As a consumer application fund service product under Alipay, the borrowing and repayment rules of "Borrow" are subject to national laws and regulations as well as the company's own policies.
Next, let's analyze the plausibility of this statement. Traditional banks and financial funding agencies generally adopt a loan-by-loan management approach, which means that each application fund exists independently, and even if one of the loans is overdue, it usually does not affect other loans that have been approved but not yet disbursed. Of course, overdue can affect the user's credit history and may adversely affect subsequent borrowing applications.
But many netizens said that it doesn't matter if it's closed, the amount given is not high anyway, and now many people are using the gold on WeChatCow flowersCome instead of borrowing Huabei, the amount given is high and convenient, if you have a small partner who knows or has already opened it, leave it for comment, let everyone open it.
Then, for borrowing, if the rule of "once it is overdue, the remaining loan will be fully recovered" is really implemented, it will be a rather aggressive strategy. It will not only put huge pressure on the cash flow of users, but also increase the risk of financial institutions themselves, because sudden large-scale borrowing may lead to the risk of breaking the capital chain.
From the perspective of user experience, such strict regulations will undoubtedly lead to user dissatisfaction and a crisis of trust. The reason why Internet financial products are popular with the majority of users is precisely because they provide a more flexible and convenient borrowing experience. If such extreme measures are taken, it will undoubtedly deviate from the original purpose of applying for funds on the Internet.
Considering the competitive landscape of the market, major internet financial platforms are constantly optimizing their services and lowering the threshold to attract and maintain customers. In this context, if an institution adopts an overly strict borrowing policy, it is likely to lose its competitive advantage and lose its user base, which is not a wise move for any company that wants to grow in the market for a long time.
It is worth mentioning that with the development of financial technology, many funding application platforms have begun to use big data and artificial intelligence technology to refine risk management. This means that for different users, the platform can adopt a differentiated application funding strategy. For example, for users with a good repayment history, the platform may offer more favorable borrowing terms;For users who are often overdue, the borrowing policy may be tightened. Such intelligent management methods can not only ensure the asset security of the platform, but also reduce the potential negative impact caused by unreasonable rules to a certain extent.
We can draw a relatively objective conclusion: the statement on the Internet that "as long as the user is overdue, the remaining loans will be fully recovered" on the Internet lacks sufficient factual basis, and from the perspective of actual operation and market logic, it is not feasible. As users, we should maintain sober judgment, not trust unverified information, and at the same time actively maintain our credit records and use Internet financial services rationally.