If you apply for a loan through China Merchants Bank and cannot apply for Alipay for the time being, the proof of repayment ability can provide one or more of the following:

(1) If the income provided by the income certificate is basically consistent with its local industry, occupation and position, and the income level is sufficient to meet the repayment needs of customers, provide the income certificate;

(2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets.

(3) Customers who are paid by China Merchants Bank can directly provide their salary account flow, without the need for the unit to issue a separate income certificate;

(4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and China Merchants Bank calculates customers' income according to the relevant provisions of local social security account payment or tax policies;