汉英对照:
Chinese-English Translation:
网商贷是支付宝网商银行旗下产品，针对小微企业和个人创业者推出的个人经营贷款，借款人成功申请网商贷后，可以将贷款资金用于店铺经营。申请网商贷不需要任何抵押、担保，贷款资金支持放款到借款人的支付宝账户、绑定的银行卡或网商银行账户中。
Net business loan is a product of Alipay internet bank, which is a personal business loan for small and micro businesses and individual entrepreneurs. After successful application for net business loan, the borrower can use loan funds for store operation. The application for net business loan does not require any mortgage or guarantee, and loan funds support the loan to the borrower’s Alipay account, the binding bank card or the network bank account.
网商贷是支付宝网商银行旗下产品，针对小微企业和个人创业者推出的个人经营贷款，借款人成功申请网商贷后，可以将贷款资金用于店铺经营。申请网商贷不需要任何抵押、担保，贷款资金支持放款到借款人的支付宝账户、绑定的银行卡或网商银行账户中。
Net business loan is a product of Alipay internet bank, which is a personal business loan for small and micro businesses and individual entrepreneurs. After successful application for net business loan, the borrower can use loan funds for store operation. The application for net business loan does not require any mortgage or guarantee, and loan funds support the loan to the borrower’s Alipay account, the binding bank card or the network bank account.
网商贷定义性质是和之前的借呗一样的，均是一项支付宝金融贷款产品。网商贷的服务对象就是支付宝用户，其主要是为支付宝用户提供快速的贷款服务，其利息非常低。日利率 0.018%,其贷款利率在目前金融产品当中是非常非常低的，对于急于小额贷款的朋友来说是一大福利。
The definition of net business loan is the same as before, and it is a product of Alipay financial loan. The users of net business loan are Alipay users, whose main purpose is to provide Alipay customers with fast loan service, and their interest is very low. The daily interest rate is 0.018%, and its loan interest rate is very low among the current financial products, which is a great benefit for those who are eager to make small loans.
网商贷是类似与借呗一项金融服务功能，可以实现支付宝贷款，网商贷是是针对阿里体系里的纯信用个人经营贷款，其无抵押、免担保，利率大大低于市场同类产品的特点的金融服务，可以实现快速解决资金难题，稳健开发市场功能。
Net business loan is a kind of financial service function similar to that of borrowing money. It can realize Alipay loan. Net business loan is aimed at the pure credit personal business loan in Ali system. Its unsecured, free guarantee and interest rate are much lower than the financial services of the similar products in the market. It can solve the fund problem quickly and develop the market function steadily.
名为“网商贷高级版”的互联网金融业务，并不是阿里向中小企业直接发放贷款，而是由中国银行、建设银行、招商银行等银行向中小企业提供贷款服务，阿里则根据自己的大数据能力，向银行提供贷款企业的订单、交易等关键信息，帮助有实力的中小企业快速获得银行贷款。
The Internet finance business named “advanced version of e-commerce loan” is not Ali’s direct loan to small and medium-sized enterprises, but the loan services provided by the Bank of China, China Construction Bank, China Merchants Bank and other banks to small and medium-sized enterprises. According to Alibaba’s big data capabilities, Ali provides the banks with key information such as orders and transactions of loan enterprises, so as to help powerful small and medium-sized enterprises to quickly obtain loans Get a bank loan.
据悉，这一业务将率先提供给阿里外贸出口平台一达通，外贸出口企业将借助一达通渠道快捷地申请和获得贷款；随后，这一业务有可能陆续向淘宝和天猫商户开放。
It is reported that this business will be first provided to yidatong, Alibaba’s foreign trade export platform, and foreign trade export enterprises will use yidatong channel to quickly apply for and obtain loans; subsequently, this business may be opened to Taobao and tmall merchants in succession.
尽管没有涉及揽储和放贷，但阿里通过大数据能力参与了向企业提供贷款服务的核心过程，因此“网商贷高级版”和银行提供的贷款服务非常相似。
Although it doesn’t involve collecting deposits and lending, Ali participates in the core process of providing loan services to enterprises through big data capabilities, so the “advanced online business loan” is very similar to the loan services provided by banks.
