In today's society, Internet financial products have become an indispensable part of people's lives. As two popular products, Huabei and Borrowbei have naturally attracted the attention of the majority of users due to their review mechanisms. So, what is the review mechanism of Huabei borrowing? Why are some users' accounts inexplicably deactivated? This article will reveal these doubts for you.
Let's take a look at Huabei and Borrowing. Huabei is a consumer credit product launched by Ant Financial, a subsidiary of Alibaba Group, which allows users to use Huabei to pay in installments when shopping on platforms such as ** and Tmall, and enjoy the service of spending first and repaying later. Borrowing is a cash loan product launched by Ant Financial, which allows users to apply for loans at any time to meet temporary funding needs.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient.
How does the review mechanism of Huabei and borrowing work? In fact, this is mainly due to Ant Financial's powerful big data risk control technology. When a user applies to open Huabei or borrow, the system will automatically assess the user's credit status. This evaluation process mainly includes the following aspects:
1.Basic information authentication: including real-name authentication, ID card information, bank card binding, etc., to ensure the authenticity of the user's identity.
2.Credit score: The system will conduct a comprehensive score based on the user's consumption record, repayment record, overdue situation and other dimensions in Alipay to judge the user's credit status.
3.Social relationship analysis: Through the analysis of users' interactions on social platforms, we can understand users' interpersonal relationships and judge their credit risk.
4.Other factors, such as the user's educational background and employer, will also be included in the evaluation.
Through the comprehensive evaluation of the above four aspects, the system will give a credit score, and decide whether to give the user the permission to open Huabei or borrow, as well as the size of the credit line, according to the score.
Although the review mechanism of Huabei and Borrowing seems to be perfect, there are still some users who report that their accounts have been inexplicably deactivated. Why?
In fact, there can be many reasons why an account may be deactivated. First of all, it may be because the user's credit status has changed, such as bad credit records such as overdue repayment and credit card arrears, resulting in a decline in credit scores, which affects the use of Huabei and Borrow. In addition, if a user has violations, such as cashing out or maliciously overdue, the system will also determine that the user is a high-risk user, and then take deactivation measures.
Of course, in addition to the above reasons, there may also be system misjudgments. Although big data risk control technology has been quite mature, there are still certain errors. If you are confident that you have a good credit profile, you can try to resolve the issue by contacting customer service to file an appeal.
As Internet financial products, the review mechanism of Huabei and Borrowbei mainly relies on big data risk control technology, and comprehensively evaluates the user's multi-dimensional information to ensure that the credit risk is controllable. However, the user's account may be deactivated for various reasons. Therefore, it is recommended that users maintain a good credit record and comply with relevant regulations during use to avoid unnecessary trouble to themselves.