<link href="https://a.alipayobjects.com/kbase-static/2.4.7/pc.css" rel="stylesheet" charset="utf-8"><div class="csp-ck-article"><table cellpadding="0" cellspacing="0"> <colgroup> <col width="72" span="2" style="width:72px"> <col width="545" style=";width:545px"> </colgroup> <tbody> <tr height="22" style="height:22px" class="firstRow"> <td colspan="2" height="22" style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);" width="142.33333333333334"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">类型</span></strong></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);" width="505.33333333333337"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">具体内容</span></strong></td> </tr> <tr height="22" style="height:22px"> <td rowspan="7" height="198" style="border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">基本信息</span></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">产品介绍</span></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0);" width="505.33333333333337"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">淘宝天猫信用贷款是商城店铺卖家以企业名义申请，用于淘宝店铺的经营和推广的融资渠道</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">开放地区</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">中国大陆大部分地区，具体以页面显示为准</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">会员类型</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">企业店铺卖家</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">授信额度</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">页面显示为准</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">贷款利率</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">具体以页面显示利率为准</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">贷款期限</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">&nbsp;6个月</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">贷款模式</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">按月付息，到期还本</span></td> </tr> <tr height="22" style="height:22px"> <td rowspan="4" height="264" style="border-top-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">申贷</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">申贷账号</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="505.33333333333337"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">店铺绑定的企业支付宝账户</span></td> </tr> <tr height="44" style="height:44px"> <td height="44" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">支付宝账户状态要求</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">完成实名认证，即完成银行打款认证和身份证彩照双面认证</span></td> </tr> <tr height="66" style="height:66px"> <td height="66" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">申贷账户认证要求</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、 支付宝账户V2等级<br>2、淘宝账户完成商家认证</span><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);"><br></span></td> </tr> <tr height="132" style="height:132px"> <td height="132" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">申请条件</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">1、截止申贷日店铺最近6个月，每个月都有有效交易量；<br>2、系统审核店铺整体经营情况综合评估（比如：在淘宝上是否有处罚记录，是否有虚假交易，是否虚拟类目产品，是否有侵权行为，产品满意度、动态评分、退款情况、在蚂蚁微贷或其他金融机构有无不良信用记录等等）。<br>3、主体相关信息变更之后需要观察一段时间才能准入<br>4、基本资质需满足：合约有效期内</span></td> </tr> <tr height="44" style="height:44px"> <td rowspan="3" height="154" style="border-top-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">放贷</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">放款账户</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="505.33333333333337"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">店铺绑定的企业支付宝账户，需要完成商家认证。不能放贷到关联支付宝账户<br>一般获贷签署了合同，3分钟放款到支付宝。</span></td> </tr> <tr height="44" style="height:44px"> <td height="44" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">合同签订有效期</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">24小时</span></td> </tr> <tr height="66" style="height:66px"> <td height="66" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">不签署合同再次申请贷款的时间</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">24小时内未签署合同，需重新尝试申请。</span></td> </tr> <tr height="22" style="height:22px"> <td rowspan="9" height="277" style="border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">还款&nbsp;</span></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">入口</span></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0);" width="505.33333333333337"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">loan.mybank.cn</span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">还款账户</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, 'Microsoft YaHei'; font-size: 14px;">店铺绑定且完成企业实名认证的支付宝账户</span></span></td> </tr> <tr height="22" style="height:22px"> <td height="22" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">还款日</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">合同到期日的前一天，只能是每个月的1-28号</span></td> </tr> <tr height="44" style="height:44px"> <td height="44" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">按期还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; 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></td> </tr> <tr height="66" style="height:66px"> <td height="66" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">提前还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">1、无提前还款手续费<br>2、充值足够金额到绑定的还款支付宝账户<br>3、需要去前台页面手动操作提前还款</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="3" height="57" style="border-top-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">逾期还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">1、会影响贷款申请人的个人信用、产生罚息、并且会影响后续贷款申请</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">2、建议在当天完成还款</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">3、建议您下次在还款日前一天完成还款渠道的资金充值，以保障按期还款，避免逾期。&nbsp;&nbsp;</span></td> </tr> <tr height="44" style="height:44px"> <td height="44" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">罚息计算公式</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="19.000000000000014"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">逾期账单金额（逾期本金加利息）*利率*1.5*逾期天数（不计算当天）</span></td> </tr> </tbody> </table></div>