Huabei Borrowing, as two important financial products under Alibaba, has always attracted much attention. Recently, it has been reported that the loan amount of these two platforms has increased significantly, which has aroused the attention and doubts of consumers. So, what's going on here? 
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. We need to understand that the quota adjustment of Huabei and borrowing is not arbitrary, but is calculated through a complex set of risk control models. This model will comprehensively consider the user's credit history, consumption behavior, repayment ability and other factors to determine the user's borrowing amount. Therefore, if there is a significant increase in quota, it may be because the performance of users in the above aspects has improved, or the platform has adjusted the risk control model. 
We also need to note that while the increase in the quota may bring more convenience to consumers, it may also bring higher debt risk. Therefore, while enjoying the convenience brought by the quota increase, consumers also need to improve their financial management capabilities and avoid the debt risk caused by excessive borrowing. For the platform, the increase in quota may also be one of its strategies to expand its market share. By increasing the borrowing limit, it can attract more consumers to use its products, thereby expanding its market share. However, the success of this strategy depends on consumer acceptance and market feedback. 
We also need to note that although the quota adjustments of Huabei and Borrower are based on big data and risk control models, this does not mean that they are completely accurate. In actual use, the quota may be too high or too low. Therefore, consumers also need to make rational decisions based on their actual situation when using these products. 
The "big reform" of Huabei and Borrowing, the quota has skyrocketed, which may be the result of a combination of factors. In this regard, consumers need to be rational, not only to enjoy the convenience it brings, but also to improve their financial management capabilities and avoid the risks caused by excessive borrowing. At the same time, the platform also needs to do a good job of risk control while expanding market share to ensure the healthy development of products.