1, different platforms.
Ant Shangcheng Microfinance Company, a subsidiary of Ant Financial Services, provides funds, and online merchant loans are provided by cooperative financial institutions such as online merchant banks.
However, the products are very different and the customers are different.
2. Different application conditions.
The online merchant loan requires the lender to be between 18 and 65 years old, be an enterprise legal person or an individual industrial and commercial owner, and have Alibaba membership.
As long as you have a good personal credit record and high activity in Alipay, you will have the opportunity to open it if you have repayment ability, which is more grounded than borrowing money and online business loans.
3. The loan object is different.
Borrowing is a personal consumption loan, and online business loan is a commercial loan for enterprises and entrepreneurs. The scope of online business loans is relatively small. Mainly for Alibaba users, the shopkeepers who can borrow money are basically online shop owners, but there are many kinds of borrowers, and basically all Alipay users can apply.
The target group is different, which is the difference between the two.
4. The loan amount is different.
There are two ways to borrow online business loans, the express version and the standard version. Express version can borrow up to 500 thousand.
The standard version can borrow up to 2 million yuan. The loan amount is much smaller, up to 300 thousand, which is quite different.
Extended data:
How is it that the online merchant loan suddenly runs out?
According to the past situation, the online merchant loan amount suddenly disappeared because the user failed to pass the irregular comprehensive evaluation of the system. Online merchant loans do not support users to actively apply for opening. The system will comprehensively evaluate the qualification and credit of Alipay users. When the evaluation results meet the requirements, it will automatically open an online merchant loan for it. And with the use of the account, the system will make a comprehensive evaluation of its account from time to time, and adjust the online merchant loan amount according to the evaluation results. Once the evaluation results do not meet the requirements of online business loans, the system will recover its amount, so the sudden disappearance of online business loans is the result of irregular comprehensive evaluation by the system.
There are many reasons why users fail to pass the unscheduled evaluation of the system. For example, there are problems in the operation of users' stores, overdue behaviors in the process of using online business loans, borrowing and other products, or the frequency of using online business loans is low, which may lead to the withdrawal of online business loans.