Can online business loans be compulsorily opened? What are the conditions for an online business loa

MYbank is an operating loan launched by MYbank for small and micro enterprises and individual entrepreneurs, which is a pure credit loan without collateral and guarantee based on the operation and credit status of the operator, which is safe and reliable, fast and flexible in borrowing and repayment.

In [Alipay] - [My] - [Online Business Loan] you can see your online business loan limit. If you need authorization on the page, click Agree to the agreement and view the limit, and then click Borrow money. You can also apply for an MYbank loan.

If you don't see the online merchant loan entrance in [Alipay] - [My], or the prompt after clicking it says that it does not support opening and using it temporarily, it means that your account is currently unable to open online merchant loan, and it is recommended that you pay attention to it in the future. Whether the online business loan can be opened is comprehensively evaluated by the system from time to time, and manual intervention cannot be made.

If you can't open an online business loan, you can consider Alipay Borrowing, Tencent Micro Loan, Du Xiaoman Financial Money Spend and other big brand credit products. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable and the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

In addition to individual consumers, small and micro business owners who need start-up or working capital can also consider having money to spend, and Money is committed to providing accurate, convenient and efficient financial services for small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

There are many ways to apply for loans, and the definition of online quick loan refers to the small consumer loan issued by the Agricultural Bank of China in cash to the individual customers of the Agricultural Bank of China who meet certain conditions, and the customer applies for it by himself, arrives at the account quickly, approves it automatically, and uses the credit by himself.

Application Condition (1) Basic Condition 1Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2.

Possess a valid legal ID. 3.E-banking customers of our bank and holding a security authentication tool issued by our bank.

At present, only the second-generation K treasure customers are supported) 4Good credit profile, 5There is no unexpired loan amount and no outstanding balance of the loan.

6.Stable income and ability to repay credit on time. 7.

The purpose of the loan is reasonable and clear.

The loan amount for applying for a network quick loan is 3,000 yuan to 300,000 yuan; The loan limit is valid for 30 days, and the borrower needs to use the loan within the validity period of the loan.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

Purpose of NetJet Loan:

1) The online quick loan business is used for personal consumption and shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.

2) The online fast loan adopts the method of issuing cash credit.

Online business loans are the same as micro loans, and they cannot be forcibly opened.

The conditions required for online business loans are:

1.The applicant is between the ages of 18 and 65 and has full capacity for civil conduct.

2.Real-name authentication can be completed on Alipay.

3.The applicant must be the legal representative of the enterprise or the person in charge of the individual industrial and commercial household.

4.The industrial and commercial registration place of the enterprise is in Chinese mainland, and the industrial and commercial registration time is more than 1 year.

5.The operating entity or store meets the requirements of the comprehensive assessment of the overall operation of the system.

Extended information: 1. Loan principles.

The "three principles" refer to safety, liquidity, and efficiency, which are the fundamental principles of commercial banks' loan operations. Article 4 of the Law of the People's Republic of China on Commercial Banks stipulates that: "Commercial banks shall operate independently, bear their own risks, assume their own profits and losses, and exercise self-restraint based on the operating principles of safety, liquidity and efficiency.

1. Loan security is the primary issue faced by commercial banks; 2. Liquidity refers to the ability to lend according to a predetermined term, or quickly realize the ability to cash out without loss to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis for the continuous operation of the bank. For example, if a long-term loan is issued at a higher interest rate than a short-term loan, the efficiency is good, but the loan term is longer, the risk increases, the security decreases, and the liquidity becomes weaker. Therefore, there must be harmony between the "three sexes" so that there will be no problems with loans.

2. Loan channels: 1. Traditional loans (also called offline loans, which refer to submitting loan applications in real life through banks, etc.) 2. Online loans (also called ** loans, referring to online loan applications) are P2P financial loans. P2P was built for fundraisers and investors.

Compared with traditional loans, Internet finance can avoid risks such as illegal fundraising, bad debts, and running away, and there is no fixed investment group in Internet finance, which can effectively solve the security of platform operation and protect the interests of investors. 3. Mobile loan (refers to submitting a loan application through the mobile loan app, anytime, anywhere, flexible and convenient).

3. Basic provisions on loans.

Loan target: Chinese citizens between the ages of 18 and 60 with full capacity for civil conduct.

Loan Limit: After the borrower provides a pledge, mortgage, third-party guarantee or certain credit qualification approved by CCB, the bank will verify the corresponding pledge, mortgage, guarantee or credit limit 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 appraised value of the collateral; The credit limit and guarantee limit are determined based on the borrower's credit rating.

Guarantee: Mortgage, pledge, third-party guarantee or credit approved by CCB.

Operating environment: mobile phone vivos6, Alipay.

There are two situations in which online business loans cannot be used, one is that the quota is closed, and the other is that the quota cannot be used, for the following reasons:

1. The reason why the loan line of online merchants was closed.

1. The online business loan limit is not applicable for a long time, and it is likely to be closed, after all, the market funds are limited now, and the quota will be given to those who need it more.

2. Frequently use online business loans to repay in advance.

It may also be one of the reasons, although early repayment is supported, but this also makes the institution Yeqin unprofitable.

3. There are changes in the credit situation, and there are generally two main aspects, one is the personal credit situation, and the other is the operation of your store.

2. Online business loans cannot be used if there is a quota.

1. Check whether it is operating in an unfamiliar network environment, which may be judged as an unsafe environment by online business loans and cannot be used temporarily.

2. Whether you have changed the bound mobile phone or used device, because switching the network and using the device will trigger MYbank.

's Ansong Nian full strategy, temporarily unavailable. This situation only needs to be done for a while, during which the normal store operation can be maintained, as well as the frequency of use of Alipay.

3. If the borrowing button cannot be clicked, check if there are any options that are not checked in the process of borrowing the first number, and just check it.

Extended information: Five differences between online business loans and borrowing:

First, the product types are different.

1. Online business loans.

Online business loans are mainly aimed at small and micro enterprises.

The operating payment for individual entrepreneurs is mainly open to some small and micro enterprises and some individual business users.

Product categories: credit payment, order payment, early payment and other services.

2. Ants borrow.

Borrowing is a cash lending product aimed at ordinary consumers, provided by Ant Financial.

Provide payment services for consumers.

Product category: credit payment.

Second, the platform is different.

MYloan is a loan product of MYbank, and borrowing is a loan product of Ant Financial. Although MYbank's major shareholder is Ant Financial, there is a big difference between the two in terms of product application.

3. The loan objects are different.

The scope of online business loans is relatively small, mainly for Alibaba.

The borrowers are basically the owners of the outlets. There are many loan objects to borrow, and basically all Alipay users can apply for it. The two are aimed at very different people.

Fourth, the amount is different.

There are two types of loans, one is the express version and the other is the standard version. The maximum loan amount for the Express version is 500,000 yuan, and the maximum loan amount for the standard version is 2 million yuan. The amount of borrowing is much smaller than that of online business loans, at most only 300,000 yuan.

The difference in loan amount between the two is obvious.

Operating environment: iqooneo3 Alipay.