1, Jiebai: Similar to Flower Garden, Jiebai is a consumer credit product launched by Alipay. By borrowing money, users can spend on Alipay platform and choose the way of repayment on schedule.
2. Online merchant loan: Online merchant loan is a small loan product jointly launched by Alipay and online merchant bank. Through online business loans, users can apply for a certain amount of loans to meet the financing needs of individuals or small and micro enterprises.
3. Small loans: Some small loan companies that Alipay cooperates with also provide small loan services. Users can apply for small loan products on Alipay and get financial support.
It should be noted that when applying for online loans, many people were told that they became black households because of insufficient comprehensive scores. If it is not the illegal households caused by overdue, you need to find other reasons. For example, is it caused by the high frequency of online loan applications? You can find your own unclear places in "Zhiyi Big Data". As long as you understand the reasons for becoming a black household, you can improve online loan big data according to the situation.