The online merchant bank is the first commercial bank in China whose core system is based on the cloud computing architecture initiated by Ant Financial as the major shareholder. As one of the first five private banks in China approved by China Banking Regulatory Commission, it was officially opened on June 25th, 2065438.
On June 7, 2020, 65438, the online merchant bank entered the top 50 Hurun New Finance in 2020.
Alipay's e-commerce bank is the first technology bank initiated by Ant Group as the major shareholder in China. Its core system is built on the financial cloud and there are no offline outlets.
Generally, when opening online banking, you don't need to register a new user to open it. You can open it as long as you authorize it. In the past, Xi Cai Jun accidentally clicked the authorization to open, and then received "Your online merchant bank account has been linked to Alipay account, please use this account to log in".
I'm a little confused and worried about what it is. Later, I learned that in fact, the online merchant bank just has no offline physical bank and belongs to the online bank, but it still belongs to the bank in essence. There is no need to worry about this.
Is Alipay's online banking safe and reliable?
The online merchant bank was approved by China Banking Regulatory Commission and officially opened on June 25th, 2065438. Is a bank that focuses on providing financial services to more small and micro enterprises and individual operators, and is a legal commercial bank. Don't worry about this. The bank is legal, has passed the national audit and is certainly reliable.
Secondly, deposits within 500,000 yuan of domestic banks can enjoy the protection of deposit insurance regulations, and the deposit business of online merchant banks is also applicable, which means that deposits within 500,000 yuan are guaranteed and there will be no losses. If losses are caused, compensation shall be made.
It is worth noting that only one Alipay account can be bound to an e-commerce bank name. If there are multiple Alipay accounts, please choose the one that is commonly used when opening. In addition, individuals only have the right to open an e-commerce bank, so they cannot cancel it for the time being. We can unbind the bank card from Alipay, but these have not been canceled.
Related Q&A: What does online merchant bank discount mean? Online merchant bank discount refers to the behavior that the holder of the forward bill transfers it in the discount market before the bill expires after acceptance, and the transferee pays the money to the transferor after deducting the discount interest. 1. Bill discounting can be divided into three types, namely discounting, discounting and rediscounting. 2. Cash discount refers to bills that have been discounted by commercial banks but have not yet expired when funds are temporarily insufficient. Introduction of online merchant bank: 1. The online merchant bank is the first commercial bank in China whose core system is based on the cloud computing architecture initiated by the major shareholder Ant Group. As one of the first five private banks approved by China Banking Regulatory Commission, online merchant bank officially opened on June 25th, 20 15, and it is one of the first private banks approved by China Banking Regulatory Commission. The online merchant bank is also the first technology bank to build its core system on the financial cloud without offline outlets. 2. 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. 3. 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. 4. In June 2020, the online merchant bank announced that it would serve more than 29 million small and micro enterprises through non-contact loans, achieving the five-year goal of tripling when it was established; President Jin Xiaolong announced the goal for the next five years. Driven by technology, online merchant bank will become the cloud open bank with the largest number of services. In September 2020, at the Bund Conference, the online merchant bank announced that it would use satellite remote sensing technology to solve rural financial problems for the first time.