Introduction of Ali Small Loan Products

I. Introduction of Ali Small Loan Products

With the fame of Guo Guangchang, Ma Yun, Lu, and Ali Small Loan, the trust of online merchants is even higher than that of some banks. Some analysts believe that Ali Small Loan will not only solve the funding problem of some small and medium-sized network operators to a certain extent, but also become a brand-new source of income for Alibaba. Ali Xiaoyu's loan product Ali Xiaoyu focuses on serving micro-enterprises and independent entrepreneurs on Alibaba and Taobao platforms, and has successively launched Taobao order loan, Alibaba credit loan and Taobao credit loan products without collateral and guarantor. The minimum amount 1 yuan, and the maximum amount is 500,000 yuan. The whole process of loan application, loan review and lending is completed online, with the shortest lending time of 3 minutes (Taobao order loan) and the longest lending time within 7 days after application (Alibaba Credit). Ali Credit Loan is a product of Alibaba. The service targets are online merchants and small businesses on Alibaba's e-commerce platform. The loan applicant must be the legal representative or actual operator of the enterprise. You can directly log in to the homepage of Ali Credit Loan, submit the loan application form, and provide the enterprise fund bank account (which can be downloaded from online banking), the personal Alipay account and bank debit card of the legal representative of the enterprise, and the power of attorney for credit report authorization inquiry (which can be downloaded from online). Subsequently, the staff will have a video conversation with the applicant online, conduct face-to-face investigation and review, and then lend money after passing. It usually takes 2-3 working days from application to approval, and the applicant can get the loan in 2 days at the earliest. If the preliminary examination fails, you can apply again 30 days after the first application date. The advantage of this kind of loan is that it is completely free from geographical restrictions, with strong feasibility and great development potential. There are as many as100000 online merchants and small businesses on Alibaba's e-commerce platform, all of which are potential customers in theory. Taobao loan is divided into two parts: order loan secured by order and credit loan secured by credit. Among them, the order loan has been put into trial operation for sellers all over the country, and the service target is Taobao shop. Taobao sellers from delivery to receipt of the buyer's payment, as fast as 2-3 days, as slow as a few weeks, for small Taobao stores, there will be problems in capital flow. Taobao sellers can mortgage the right to collect orders and get full loans according to the order amount. The daily interest rate of the loan is five ten thousandths, and the longest term is seven days. This kind of loan is completely completed online, with high speed and low cost, which is very popular with Taobao shop owners. As of June 22, 200011,this loan has been tried for nearly one year, and it has provided loans to 36,382 online stores nationwide, with a total amount exceeding 654,380.2 billion yuan, and the NPL ratio is almost zero.

Second, what is Ali's small e-commerce?

Ali Microfinance (hereinafter referred to as "Ali Microfinance") is the first in China.

Internet e-commerce companies provide small services for small and medium-sized network operators on the e-commerce platform.

Ali Small Loan is a form of Internet finance and belongs to Internet banking business. It refers to Afghanistan.

Ribaba Group uses the transaction data of its own business platform for many years through its small loans.

Provide pure credit of less than 500,000 yuan to merchants in the platform through its own funds and outside.

Service finance. By the end of 2011in 2004, more than 165438+ ten thousand small and micro enterprises had successfully made small loans to Ali.

The total amount of application is more than 30 million, about 30,000 per household, and the cycle is as short as 1-2 weeks.

The overdue rate is only 0.92%, and the interest is calculated on a daily basis, with high efficiency. According to the average capital occupation time of merchants 123 days,

The interest is only 6%-7%.

Ali Small Loan is an industrial innovation for Internet companies to enter the financial industry. Compared with ...,

This new model greatly increases the degree of information asymmetry, which makes the demand of some small and micro enterprises

To, also brought the gospel to the small and medium-sized network operators on the platform.

3. What are the products of Ant Small Loan?

Ant urgent help and ant annual loan, ant urgent help is a short-term credit loan product, in order to solve the short-term turnover difficulties of small funds in college students' study and life. The initial loan amount is 100- 1000 yuan. Students can improve the loan amount by improving the information, and the loan amount will be increased to 2000 yuan after the information is approved. Ant annual loan is a long-term credit loan product, with a quota of 2,000-65,438 yuan+0,000 yuan. It allows you to start a business by stages, travel by stages, shop by stages and train by stages.

4. What loan products does Ali have?

Gui Li, who fakes online guarantees and cheats in the name of small loan companies, is everywhere, reminding you:

1. Information (so-called legal person, manager, financial controller) needs to be released in the name of the company as the account for collection and charging.

2. To verify the financial strength (repayment ability) and other reasons, you need to deposit money on your own card.

Please be careful. Don't be cheated.