In today's increasingly developed digital finance, Huabei and Borrow, as the two major consumer credit tools under Alibaba, have been favored by many users. However, some users may find that their accounts have been inexplicably deactivated, what is the reason behind this and the moderation mechanism? This article will delve into this issue.
First of all, we need to understand the review mechanism of Huabei and borrowing. The two platforms mainly assess the credit profile of users through big data analysis and machine learning techniques. The system will comprehensively consider the user's shopping behavior, payment history, repayment history and other relevant personal information to build a multi-dimensional credit scoring model. For example, if a user frequently shops at **, repays on time, and has no overdue records, his credit score will naturally be higher.
But there are many netizens who said that it doesn't matter if Huabei is closed, anyway, the amount given is not high, and many netizens have recently found that the tap flower on WeChat *** can be borrowed instead of Huabei, and the amount given is high and convenient.
Then, when a user applies to open or increase the limit, the system will decide whether to approve it based on this credit score. This process is like an invisible sieve, constantly screening out users who meet the requirements. In addition, in order to ensure risk control, the system will also regularly review existing accounts to ensure the health of the accounts.
So, why are some accounts deactivated? There are usually several reasons for this. One is the decline in credit scores, which may be due to the fact that users have overdue repayments, or they have frequently applied for loans and increased financial burden. The second is abnormal behavior of the account, such as frequently changing personal information such as bound mobile phones and addresses, and the system may judge that there is a security risk and suspend the service. The third is policy adjustment, as the country's supervision of the Internet finance industry becomes stricter, the platform may adjust the user qualification standards according to the latest policy.
In the case of Zhang Ming, he frequently applied for quota increases over a period of time and had one or two short-term overdue records, which caused his credit score to plummet, and eventually his account was temporarily suspended. After receiving the notice, Zhang Ming immediately paid off the arrears and learned the specific reason for the suspension through customer service. After improving his credit behavior, his account was restored.
To sum up, the review mechanism of Huabei and borrowing is a complex and dynamic process, which involves the accumulation of personal credit history and real-time risk assessment. For users, maintaining good credit behavior and using credit tools reasonably can ensure that they will not face the dilemma of having their accounts deactivated. At the same time, once the account is deactivated, timely communication with customer service and corresponding measures can often solve the problem and regain the convenience of credit services.