The online merchant bank is a commercial bank initiated by Ant Group as a major shareholder, not an unknown financial institution. Its predecessor was Zhejiang Alibaba Microfinance Co., Ltd. ... Anxin also connected to the central bank's credit information system, and the relevant loans and repayments will be recorded in the personal credit information report. Overdue repayment will be recorded with bad information, resulting in personal credit damage. So it is still more reliable.