Shulou(Shulou.com)05/31 Report--

Audio commentary

Hello, everyone. The meeting will answer your questions. Does the opening of Alipay online merchant bank have any impact? does it not have an impact on the opening of Alipay online merchant bank? many people do not know this. Now let's take a look at it!

Answer:

1. Both online merchants and loans are Internet financial service products launched by Alipay. It doesn't matter if you don't use it, but now that you've opened it, you'd better use it to avoid that Alipay can't open it again if you withdraw the invitation in the future. Alipay mainly revolves around the data of consumer users, which will be relied on to analyze which type of users it belongs to, but most users do not have this function, so they have to use it and have already opened it.

2. Online merchant bank:

3. The Internet Merchant Bank, which officially opened on June 25, 2015, is one of the first private banks approved by the China Banking Regulatory Commission. Online merchants are also the first technology banks with core systems on the financial cloud and no offline outlets. Based on the financial cloud computing platform, online merchant banks have the ability to handle highly concurrent financial transactions, massive big data and flexible expansion, and make use of Internet and data technology; as a bank committed to providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant banks is "meticulous" In recent years, with the development of science and technology, the availability of small and micro loans in China has been greatly improved. More than 30 million small and micro operators use contactless loans from online commercial banks. Their average household loan is less than 40,000, and 70% of them have never received a bank loan before. In the next five years, "building a Chinese-style open bank" will be the core strategy of online commercial banks; driven by science and technology, it will be further opened to supply chains, rural areas and financial institutions, insisting on small profits and universal benefits. The Internet Merchant Bank hopes to provide new ideas for the development of global open banks through practice.

This is the end of this article. I hope it will be helpful to all of you.

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