In today's society, with the development of Internet finance, more and more consumers choose to use credit payment tools such as Huabei and Borrowbei to meet their consumption needs. However, many users have little idea about the moderation mechanism of these tools and the reasons for account deactivation. Today, let's unveil this mystery together and gain an in-depth understanding of the review mechanism of Huabei and Borrow, as well as the reasons behind account deactivation. 
Let's take a look at the review mechanism of Huabei and Borrowing. As Alipay's credit payment tools, Huabei and Borrow's review mechanism mainly relies on the user's credit score. The credit score is comprehensively assessed based on the user's consumption record, repayment record, real-name authentication and other factors in Alipay. When a user applies to open Huabei or Borrow, the system will automatically review the user's credit score, and if the score meets the standard, the user can successfully open and use these functions. 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. 
Why are some users' accounts inexplicably deactivated? There are many reasons for this. First of all, a user's declining credit score can be the main reason for account deactivation. When users have bad credit behaviors such as overdue repayment and frequent loan application, the credit score will be affected, which will lead to the suspension of the use of Huabei and borrowing functions. In addition, changes to a user's personal information may also result in account deactivation. For example, if a user changes information such as a mobile phone number or bank card, and if it is not updated in Alipay in a timely manner, the system may consider it risky and suspend the relevant functions. 
Of course, in addition to the reasons mentioned above, there are a few other factors that can lead to account deactivation. For example, the Alipay platform may conduct a risk assessment of the user in accordance with national policies and regulatory requirements, and if the assessment results show that the user has potential risks, the platform may take measures to suspend the account. In addition, Alipay will also conduct risk checks on users on a regular basis, and once abnormal transactions and illegal operations are found, the platform will also suspend relevant accounts in order to protect the rights and interests of other users. As a user, how can we avoid account deactivation? First of all, we need to develop good credit habits, repay the loan on time, and avoid overdue. Secondly, we need to update personal information in a timely manner to ensure that the information in Alipay is accurate. Finally, we must abide by the regulations on the use of Alipay, and do not participate in illegal transactions, malicious cash-out, etc. The review mechanism of Huabei and Borrower mainly depends on the user's credit score, and the reasons for account suspension may include a decline in credit score, changes in personal information and other factors.