As representatives of modern Internet financial products, the popularity of Huabei and Borrowbei is obvious to all. So, what is the reason why they can occupy a place in the hearts of many netizens? How many people really understand the mystery of this? What we must realize is that the emergence of Huabei and borrowing has met people's demand for liquidity. In modern society, whether it is shopping, traveling, or responding to emergencies, people's needs for funds are immediate and changeable. As a credit payment tool, Huabei allows users to spend first and repay later, which greatly improves the liquidity of funds. Borrowing, on the other hand, provides a quick way to borrow, allowing users to quickly get support when they need funds. 
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. Further, Huabei and Borrowbei are also popular because they provide a kind of "non-sense" financial services. In the process of use, users do not need to face complex financial processes and cumbersome procedures, and all operations can be easily completed on the mobile phone. This convenience undoubtedly lowers the threshold for people to use financial services, so that more people can enjoy the convenience brought by financial services. 
The popularity of Huabei and Borrowbei also benefits from the strong technical support behind them. Relying on modern technologies such as big data and cloud computing, these financial products can accurately assess the credit profile of users and provide personalized services. At the same time, they are also able to monitor transactions in real time to ensure the security of transactions. We can't ignore some of the controversies brought about by Huabei and Borrowing. Due to the lack of self-control, some users may over-rely on these financial products, resulting in heavy debt. Therefore, although Huabei and borrowing provide convenience to users, how to use them reasonably and avoid falling into debt traps is also an issue that users need to seriously consider. 
In this era of information, the success of Huabei and Borrowbei is not accidental. They are guided by user needs, constantly optimize the service experience, and also put great efforts into risk control. Their emergence has not only changed people's consumption patterns, but also brought new challenges and opportunities to the traditional financial industry. The reason why Huabei and borrowing can be loved by many netizens is that they meet people's needs for capital liquidity, provide convenient financial services, and continue to innovate in technology. However, how to maintain good financial habits while enjoying convenience is also a question that every user should think about. Only in this way can we maintain rationality while enjoying the convenience brought by science and technology, and achieve the harmonious coexistence of technology and life. 
The popularity of Huabei and Borrowbei is the result of a combination of factors. They are not just simple financial instruments, but also products of the development of the times, reflecting the new needs and expectations of contemporary society for financial services.