Recently, Alipay announced that it would close its credit services Huabei and Borrowbei on a large scale, which undoubtedly brought great shock to users. As Alipay's two major financial service products, the suspension of Huabei and Borrowbei has not only affected users' consumption patterns, but also has a potential impact on users' credit records. In the face of this sudden change, users want to avoid the impact of this retirement.
1. Reason for discontinuation.
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 the quick use of Beibei on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient, if there are friends who know or have opened it, leave it for comments, let everyone open it.
Alipay said that the large-scale closure of Huabei and borrowing services is to respond to regulatory policy requirements, strengthen risk management, and promote the healthy development of the financial market. Although this move has caused a lot of inconvenience to users, it also reflects Alipay's sense of social responsibility and respect for the market environment as a fintech company.
2. User concerns.
In the face of the suspension of Huabei and borrowing services, the issues that users are most concerned about are mainly concentrated in the following aspects:
How to deal with arrears: Users are generally concerned about how their arrears will be disposed of and whether there is a possibility of automatic transfer to the new service.
Impact on credit history: Users are concerned that the suspension of the service will have a negative impact on their credit history, which may affect future loan applications.
Alternative Search: Users want to be able to find out if Alipay offers alternatives or other credit service options.
3. Countermeasures.
In order to avoid users being affected by this suspension, Alipay officially said that it will take the following measures:
Provide new credit services: Alipay may introduce new credit services to replace Huabei and Borrow, ensuring that users can continue to enjoy convenient financial services.
Assist in formulating repayment plans: For users who are temporarily unable to repay, Alipay will assist in formulating a reasonable repayment plan to ensure that users can complete repayment on time.
Penalty interest reduction: For users who are unable to repay the loan on time due to service discontinuation, Alipay will reduce the relevant penalty interest as appropriate.
IV. Conclusion. In summary, although Alipay's large-scale closure of Huabei and borrowing services has brought some trouble to users, it also reflects the company's sense of social responsibility and respect for the market environment. We believe that with the efforts of Alipay and the support of the majority of users, related problems will be properly resolved, and the credit market will usher in a more healthy and stable development. At the same time, we also call on users to use credit products rationally, abide by relevant regulations, and jointly maintain a good financial market order.