Although both Internet users and ants are members of the Alipay ant family, the service providers are different, the providers of services are different, and the services provided are not the same.
What's the difference between online business loan and ant loan?
Online business loan
Product positioning: e-commerce loans are mainly business loans for small and micro businesses and individual entrepreneurs.
Service crowd: small and micro enterprises and individual operators.
Service provision: open payment service for some small and micro enterprises and some individual operators.
Product category: credit payment, order payment, advance collection and other services.
I'll borrow the ants
Product positioning: jiebei is a cash lending product for ordinary consumers.
Service crowd: consumers.
Service provision: at present, ant financial services provides payment services for consumers.
Product category: credit payment.
Which is better, online business loan or ant loan?
Alibaba's e-commerce loan is a credit loan specially implemented by Alibaba finance for its member enterprises. It was originally called Taobao customer loan, or ant small loan. Now it is officially renamed as e-commerce loan. The upper limit of e-commerce loan is 500000, and the loan period is up to 12 months. The interest rate of e-commerce loan is determined according to different loan amount, period and enterprise status, and the interest rate is relatively low They are loved by the people.
'Jiebai' is a consumer credit product of ant micro loan. Users with a score of no less than 600 have the opportunity to use personal consumer loans.
It can be concluded from the definition that although they belong to Alibaba's loan products, their positioning is completely different. The positioning group of personal business loans is small and micro enterprises and individual operators, while the positioning group of personal consumer loans is individual consumers.
There are essential differences between net business loan and ant borrowing. The service objects between them are essentially different, and their ways of opening up are fundamentally different in many aspects. Therefore, between the two, to adapt to different user needs, Alipay depends on the user's role and the net business loan.