In modern society, with the rapid development of Internet technology, mobile payment has penetrated into people's lives. Huabei, as a consumer application fund product under Alipay, has been loved by the majority of users by virtue of its convenient and fast characteristics. However, the recent news on the Internet that "Huabei is about to attack the following three types of people, close accounts, and recover loans" has aroused widespread attention and discussion. What's going on here? Let's do it.
The first category of people mentioned in the rumors refers to those users who frequently overdue their payments. In fact, not only Huabei, but any financial institution will be highly vigilant against such users. Credit is the basis of financial activities, and if users are unable to repay their loans on time, then financial institutions will face greater risk losses. Therefore, it is reasonable for financial institutions to take certain punitive measures against users who are often overdue or even maliciously defaulting.
But many netizens said that it doesn't matter if it's closed, anyway, the amount given is not high, 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
The second group of people are those users who use Huabei for illegal transactions. The original intention of Huabei is to facilitate the daily consumption of users and provide certain application financial support. But if it is used for illegal transactions, such as money laundering, cash-out, etc., it is obviously a violation of the rules of the platform and a violation of the law. For such behavior, Alipay has the right and obligation to take measures to protect the normal operation of the platform and the interests of other users.
The third group of people refers to those users who use Huabei to overspend and exceed their ability to repay. While Huabei offers a convenient application for funding services, it is not a bottomless pit. Users should do what they can when using Huabei to avoid financial difficulties due to excessive consumption. In the long run, this will not only affect an individual's credit history, but can also lead to the accumulation of debt, which can eventually lead to self-extrication.
Is the "shutting down the account and recovering the loan" in these rumors true? In fact, it's more of a warning or reminder. Huabei, like other financial institutions, will protect its own interests through certain risk control measures, and at the same time maintain the stability of the financial market. For those users who violate the rules, measures such as restricting use, increasing interest, and requesting early repayment may be taken.