订单贷款基本规则
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<td colspan="2" height="20" style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204); border-width: 1px; border-style: solid;"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">类型</span></strong></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204); border-width: 1px;"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">具体内容</span></strong></td>
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<td rowspan="5" height="154" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">基本信息</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">产品介绍</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">订单贷款是网商贷的产品之一，其服务对象为淘宝个人和企业卖家，只要卖家符合一定的条件，且当前有符合条件的“卖家已发货，买家未确认收货”的订单，就可以申请订单贷款，</span><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">申请成功的贷款将直接发放到店铺绑定的网商银行账户。</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">开放地区</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">中国大陆大部分地区（港澳台和海外地区未开放）</span><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">，具体以页面显示为准</span></p></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">会员类型</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">淘宝网集市卖家和天猫卖家</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">授信额度</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">具体以页面显示为准</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">贷款利率</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">具体以页面显示为准</span></td>
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<td rowspan="4" height="220" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">申贷</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">申贷账号</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">淘宝/天猫账号</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">申贷账户要求</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">店铺绑定的支付宝账户状态正常、店铺正常经营</span></td>
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<td height="110" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">申请条件</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><p><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">1、淘宝：</span></strong></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（1）店铺注册人/企业法人是年龄在18-65周岁的中国大陆居民；</span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（2）当前有符合条件的“卖家已发货，买家未确认收货”的订单；</span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（3）多维度综合评估店铺情况符合要求；</span></p><p><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">2、天猫：</span></strong></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（1）当前有符合条件的“卖家已发货，买家未确认收货”的订单；</span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（2）多维度综合评估店铺情况符合要求</span> </p></td>
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<td height="66" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">其他申贷规则</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); word-break: break-all; border-width: 1px;"><p><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">1、次数规则：</span></strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">提前收款和订单贷款当日累计支用次数限3次；</span></p><p><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">2、贷款互斥规则：</span></strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">与菜鸟存货融资产品互斥，若您签约使用了菜鸟存货融资，需还清余额解约后才有可能准入订单贷款；解约后预计10个工作日左右生效。</span></p></td>
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<td rowspan="2" height="88" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">放贷</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">放款账户</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);"><strong>1、淘宝个人店铺：</strong><span style="font-size: 14px; font-family: 微软雅黑, "Microsoft YaHei"; background-color: rgb(255, 255, 255);">支持放</span><span style="font-size: 14px; font-family: 微软雅黑, "Microsoft YaHei"; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; background-color: rgb(255, 255, 255);">款到店铺绑定的支付宝账户和</span><span style="font-size: 14px; font-family: 微软雅黑, "Microsoft YaHei"; background-color: rgb(255, 255, 255);">网商二类户或一类户</span>；</span><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);"><strong>2、淘宝企业店铺：</strong><span style="color: rgb(0, 0, 0); -webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; font-family: 微软雅黑, "Microsoft YaHei"; background-color: rgb(255, 255, 255); font-size: 14px;">可放款至店铺绑定的支付宝账户</span><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; background-color: rgb(255, 255, 255);">、企业结算户（仅PC端可操作</span>；</span></span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);"><strong>3、天猫企业店铺：</strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);"><span style="font-family: "Microsoft Yahei", Helvetica, Arial, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);">可放款到</span><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); box-sizing: border-box; font-family: "Microsoft Yahei", Helvetica, Arial, sans-serif; font-size: 14px; background-color: rgb(255, 255, 255);">店铺绑定的主支付宝账户（不可转账和支付）、也可放款到店铺关联企业支付宝账户（可转账和支付）、企业结算户（仅PC端可操作）</span></span></span></p></td>
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<td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">放款到账时间</span><br></td>
<td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">放款到支付宝或网商银行账户一般3分钟左右到账，具体到账时间以实际情况为准。</span></td>
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<td rowspan="5" height="198" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">还款</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">入口</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">loan.mybank.cn</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">还款账户</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><p><span style="color: rgb(0, 0, 0);"><span style="font-family:Microsoft Yahei, Helvetica, Arial, sans-serif"><span style="font-size: 14px; background-color: rgb(255, 255, 255);">支持店铺绑定的个人/企业支付宝账户（余额、余额宝、支付宝绑定银行卡）和网商银行（活期余额）渠道扣款。<br></span></span><span style="color: rgb(0, 176, 240);"><strong><span style="font-family:微软雅黑, Microsoft YaHei"><span style="font-size: 14px;">注意：</span></span></strong></span><span style="font-family:微软雅黑, Microsoft YaHei"><span style="font-size: 14px;"> 具体还款账户及扣款渠道请以页面显示为准噢。</span></span></span></p></td>
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<td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">还款时间</span><br></td>
<td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">随借随还，按日计息，具体以贷款申请页面及合同展示为准</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">按期还款</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">买家确认收货系统自动扣款还款，同时若获贷期间店铺未来应收账款发生较大波动，无确认收货交易时，系统也可能会进行自动扣款。</span></td>
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<td height="22" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;"><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">逾期还款</span></td>
<td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;"><p><span style="color: rgb(0, 0, 0);"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">扣款时间：</span></strong></span><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">建议在还款日前一天充值足够金额至支付宝余额、余额宝，还款日当天系统会自动扣取还款。 </span></p><p><span style="color: rgb(255, 0, 0);"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px;">特殊情况：</span></strong></span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">支付宝的资金渠道扣款顺序，如果用户自己设置过支付顺序以用户设置的支付顺序为准。具体的扣款顺序请以页面展示为准。</span></p><p><span style="color: rgb(0, 0, 0);"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">逾期影响：</span></strong></span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（1）会按照正常利率的1.5倍计算罚息；</span></p><p><span style="font-family: 微软雅黑, "Microsoft YaHei"; font-size: 14px; color: rgb(0, 0, 0);">（2）会影响后续的贷款，同时会影响个人或企业的信用记录</span></p></td>
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