mortgage or guarantee.
Borrow: It is a consumer credit product owned by Ant Micro. Users with a sesame score of more than 600 can apply for a loan amount ranging from 1000 yuan to 300,000 yuan.
2. The loan amount is different.
Online business loan: there are two ways to borrow money, the express version and the standard version, with a maximum loan of 500,000 yuan. The standard version can borrow up to 2 million yuan.
Borrow: The maximum amount is only 300,000, which is very different.
3. Different in nature
Online merchant bank and Alipay are platforms with different attributes. Online merchant banks and Alipay spend money and borrow money, which are different loans. Online merchant banks issue operating loans, which were originally merged into online merchant banks in taobao guest. Alipay's Huabai loan is a consumer loan. The nature is slightly different, but in the end they are all repaid through Alipay.
4. Different approval methods.
As one of the first five private banks approved by China Banking Regulatory Commission, online merchant bank is based on financial cloud computing platform and has the ability to handle high concurrent financial transactions, massive big data and flexible expansion. We can take advantage of the Internet and big data to provide services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
5, for different groups of people
Online business loan is a personal business loan provided by online banks, which is oriented to merchants and the purpose of the loan is to operate. Online business loans, online business loans, you can know from the name that their loans are lent to online merchants. Ant lending is a consumer loan for consumers, and online business loan is a commercial loan for merchants, also called commercial loan.
6. Different platforms
Online merchant loan is a product launched by online merchant bank, and loan treasure is a product launched by Ant Financial. The shareholder of the online merchant bank is Ant Financial, but the products are very different and the customers are different.
7. Different application conditions
The online merchant loan requires the lender to be between 18 and 65 years old, be the person in charge of an enterprise legal person or individual industrial and commercial household, and have Alibaba members. Borrowing only requires a good personal credit record, high activity in Alipay, and a chance to open the repayment ability. In contrast, lending is more grounded than online business loans.
8. Different loan targets
The scope of online business loans is relatively small, mainly for Alibaba users. Most of them are online shop owners, but there are many borrowers. Basically, all Alipay users can apply. The target group is different, which is the difference between the two.