In today's Internet era, almost all young people are using mobile payment, and more than eighty percent of them have more or less used Internet credit services, the most well-known is Alipay's Ant Huabei and Ant Borrowing. Now, with the continuous improvement of Internet finance, Alipay has also officially announced the shutdown standard of Huabei Borrowing, once it touches these Huabei Borrowing, it will face the risk of derating or being shut down.
If there is no rise of mobile payment, Huabei will have no payment scene, and there will be no way to talk about borrowing with it. Nowadays, Alipay and WeChat Pay have occupied more than 90% of the mobile payment market, and on the other hand, they also occupy a dominant position in the Internet financial credit market. Let's briefly list the services of Alipay and WeChat for your reference.
1. Ant Huabei:Abbreviated as Huabei, the emergence of Huabei satisfies the user's desire to repay after consumption, now whether it is online shopping is the first payment, almost all support Huabei payment, and wait until the next month's bill comes out to repay on time, the most attractive thing for users is that as long as Huabei repays the full amount on time, it will not generate any additional costs, and will not increase the user's consumption cost, which is the benefit of credit in the Internet era.
Second, the ant borrowed:That is, borrowing, although it is the same as Huabei is to provide services on Alipay, users only need to meet the sesame points of more than 600 to have the opportunity to open and use, but Huabei can only be used for consumption payment, while borrowing can be directly withdrawn and used, which can meet the user's demand for cash. At the same time, users also need to pay the corresponding interest as the cost of using cash, ranging from a few hundred to two hundred thousand, which is very convenient for occasional emergencies.
3. Good gold bag:Although the good gold bag is provided on WeChat through the public platform, but in essence it is not much different from borrowing, all of which belong to the credit services of the Internet era, and they are also based on the credit use of sesame credit score of more than 600, users can directly take the initiative to apply according to their needs, and the limit has been increased to 20,000 to 200,000.
It can be seen that there are more and more services similar to Huabei Borrowing, but although there is little difference in function and nature, there is still a big gap in many details. For example, if Huabei borrowing is reduced or shut down, other services will not also shut down the user's quota, mainly because their management mechanism is different, let's summarize several important shutdown mechanisms or standards of Huabei borrowing.
First, Huabei borrowing is based on sesame credit scores, and when sesame points drop significantly, it will directly affect the amount of Huabei loans. The decline in sesame points is composed of many factors, and it is not necessarily a problem with the user's credit, such as users rarely use Alipay to pay, pay bills, repay credit cards, etc., which will lead to the decline of Alipay's sesame points.
Clause. Second, many users will take into account that the interest of the borrowing is calculated according to the number of days, so only use the borrowing when needed, and the arrears of the borrowing will be repaid in full immediately after the turnover is completed, which is not a problem in itself, and the use specifications of the borrowing also make it clear that users can repay in advance. However, in practice, this is not the case, and frequent early repayments will cause merchants to not earn overdue interest charges, so they will also close the user's borrowing limit.
Third, in the derating or shutdown mechanism of Huabei borrowing, there is another one that is the most deadly, that is, the financial status of users, especially the debt ratio. When the user's debt ratio rises to a certain extent, it will also trigger the Huabei borrowing and derating shutdown mechanism, if it is because of this reason, then it is difficult to solve, because it is now the era of Internet big data, and our financial situation is naked in front of financial institutions. The only solution is to borrow money from relatives and friends to repay part of the personal line of credit in order to reduce the amount of debt that can be traced.
The above are Alipay's main shutdown standards, Alipay has been officially announced, I don't know if you are among them?I hope everyone is not among them, if there are still debts, you must plan the financial situation of the funds, pay off as soon as possible, and go ashore as soon as possible. If you encounter other shutdowns, you are also welcome to leave a message to discuss.