<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" width="855" style="width: 721px;"> <colgroup> <col width="72" span="2" style="width:72px"> <col width="410" style=";width:411px"> </colgroup> <tbody> <tr height="19" style="height:19px" class="firstRow"> <td colspan="2" height="19" style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">参数&nbsp;</span></strong></td> <td style="border-left-style: none; border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">具体内容</span></strong></td> </tr> <tr height="38" style="height:38px"> <td rowspan="3" height="76" 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;">基本信息</span></td> <td 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;">授信额度</span></td> <td 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;">信用贷款的额度根据店铺信用等级，综合经营情况和实力等数据由系统直接综合判定的，具体以页面显示为准</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;">贷款利率</span></td> <td 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;">具体以页面显示为准</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;">贷款期限</span></td> <td 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;">单笔最长12个月</span></td> </tr> <tr height="38" style="height:38px"> <td rowspan="7" height="171" 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;">申贷</span></td> <td 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;">支付宝账户认证要求</span></td> <td 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;">V2</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="6" height="133" 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;">申请条件</span></td> <td 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;">1) &nbsp; 国际站会员</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;">2)开放地区：全国(除淘宝贷款不开放的区域外,基本上可以算全国)</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" 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;">3) 速卖通店铺最近6个月持续有效经营，每个月都有有效交易量，经营情况良好</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;">4) 诚实守信，店铺信用记录良好</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;">5) 店铺注册人年龄在20-60周岁</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;">6)2016年4月28日起，速卖通贷款只开放企业用户</span></td> </tr> <tr height="38" style="height:38px"> <td rowspan="2" 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;">放贷</span></td> <td rowspan="2" 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;">放款</span></td> <td 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;">与店铺绑定的经实名认证的注册人的V2类支付宝账号（一般是速卖通认证时使用的支付宝），如果没有对应的支付宝需要先绑定支付宝账户</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;">签订合同后3分钟左右放款，从款项到账当天开始计算利息</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="12" height="266" 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;">还款</span></td> <td 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;">入口</span></td> <td 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;">loan.mybank.cn</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;">还款账户</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><p><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">同贷款放款账户</span></p></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;">还款方式</span></td> <td 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;">等额本金</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;">提前还款</span></td> <td 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;">1、随借随还，无手续费</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;">2、充值足够金额到绑定的还款支付宝账户</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;">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 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;">按期还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);"><p><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;"></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><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，还款日当天点系统会自动扣取还款。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">部分客户支持使用支付宝绑定的储蓄卡、网商银行活期余额及余利宝扣款，具体扣款渠道以页面显示为准。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><br></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;"></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="color: rgb(255, 0, 0);"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">温馨提示：</span></strong></span><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">支付宝余额、绑定的储蓄卡、余额宝的扣款顺序以还款账户在支付宝APP中设置的支付顺序为准。</span></p></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;">逾期还款</span></td> <td 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;">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;">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;">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="38" style="height:38px"> <td height="38" 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;">罚息计算公式</span></td> <td 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;">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> <tr height="38" style="height:38px"> <td height="38" 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;">逾期扣款账户</span></td> <td 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;">正常还款支付宝账户&gt;关联认证支付宝账户，具体触发时间以系统评估为准</span></td> </tr> </tbody> </table></div>