What loan platform is the online merchant bank?

What loan platform is the online merchant bank?

1. The full name of the online merchant bank is Zhejiang Online Merchant Bank Co., Ltd., and its registered place is located at floor 1 building 15- 17, No.28-38 Xueyuan Road, Xihu District, Hangzhou, Zhejiang Province. The shareholders are Zhejiang Ant Micro Financial Services Group Co., Ltd. and Ningbo Jin Run Asset Management Co., Ltd.

2. It is a commercial bank approved by China Banking Regulatory Commission. One of the first five private banks, operating purely on the Internet, officially opened on June 25th, 2065438. The online merchant bank is the first bank in China to build its core system on the financial cloud, with the mission of serving small and micro enterprises, supporting the real economy and practicing inclusive finance, serving small and micro enterprises and individual entrepreneurs and providing them with efficient and convenient financial services.

3. When using the online merchant loan for repayment. You can repay the money from different accounts. Usually, before the repayment date 12, you can recharge enough money to Alipay balance, Yu 'ebao and bound bank card, and then the system will automatically deduct the money. If the deduction time is missed, the user can repay the money manually.

4. So we can know that online banking is formal. A loan platform approved by China Banking Regulatory Commission and operated independently on the Internet. In addition, it should be noted that loans overdue, an online merchant, will be collected, and the credit information of the applicant will be inquired when applying for an online merchant loan.

What is an online merchant bank?

Online merchant bank is a loan platform. Online merchant finance is a fraudulent company, which needs to pay a deposit to remove the risks of fraudulent loans and long-term loans.

Loan channel:

1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )

Second, online loans (also known as online loans, which refer to online loans submitting applications) are P2P financial loans. The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.

Three. Mobile phone loan (refers to the loan application submitted through the mobile phone loan app, which is flexible and convenient at any time) The basic provisions of the loan are: 18 to 60 years old China citizens with full civil capacity. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

Four. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB. Application materials to be provided:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

What loan platform is the online merchant bank?

Online merchant banks are not loan platforms, but commercial banks approved by relevant departments. Online merchant banks have many loan products. If customers need a loan, they can consult the online merchant bank to see what information they need to provide and what conditions they need to meet.

The loan products launched by online merchant banks are all genuine. After the customer successfully applies for a loan, he must make a record of borrowing and repayment. Once overdue, their personal credit may be affected, and at the same time, they will be charged a lot of penalty interest by the bank, which will increase the repayment pressure.

What platform is online business loan?

Online merchant loan is a loan platform for online merchant banks. Users can borrow money through it if they need it. However, different users get different credit lines when borrowing, and different users get different interest rates when borrowing. Users can choose different repayment periods and repayment times when borrowing money.

After applying for a loan, the online merchant should repay the loan on time. Before the repayment date of 12, the balance of Alipay, Yu 'ebao and the bound bank card should be recharged with enough amount, and then the system will automatically deduct the money. If the deduction time is missed, the user can repay the money manually. It should be noted that overdue repayment will affect personal credit information, and subsequent loans can no longer be borrowed.

The loan of the online merchant loan should be handled in time after receiving the credit report, because the overdue record will remain in the credit report for 5 years after the borrower returns it, and will automatically disappear after 5 years. If the arrears are not paid, the overdue records will be permanently recorded in the credit information and will never disappear.

The full name of online merchant bank is Zhejiang online merchant bank co., ltd, which officially opened on June 25th, 20th15th. One of the first five private banks approved by China Banking Regulatory Commission is the first commercial bank in China whose core system is based on the cloud computing architecture initiated by Ant Financial.

Version information: Take e-commerce bank version 3.9.9.032 1 1, Apple13 (IOS15.3.1system) and Huawei mate40(HarmonyOS2 system) as examples.