The credit guarantee line is a trade security guarantee and service provided by Alibaba International Station to help buyers and sellers solve the trust problem in the transaction process. Alibaba International Station considers that the deposit of large-scale cross-border trade (category B) will seriously affect the capital turnover. In order to enable Chinese high-quality suppliers to better go global, better gain the trust of buyers, and solve the problem of capital turnover of suppliers, Alibaba International Station evaluates a credit guarantee line based on the enterprise qualifications and real trade data of Alibaba International Station suppliers. Within the credit limit, the loan can be disbursed in advance. The most important reference factor for the credit line assessment is the operating ability and credit status of the supplier that Alibaba can verify. The increase of the credit guarantee line is a gradual process that requires long-term accumulation. The credit line will be updated on the 10th of each month in China time.
The factors affecting the credit guarantee line are as follows:
(1) The basic situation of the supplier, such as industrial and commercial certification information, corporate integrity rating, years of cooperation with Alibaba, platform operation performance, etc.
(2) The operating ability of the supplier, which can be evaluated by referring to the trade flow (examining the trade flow of the past 180 days).
(3) The credit status of the supplier, which can be referred to the violation penalties and accumulated deductions in Alibaba International Station (deductions will lead to a reduction in the credit guarantee limit. If the score exceeds a certain value or there are other major violations, the service will not be available.
(4) Other information, such as the credit status of the enterprise and legal representative, dispute resolution, etc.