After the Huabei account is included in the credit investigation, will it reduce the number of Huabe

Just after the Huabei account was included in the credit report, many netizens also expressed their opinions, for this month's Huabei, don't use it again after paying it back. Prevent a series of effects on your own life. In fact, it is also an inevitable impact on the reduction of Huabei users after the Huabei account is included in the credit investigation.

Because for today's people, they pay more attention to their own credit, and many people have avoided such an impact. <>

With the development of society, Huabei has entered the lives of more people. And it has also brought great convenience to their lives. But in fact, after being included in the credit report, it is actually the same as our previous Huabei, and it doesn't have a big impact, he's just targeting some malicious arrears and.

A series of corrective measures made by such people as late repayments. Because we all know that for current borrowing, it is all secured by its own credit. For such a thing, in fact, for a person who uses Huabei normally, it will not have a great impact, and it will also bring a certain amount of positive credit.

And for some people who are late in repayment or maliciously delaying their payments, in fact, they. will be included in the list of dishonest people, which will have a certain impact on their future lives. Because in our lives, things such as buying a house, buying a car, borrowing and other things need to go through a series of credit guarantees to be completed, and for such things, it can also be said to give them a way to regulate their own behavior, after all, everyone does not want their credit to be lost.

After all, for our own credit, it is still reflected in all aspects of our lives. <>

In fact, we should pay more attention to the fact that the inclusion of Huabei account in credit investigation is a beneficial impact, because it is more able to allow us to make reasonable consumption within a limited situation and strengthen our self-control. In fact, we should pay more attention to the fact that the inclusion of the Huabei account in the credit investigation is a beneficial impact, because it is more able to allow us to make reasonable consumption within a limited situation. Strengthen your self-control.

Individuals can provide Alipay and other relevant information,** to check whether their information has been connected to the central bank credit. Alipay customer service responds to ***, users can also inquire through Huabei-my-related contracts and product descriptions, if there is a "Personal User Information Inquiry and Submission Authorization Letter", it also means that the information has been accessed.

Alipay's customer service said that users need to take the initiative to check and agree before they will be credited. If you do not check "agree" and other operations, there will be no collection of credit information, and personal credit will still only belong to Sesame Credit. Therefore, the inclusion of Huabei accounts in credit will not reduce Huabei users.

No, it won't. Users will just be more restrained and pay attention when using it, after all, Huabei is still convenient.

No. Because the inclusion of credit information is to better standardize management, so that speculators have no chance to take advantage of it; Huabei itself is easy to use, and the threshold for application is low, which can help improve the living expenses of some users, so it will not reduce users.

No, because the vast majority of Huabei users are relatively normal operations, and there is nothing that can affect the credit investigation.

I think that after the Huabei account is included in the credit investigation, it will not reduce the number of Huabei users, because people nowadays pay more attention to current consumption, so when they have no money, Huabei is a good choice.

I don't think so, people nowadays attach great importance to credit, even if it is not included in the credit report, people who owe Huabei will pay back the money as usual.

I don't think so, the vast majority of people who use Huabei are not people without credit, and they will repay the loan on time.

Huabei is a first-class consumer financial service provided by Ant Financial to consumers to "buy this month and pay back next month", which is essentially "credit consumption", and it was not on credit investigation in the past. However, Alipay recently officially said that some users have been connected to the central bank's credit information, and the rest of the users will be covered in batches.

If the user sees the "Personal Credit Information Inquiry and Submission Authorization Letter" in Huabei's "Relevant Contracts and Product Descriptions", it means that the user's Huabei has been on the credit report. After accessing the credit information, the Huabei data will be combined and uploaded once a month.

At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then the use of Huabei will not have a negative impact on personal credit, but will help personal credit accumulation, and become a proof of good credit when applying for housing loans, car loans and other loans in the future.

If you need money urgently, you can consider using Du Xiaoman Finance to borrow money. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

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This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Huabei will be included in the credit report. However, for some users, if they do not click on Huabei to upgrade and do not authorize credit data, then they will not be able to report credit for the time being, which will only directly affect their credit evaluation on the Alipay platform, but regardless of whether they are on credit or not, Huabei will bring us a lot of inconvenience if it is overdue. Not only will it affect the Sesame Credit score, but it will also incur overdue fees, and the repayment amount will be charged as penalty interest every day.

Article 10 of the Regulations on the Administration of the Credit Reporting Industry.

The establishment of a credit reporting agency for the credit reporting business of enterprises shall meet the requirements for establishment provided for in the "Company Law of the People's Republic of China", and within 30 days from the date on which the company registration authority approves the registration, it shall file with the local credit reporting industry supervision and management department's dispatched agency, and provide the following materials:

1) Business license;

2) Description of the shareholding structure and organizational structure;

3) The basic situation of the business scope, business rules, and business systems;

4) Information security and risk prevention measures.

If there is a change in the filing matters, the change shall be filed with the original filing authority within 30 days from the date of the change.

Article 11. Credit reporting establishments shall follow the provisions of the department for the oversight and management of the credit reporting industry to report on the previous year's conduct of credit reporting operations.

The departments for oversight and management of the credit reporting industry shall announce to the public the list of credit reporting establishments that operate personal credit reporting operations and enterprise credit reporting operations, and promptly update them.

Normal use of Huabei and good repayment habits will not affect the loan. Once Huabei is connected to the central bank's credit system, it means that individual users' loans, overdue and default information in Huabei will enter the central bank's credit system. If there is default, overdue and other behaviors, it will have an impact on the user's future large loans, such as housing loans and car loans.

The user is required to sign a credit investigation authorization agreement.

At present, more and more users can receive the credit information authorization agreement on their Huabei page, and new users are also required to sign the "Authorization Letter for the Use of Personal Financial Information and Credit Inquiry and Submission" when registering.

Huabei said that according to the "Regulations on the Administration of the Credit Reporting Industry", institutions engaged in credit business shall provide credit information to the credit reporting system in accordance with regulations. Chongqing Ant Consumer Finance**** (hereinafter referred to as "Ant Consumer Finance"), to which Huabei belongs, is supervised by the China Banking and Insurance Regulatory Commission, and its service record information needs to be included in the credit reporting system like bank credit information.

According to the credit line**, the credit information will be submitted by Ant Money, or the bank that provides the credit line, and gradually submitted to the central bank's credit information system and other credit reporting agencies established in accordance with the law.

According to public information, Ant Consumer Finance Company was approved by the China Banking and Insurance Regulatory Commission to open on June 3 with a registered capital of 8 billion yuan.

In terms of the content of the report, Huabei said that in accordance with the requirements of credit reporting work, on the basis of obtaining the user's authorization, the information submitted by Huabei to the credit information system includes the date of account opening, credit line, use of credit line and repayment.

If the repayment is overdue, it will be included in the credit investigation, and it will also affect the personal loan in the bank Huabei is actually the same as the loan, and the function of advance payment will be carried out in advance.

If there is a bad record such as overdue, cash-out, or excessive debt on the credit report, then the loan interest rate may be higher, the credit card limit may be lower, and the applicant may even be refused to apply for a loan or credit card.

The impact of the inclusion of untrustworthy persons is still very large.

Previously, if Huabei was overdue, the biggest problem faced by Sesame Credit could be the impact on Sesame Credit. Alipay will not lend you any more money and is not binding. However, if a bad credit history is included in the central bank's credit checks, it will have an impact on future large-scale loans such as mortgages and mortgages.

Loans for car purchases can even affect an individual's public mobility and future employment.

If Huabei is not overdue, then this is also a good record of uploading a personal credit report and will not affect the individual's credit information. However, regardless of whether the credit report has been uploaded or not, you should keep good personal credit information, which will affect your life later in life.

There are many other factors that affect credit information, including credit history (past loan status), public records (personal administrative punishment records, court enforcement records, and even bad behaviors such as high-speed rail "hegemony"), and inquiry records (credit) reports, which require personal authorization or more. Often, if there are too many inquiries from other institutions, the bank will control the risk and it will be more difficult to apply for loans and credit cards in the future. In three areas, the impact on the average person is greater in terms of credit history.

If Huabei repays normally, it will not affect the credit investigation, so don't be too nervous, but if the repayment is overdue, a small amount of overdue loans is not a problem, but if the amount is too large or the amount is too large, the bank may reject the loan. ”

In other words, in the case that the credit information uploaded by Huabei is not clear today, if there is a need to buy a house and a car in the next five years, the credit information records in the middle of the bank will be kept for five years), users should be more careful when using Huabei.

The reason why Huabei didn't need to use credit information before was that it could only be used for early consumption. But now, with the central bank's joint survey of consumer loans and the gradual increase and expansion of Huabei, Alipay, and users, the credit investigation of consumer loan products has gradually become a trend. Previously, similar to Huabei's business, Jingdong Baitiao also began to report credit information in batches, and both of them reported the credit information of small loans, which are different from credit cards, and small loans have a greater impact on credit reports.