What are the five types of service users of online merchant banks?

Online merchant banks mainly face the following five types of service users: Ali enterprises, individual industrial and commercial households, corporate customers, individual customers and other customers.

1. Ali Company: All subsidiaries and partners of Alibaba Group conduct fund management, financing, lending and settlement through the services of online merchant banks.

2. Individual industrial and commercial households: including merchants on platforms such as Taobao, Tmall and Alipay, as well as independent individual industrial and commercial households. Online merchant bank provides specialized financial services for small and micro enterprises, including merchant loans, tax services and supply chain finance.

3. Corporate customers: including small and medium-sized enterprises and large enterprises. Online merchant banks provide a series of financial services such as corporate loans, financing, settlement, investment and wealth management.

4. Individual customers: Online merchant banks provide personal deposit, transfer, wealth management, consumer finance and other services to meet the financial needs of individual customers.

5. Other customers: including government agencies, institutions, social groups and other organizations. Online merchant banks provide professional public services, including fund management, financial management, payment and settlement, etc.