Recently, Huabei launched the latest shutdown standards, which sparked heated discussions among netizens. Some netizens said that they "stepped on the pit", while others said that they were not affected. So, what kind of impact will Huabei's new deal have on us?
We need to understand what Huabei is. Huabei is a credit-based consumer financial product launched by Alibaba Group, which allows users to use Huabei to make installment payments or deferred payments when shopping. The emergence of Huabei has brought great convenience to our shopping life.
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.
There are two sides to everything. Although Huabei is convenient, it may also lead to overconsumption by some users, or even overdue payments. In order to protect the rights and interests of consumers and prevent consumers from becoming over-indebted, Huabei decided to introduce new shutdown standards.
According to the new rules, if a user fails to repay the loan for three consecutive months, or if the overdue amount exceeds a certain amount, Huabei will close the user's account. This means that once your Huabei account is closed, you will no longer be able to use Huabei for installment payments or deferred payments.
This is undoubtedly a big blow to some users who often use Huabei. Because they may have become accustomed to using Huabei for shopping, and suddenly losing this tool may have a certain impact on their lives.
However, for some users who are able to control themselves and consume rationally, this will not have much impact. Because they won't overconsume just because they have Huabei, and they won't be unable to live because Huabei is closed.
Huabei's new policy is also a kind of protection for consumers. By setting shutdown standards, it is effective to prevent consumers from becoming over-indebted and unable to repay. This is an effective constraint for some users who are prone to impulsive spending.
The impact of Huabei's new policy on us is two-sided. For some users who often use Huabei and can't control themselves, it may have a certain impact. But for some users who consume rationally, the impact is not great.
We should treat Huabei with a more rational attitude, both to make full use of the convenience it brings to us, but also to avoid getting into trouble due to excessive consumption. Only in this way can we enjoy the convenience brought by Huabei while also protecting our own rights and interests.