Zhejiang E-commerce Bank Co., Ltd. is one of the first pilot private banks in China, and officially opened on June 25th, 20 15. The online merchant bank is positioned as the preferred financial service provider for online merchants, the explorer of Internet banking and the practitioner of inclusive finance, providing services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
Extended data
Online merchant bank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, online merchant bank has the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can provide financial services to more small and micro enterprises by taking advantage of the Internet and big data.
Online merchant banks use the advantages of Alibaba's e-commerce platform, that is, the credit data and behavior data accumulated by customers on Alibaba's B2B, Taobao, Alipay and other e-commerce platforms, to issue pure credit micro-loans with "small amount and short term" to these small and micro customers who usually cannot obtain loans through traditional financial channels.
By introducing network data and online credit investigation mode, the authenticity of customer information is confirmed by cross-checking technology supplemented by third-party verification.
Map the customer's behavior data on the e-commerce network platform to the credit evaluation of enterprises and individuals, so that the value credit of small and micro enterprises can be better reflected.