Recently, the news about the latest shutdown plan in March has caused heated discussions on the Internet, especially four categories of people who may encounter a lot of impact. This news is not only related to personal credit management, but also related to the regulatory dynamics of Internet finance, so it has attracted much attention. Let's find out what borrowing is. Borrowing is an Internet consumer credit product launched by Alibaba's Ant Group, which allows users to borrow and repay loans through a mobile app, and its convenience and speed have won the favor of a large number of users. However, as with any financial product, borrowing comes with convenience but also risks. 
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. According to the latest news, Ant Group announced that it will shut down the borrowing service for some users, in response to the requirements of regulatory authorities to strengthen risk management and protect consumer rights. The people who have the greatest impact from this decision are the following four groups: first, those users who rely on borrowing for short-term capital turnover; the second is the group of people who have poor credit records but maintain daily consumption through borrowing; third, users who frequently use borrowing and fail to repay in time; Fourth, freelancers or small and micro business owners who use borrowing as their main loan**. 
For the first group of users, they usually use borrowing because of temporary capital needs, and the shutdown means that they need to find other funding channels, which may cause some inconvenience to their lives or businesses. The second group of users has difficulty obtaining loans from traditional banks due to their poor credit records, and the closure of borrowing may cause them to face greater financial pressure. The third group of users who borrow frequently but fail to repay on time not only affects their credit scores, but can also fall into a vicious cycle of debt. Many of the fourth type of users are entrepreneurs and freelancers, who often do not have stable income and proof of assets, and borrowing is an important capital for them**, and once shut down, it may affect their production and business activities. 
The heated discussion among netizens about this mainly focused on speculation about the reason for the shutdown and worries about the future. Some people worry that this is a signal of the tightening of Internet finance, while others believe that this is the only way for the industry to standardize and develop healthily. It is undeniable that with the development of financial technology, personal credit management has become more and more important, and compliance operation has become a problem that major platforms must face. 
The shutdown plan has undoubtedly brought challenges to specific user groups, but in the long run, it is also a reflection of the tightening of the financial market and the increased awareness of the protection of the rights and interests of financial consumers. As users, we should be more rational about borrowing, develop good financial habits, and pay close attention to changes in financial policies to cope with various changes that may arise in the future. For financial institutions, how to provide innovative and considerate services under the premise of ensuring that risks are controllable will be a topic of continuous exploration.