Zhejiang E-Commerce Bank Co., Ltd. is an online Internet bank with no physical outlets. The loan products launched are online business loans and pure credit loans. You can apply directly online. Different users get different credit lines, but users often use Alipay to get higher credit lines.
There are 6 repayment cycles and 12 repayment cycles to choose from when using online business loans, and the longest cycle is 24; The alternative repayment methods are interest first and principal later, and each installment in average capital (even principal). Borrowers generally choose the repayment method and number of installments according to their income to ensure the accuracy of subsequent repayment.
Online merchants can set up automatic repayment after borrowing. At this time, the system will automatically deduct money from Alipay balance, Yu 'ebao and bound bank card on the repayment date. General users need to ensure that their accounts have sufficient funds before 12. If the deduction time is missed, the user can repay the money manually. After the online merchant loan is used, there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest will be generated. Moreover, after the deadline, the platform will make a dunning, and the overdue records will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect the handling of subsequent loans.
First, the online merchant bank loan conditions
1. industrial and commercial registration time: 1 year or more (if there is a pre-credit line, there is no such condition).
2. Member type: Alipay personal business.
3. The company name does not contain keywords: franchise stores, offices, sales offices and branches.
4. Age of legal person: 18-65 years old.
5. The legal representative has a good credit record.
6. There are no restrictions on industry, sales and financial indicators.
Second, what is a loan?
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
How do enterprises open online business loans?
The opening of online business loans for enterprises takes Alipay online business loans as an example:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 10.2.56
First, open the homepage of Alipay client, click on mine, and find the online business loan;
Second, if you can't open Alipay, you can directly search for online merchant loans and come out;
Third, then apply for a loan, fill in your information in order, and finally click OK to use it.
Zhejiang E-commerce Bank Co., Ltd. is one of the first batch of pilot private banks in China, which officially opened on June 25, 2005.
With inclusive finance as its mission, online merchant banks hope to use the technology, data and channel innovation of the Internet to help solve the problems of financing difficulties, expensive financing and lack of rural financial services for small and micro enterprises, and promote the development of the real economy.
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 banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can provide financial services for more small and micro enterprises by taking advantage of the Internet and big data.
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.
Alipay online business loan application conditions are as follows:
First, Alipay has real-name authentication.
2./kloc-Chinese mainland citizen aged 0/8-65.
Third, identity: small and micro enterprise operators, self-employed, entrepreneurs, etc.
The above three should be available at the same time.
Ali online business loan application conditions:
First, the sesame score should be above 600.
Second, you must have flowers to borrow, that is, online business loans.
Third, if your sesame score exceeds 600. And flowers. Then you open the computer version of Alipay to see if you are invited to get a loan. If there is, open it.
Online merchant bank loan account opening conditions:
1. international station paying member.
2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged between 18-65, and a Chinese mainland resident who has settled in China for a long time.
Third, industrial and commercial registration is in Chinese mainland.
Fourth, industrial and commercial registration time = 1 year; Total sales in recent 12 months =100 w.
Five, the company can not change the legal representative (professional) and main business within one year.
Six, there have been non-seasonal production in the past year, can not apply for loans.
How to borrow bank loans from online merchants?
Online merchant bank is one of the first five private banks approved by CBRC, and it is also the first bank whose core system is built on the financial cloud.
If you want to apply for a loan at an online merchant bank, you can log in to Alipay APP directly and click "My"; Then find the "online merchant bank" option and click enter; Then click "Open online merchant bank account"; After opening an account, click "Loan Helper" to apply for a loan. Just submit your personal information according to the page prompts. Customers can also download the online merchant bank APP directly, and then log in to the APP and click "Loan" to apply.
Online merchant bank is the first domestic commercial bank whose core system is based on cloud computing architecture initiated by Ant Group as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005.
The online merchant bank officially opened on June 25th, 2005, 2065438. It is one of the first batch of private banks in China approved by CBRC. The online merchant bank is also the first technology bank to build its core system on the financial cloud without offline outlets.
Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and take advantage of the Internet and data technology.
As a bank that focuses on providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant bank is "meticulous".
In recent years, the development of science and technology has greatly increased the availability of small and micro loans in China. More than 30 million small and micro operators have used non-contact loans from online merchant banks, and the average household loan is less than 40,000, of which 70% operators have never obtained operating loans from banks in the past.
In the next five years, "building a Chinese-style open bank" is the core strategy of online merchant banks. Driven by science and technology, we will further open up to supply chains, rural areas and financial institutions, and adhere to the principle of low profit and universal benefit. Online merchant banks hope to provide new ideas for the development of global open banks through practice.
On June 25, 20 15, the online merchant bank officially opened.
2065438+July 2005, the first Internet pure credit loan of online merchant bank was issued in Tonglu, Zhejiang. The online merchant bank announced the launch of the "Support Plan for College Students' Returning to their Hometown for Entrepreneurship".
2065438+In August 2005, the online merchant bank joined hands with CNZZ, a China traffic statistics website, to launch a traffic loan for small and medium-sized entrepreneurial websites.
From 2065438 to September 2005, the online merchant bank launched Wangnong Loan, the exclusive product of rural finance, to provide internet credit services for users in rural areas and promote inclusive finance.
On 20 15 10, online merchant bank and AliPay launched word-of-mouth loans for offline small and medium-sized catering businesses.
On 20 15, 1 1, the online merchant bank launched the double eleven loan promotion for small and micro businesses on Tmall Taobao.
By the end of February, the number of small and micro enterprises served by online merchant banks exceeded 500,000.
By the end of February, 2065438+2006, the number of small and micro enterprises served by online merchant banks exceeded 800,000, and the credit funds provided to small and micro enterprises exceeded 45 billion yuan.
2065438+In March 2006, the online merchant bank APP was officially launched.