Alibaba Cloud loan advertisement platform

How can Alibaba Cloud get a loan? Is the to-do list in the picture a loan? How to get it?

Lenders generally need to meet the following conditions:

1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;

2. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Other conditions stipulated by the bank.

Is the Alibaba Cloud financial loan reliable?

More reliable.

Beijing Alibaba Cloud Financial Services Outsourcing Co., Ltd. was established on March 2065438 16, 17, with its registered place at 3rd floor, No.2 Courtyard, Qingheying East Road, Chaoyang District, Beijing 104, with its legal representative as the party. The business scope includes accepting financial information technology outsourcing services entrusted by financial institutions; Accept the entrustment of financial institutions to engage in financial business process outsourcing services; Accept the entrustment of financial institutions to engage in financial knowledge process outsourcing services; Software development; Economic and trade consultation; Undertaking exhibition activities; Organize cultural and artistic exchange activities; Enterprise management; Technology extension service; Conference services; Market research; Sales of furniture (not engaged in physical store operation), electronic equipment, mechanical equipment, handicrafts, clothing, computers, software and auxiliary equipment, jewelry and automobiles; Educational consultation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

In today's society, everyone is under great pressure. Sometimes it is really necessary to go to the platform for loans. For example, a friend I know took out a loan because he had to. He met someone because of driving, but there is also a seriously ill mother at home. Then in this traffic accident, it was his main responsibility. Although there is auto insurance, the insurance company also lost part of it, but the process of the insurance company is relatively slow. So I can only give some money to people I meet in the car, and then I have to take care of my old mother. Then after the accident, I couldn't work, so the economic pressure was great, so he chose a loan. We all advised him to repay the loan in time. Later, after our persuasion, the process of the insurance company was completed, which eased his economic pressure and finally paid off the loan money in time.

Alibaba Cloud Online Microfinance Zone provides bank-level security.

Alibaba Cloud Online Microfinance Zone provides bank-level security.

Alibaba Cloud Online Microfinance Zone provides bank-level security, and P2P industry has become a new "gold digger" for hackers. How to improve the security capability of the platform has become a difficult problem for the whole industry. The following is the online microfinance zone in Alibaba Cloud, which provides bank-level security!

Alibaba Cloud Online Microfinance Zone provides bank-level security 1.

P2P peer-to-peer lending platform 20 14 continues to make great strides. However, according to incomplete statistics, there have been more than 200 platforms with problems in the past year. Among these popular "ways to die", technical risks are particularly noticeable.

Obviously, the P2P industry has become a new "nugget land" for hackers, and how to improve the security capability of the platform has become a difficult problem for the whole industry.

65438+ 10/3, Alibaba Cloud announced the official launch of the Financial Cloud Microfinance Zone, which will provide customized cloud computing services for micro-financial enterprises such as P2P, small loans, pawn, guarantee and crowdfunding, among which financial security has become the biggest "selling point".

It is reported that at present, nearly 50 microfinance customers have started to migrate to the Rong Yun microfinance zone of Alijin. By the end of 20 14, 1 1, there were more than 1540 P2P platforms in China, among which hundreds were active in Alibaba Cloud.

According to public information, as of 20 14+ 1 1, nearly 165 P2P platforms have been hacked, resulting in system paralysis, malicious tampering of data and looting of funds.

At the same time, due to the particularity of the industry, when the P2P platform is attacked and the website cannot be opened, it will often cause investors to panic about the platform running, leading to centralized running and indirectly leading to the "death" of the platform.

Ma Mingzhe, Chairman of Ping An's Board of Directors, once said that the technical requirements of P2P online lending platform are no less than those of banks, and even higher than those of banks. However, the reality is that most P2P online lending platforms are almost zero in terms of architecture, database and security.

"Safety is the top priority for all customers. Alibaba Cloud has developed Yundun products based on the offensive and defensive technologies accumulated for ten years, providing customers with a set of cloud security services such as cloud-based DDOS protection, host intrusion protection, security physical examination and database firewall. "

Min Xu, director of the Finance Department of Alibaba Cloud, said that the Financial Cloud Microfinance Zone is stricter in data security, data encryption, data use and auditing.

Previously, the same-city disaster preparedness for large financial customers such as securities, funds and banks will be open to small and micro financial enterprises. Through the disaster recovery service in the same city, customer data is automatically backed up to different computer rooms in the same city. If one computer room fails, the standby computer room can be switched in a few minutes.

In addition, the microfinance cloud area also provides VPN and private line access services for microfinance enterprises. Compared with the use of public network, VPN private line service is more conducive to the security of data transmission and smooth system management and control of small and micro financial enterprises.

Running events have always cast a shadow over the P2P industry, and how to increase public trust has become a puzzle for many platforms.

It is understood that Alibaba Cloud Financial Cloud Microfinance Zone adopts cloud data backup technology and has a fixed data saving mechanism. The P2P platform data using this service will be completely saved, which meets the regulatory requirements for security.

"Alibaba Cloud hopes to help promote the sunny and standardized operation of the industry through technical means." Min Xu said that the malicious deletion of customer data by P2P platforms, which were often exposed before, will be strictly controlled to ensure the data security of users. This also provides a credit endorsement for the standardized online lending platform.

Alibaba Cloud Online Microfinance Zone provides bank-level security II.

Introduction to Microfinance Zone

Financial Cloud-Microfinance Zone is a cloud computing service tailored for the microfinance industry in Alibaba Cloud. According to the industry characteristics of microfinance, provide high-availability, high-level, low-cost and stable cloud computing services, so that microfinance enterprises can easily cope with business growth without worries.

Explain that the microfinance industry includes P2P, small loans, crowdfunding and other industries. Alibaba Cloud Microfinance Zone has suspended the application for new services, and the services already in use continue to provide microfinance services.

Comparison between Financial Cloud and Microfinance Area

Financial Cloud is a cloud platform that provides solutions for customers in banking, securities, funds, insurance and other industries. Microfinance Cloud is a sub-brand of financial cloud, providing solutions for P2P, small loans, crowdfunding and other industries.

They all provided disaster recovery capability for two activities in the same city; The financial cloud can also choose to tolerate disasters in different places, that is, two places and three centers;

The financial cloud has four regions: East China 1, East China 2, South China 1 and North China 2. There is only one area of microfinance in East China:1;

Price: Financial cloud is about 30% higher than microfinance.

Value-added services in microfinance areas

Belongs exclusively to high-specification physical clusters.

The disaster recovery mode of the same city ensures that the application runs 7X24 hours a day, and the physical cluster has a high security level.

Customers in the microfinance area enjoy a 5Gbps anti-DDoS super-high safety and cleanliness level.

The security team will always monitor customers' ports exposed to the public network in real time, and will notify customers to repair them as soon as possible once security risks are found.

The professional team of after-sales engineers provides 7X24-hour uninterrupted technical service, super-fast response and efficient handling of customer needs.

Alibaba Cloud Online Microfinance Zone provides bank-level security 3.

On September 18, Alibaba Cloud launched the digital inclusive finance platform at Alibaba 2020 Yun Qi Conference.

Alibaba Cloud said that the platform can help banks to connect business elements and technical elements as quickly as plugging in the power supply, effectively control the risks faced by small and micro enterprises when issuing loans, and further solve the problem of "dare not lend, unwilling to lend, and will not lend".

Inclusive finance mainly refers to the credit services provided by banks to small and micro enterprises. However, for a long time, banks often face many challenges when developing small and micro businesses. Small and micro enterprises have weak operational stability and anti-risk ability, lack of effective collateral and uncontrollable risks;

The small loan amount of small and micro enterprises and the high investment cost of banks lead to banks' reluctance to lend; Small and micro enterprises do not have standardized financial statements, which leads banks to have no way to start in the credit review process, resulting in banks not lending.

Alibaba Cloud said that its digital inclusive finance platform can help banks build four capabilities, namely, financial service scenario capability, credit data capability, risk control modeling capability and business online capability. These capabilities, like power plug-ins, can help banks achieve "plug and play" of inclusive services.

Zhang Chi, chief architect of Alibaba Cloud Intelligent New Finance Division, said: "The banking industry can use financial technology to promote the rapid development of its business in the direction of online, digital and intelligent.

Alibaba Cloud Digital inclusive finance Platform hopes to help financial institutions improve the digital capabilities of their business and make inclusive finance simpler, more controllable and more efficient. "

According to IDC, an authoritative market research organization, Alibaba Cloud ranks first in China's financial cloud market.

According to public information, Alibaba Cloud's financial industry customers cover 60% of insurance companies, 50% of securities companies and hundreds of bank customers, including six state-owned banks, 12 national joint-stock banks, more than half of the country's urban commercial banks and nearly half of the provincial rural credit cooperatives.

What are the credit loan methods of Ali Online Commercial Bank?

The low-key behavior of online merchant banks can always bring surprises to the outside world, just like Alibaba's purpose of "making the world have no difficult business". Then, what credit loans can be made through online merchant banks? (

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Ant financial service:

Ant Financial Services Group, 201410/0 16, Ali Microfinance Services Group was formally established in the name of Ant Financial Services Group, and its businesses include Alipay, Alipay Wallet, Yu 'ebao, Lucky Treasure, Ant Small Loan and Online Merchant Bank. Microfinance (funds) will target the service crowd at small and micro enterprises and individual consumers.

Wangnong Loan:

Following the products for small and micro enterprises and individual entrepreneurs, such as flow loan, taobao guest loan and word-of-mouth loan, Zhejiang Online Merchant Bank has provided pure credit loans for farmers and village Taoxiaoer in hundreds of rural Taobao service stations across the country.

Transportation loan:

Traffic loan is a cooperation between Ali and CNZZ traffic statistics platform based on webmaster's website traffic, which uses CNZZ traffic statistics data and Ali credit information to lend money.

Taobao guest loan:

Taobao guest is a personal loan made by Ali's mother for Ali's mother taobao guest, and the highest score is 500,000 by using Ali Big Data! First, Baidu Ali's mother has entered the settlement center, and she is still concerned about WeChat and loves to do cards. On one occasion, Ali's data appropriation rate for the tutorial was 73%, with an average amount of 1 10,000 yuan.

Trust payment:

20 16 On April 25th, Ant Financial's online merchant bank announced the launch of "trust payment" products to provide financial services such as credit purchase, credit sale and short-term financing for small and micro enterprises. Trust Pay has been connected to Alibaba Group 1688(B2B) platform and Alibaba Cloud platform in advance, and has provided services to 50,000 small and micro enterprises since its trial operation for more than one month, and will gradually expand to more platforms and scenarios in the future.

The Application Degree of Small and Medium-sized Enterprises to Ali Small Loan

65,438+10,000 small businesses benefited from Ali.

Solving the funding problem of small and micro enterprises depends on small loans and financial institutions focusing on this field, but such professional institutions are easily misunderstood.

A few days ago, Ali Finance, which provided "Taobao Loan" service, was accused of "high interest rate", and there were even rumors that it "misappropriated Alipay funds to lend". Ali Finance immediately clarified that it had helped 65,438+thousands of small and micro enterprises. Zhou Qiren, a member of the central bank's monetary policy committee, said that Alipay funds are managed by state-owned banks, and there is no possibility that Ali Finance will misappropriate Alipay funds. It is reported that this service is not only illegal, but will also be promoted nationwide.

The whole story of Taobao loan rumor

After the siege of Taobao Mall, few people turned to Ali Finance. 10 10/2 1 day, some people gathered in YY group spread news such as "Taobao loan", "Alibaba lends money from customers in Alipay to sellers" and "Alipay will have a black hole fault in funds", trying to incite users to withdraw money on a large scale.

Is Taobao loan compliant? 654381On the afternoon of October 24th, at the Alibaba Cloud Developers Conference held in Hangzhou, Hu Xiaoming, vice president of Alibaba Group and general manager of Ali Finance, said that there are two companies under Ali Finance-Zhejiang Alibaba Co., Ltd. and Chongqing Alibaba Co., Ltd., which were established with the approval of the Zhejiang provincial government and the Chongqing municipal government respectively, and cannot absorb public deposits as lending funds, let alone misappropriate customer funds entrusted by Alipay to ICBC and clearly supervised by the central bank.

"Ali Finance, which is spread by netizens, misappropriates Alipay's money to lend. This is a layman's word. " 10 year 10 On October 25th, Zhou Qiren also expressed his views on this at the first World Zhejiang Merchants Conference held in Hangzhou. In his view, "Alipay's money is placed in bank custody, and even interest can't be moved. Ali Finance cannot be misappropriated, don't worry. "

Informatization micro-loan or national promotion

The relevant person in charge of the Finance Office of the Zhejiang Provincial Government said that Zhejiang Alibaba Co., Ltd. is a financial innovation to solve the financing problem of small enterprises in Zhejiang. So far, it has achieved good practical effect and social value. "The launch of small loan companies, on the one hand, eased the financing difficulties of local small and medium-sized enterprises, on the other hand, it also played a certain role in restraining the high interest rate of local private lending." The person in charge further revealed that this model is expected to be extended to other parts of the province and outside the province.

It is reported that relying on information technology, 99.9% of Taobao loans have been issued less than 500,000 yuan since it was launched more than a year ago, and loans have been issued to 96,000 customers as of last month.

Due to the micro-loan technology based on information technology, the interest rate of Taobao loan launched by Ali Finance is comparable to that of the industry, but the borrower's interest can be calculated on a daily basis, which greatly reduces the unnecessary waste of funds and the actual interest expense cost.

The data shows that the average loan interest rate of Zhejiang company in 20 10 is 17.47%. 2

What is Alibaba Cloud's financial model?

Alibaba Cloud's financial model, also known as Ali Small Loan, mainly provides micro-credit services for small and micro enterprises and individual entrepreneurs. At present, Ali Finance has established an Ali loan business group for small and micro enterprises on Alibaba B2B platform, a Taobao loan business group for small and micro enterprises and individual entrepreneurs on Taobao and Tmall platforms, and launched small loan products such as Taobao (Tmall) credit loan, Taobao (Tmall) order loan and Ali credit loan. As of February 20 14, the number of small and micro enterprises in Ali financial services has exceeded 700,000.

Ali Xiaoyu introduced:

The new micro-loan technology developed by Ali Small Loan Institute is the key to solve the financing of small and micro enterprises, and data and network are the core of this micro-loan technology.

Ali Small Loan takes advantage of its natural advantages, that is, the credit data and behavior data accumulated by customers on Alibaba B2B, Taobao, Alipay and other e-commerce platforms, introduces network data model and online credit model, confirms the authenticity of customer information through cross-checking technology supplemented by third-party verification, maps the customer behavior data on the e-commerce network platform to the credit evaluation of enterprises and individuals, and distributes "small amount, short term, and loan-as-you-borrow" to these vulnerable groups who usually cannot obtain loans through traditional financial channels.

At the same time, Ali Microfinance Technology also attaches great importance to the use of Internet technology. Among them, the operation of a large amount of data in small and micro enterprises relies on the cloud computing technology of the Internet. The micro-loan technology of Ali Small Loan contains a large number of data models and needs large-scale integrated calculation. In the process of micro-loan technology, a large number of data operations are used to judge whether buyers and sellers are related, whether they are speculating on credit, the probability of risk occurrence and the concentration of transactions. It is the application of large-scale cloud computing technology that enables Ali Xiaoyu to call such huge data to judge the credit of small and micro enterprises. It not only ensures its safety and efficiency, but also reduces the operating cost of Ali Small Loan.

In addition, the use of the network also simplifies the financing procedures and links of small and micro enterprises, which can provide 36,524 all-weather financial services for small and micro enterprises, making it a reality to provide financial services for a large number of small and micro enterprises at the same time. This is also in line with the huge number of small and micro enterprises in China and the strong financing demand. With the help of the Internet, Ali Small Loan supports daily interest calculation in product setting, which is convenient for small and micro enterprises to effectively control financing costs and improve the efficiency of their own capital operation, and can provide financing services for more small and micro enterprises within limited resources.