Huabei can be consumed in advance, so why do many college students close Huabei?

With the continuous popularity of Alipay, people now will not even travel with cash, just bring a mobile phone, of course, the reason why Alipay is so popular, the reason and its function is inseparable, not only can be used to pay for life, shopping payment, but also to save money, borrow money, greatly facilitate our daily life.

Especially Ant Huabei, you can choose Huabei to pay when you pay, and the money used can be repaid before the 9th of next month, isn't it very convenient, it is equivalent to borrowing Ma Yun's money to spend, of course, it is also consumed in advance, a bit like the function of a credit card, and it has also brought huge profits to Alipay. However, now more and more college students have closed Huabei and <>

Why is that? After seeing the reason, netizens: It's too realistic!

First of all, college students are generally not financially independent, and they need to pay tuition and living expenses at home, after having Huabei, although it is a good thing for them, but when it comes to repayment, they find that they have no money to repay, because they have spent a lot of money unconsciously, resulting in overdue repayment and affecting credit scores. In addition, when you open Huabei, you will not be too restrained every time you consume, after all, it is not the money in your pocket that is spent, and finally accumulated to a certain extent, <>

I felt the pressure of being asked for debts, and in this case, I could only ask my parents for money, and I would inevitably be scolded, so many college students chose to close Huabei with tears, which is also a very wise move. Although Huabei can be consumed in advance to solve the urgent need, there are also drawbacks, it is easy for people to develop the habit of spending money lavishly, but at the age when they should be struggling, they are crushed by Huabei's repayment, which is really worth the loss.

In the past, when people were buying things, they would weigh how many catties and taels they had, and if they had money, they would buy more, and if they didn't have money, they would buy less. But after Huabei came out, because it could be consumed in advance, many users got carried away and forgot whether their financial ability could repay Huabei, just a blind purchase.

Because Huabei is a way to advance future money in advance, this will cause some pressure in the future.

Because they are afraid that they will not be able to control their consumption, they want to control their consumption by closing Huabei.

Because there will be dependence, if it causes dependence, if it can't be paid when it expires, there will be a lot of trouble?

Because the opening of Huabei is likely to overconsume and change their consumption habits.

This is because the Huabei quota is used more and more, and college students may not be able to control themselves when they consume, so it is better to close it.

Because the use of Huabei will exceed the quota if you are not careful, which is not a good thing for yourself.

This feeling is that as long as there is a quota, I can't restrain myself and want to use it.

Because this is to restrain yourself, and if you can't restrain yourself, you will spend a lot more than the limit.

No, it won't

Alipay has not forced the closure of Huabei for college students, and some college students can still use Huabei normally. As for whether you can continue to use Huabei in the future, it is subject to the display on the page.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan.

When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later". On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which is also the first Internet consumer finance ABS on the Shanghai Stock Exchange.

As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan, increasing the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would be open to banks and other financial institutions.

Ant Huabei has been officially launched since April 2015, mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.

Open the Alipay homepage, and the pay and receive money button on the top.

Open the payment option in the red circle.

Second, open *** There is an option for payment methods below, select Qingliang Huabei, and then Alipay will let you sweep the dust and have a good face.

Looked it up on the net:

College students can't use Huabei from March 17, 2021, on the same day, the General Office of the China Banking and Insurance Regulatory Commission and other five departments jointly issued the "Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students". It is clarified that microfinance companies are not allowed to issue online loans to college students, so as to avoid excessive borrowing by college students. From then on, college students will not be able to use Huabei.

From a personal point of view, college students still do not recommend using Huabei. Huabei is equivalent to a kind of advanced consumption, and the use of Huabei can change the consumption concept of some students. Another is that at present, our college students do not have a certain economic foundation, and the economy is almost all ** to their parents, and they have no ability to repay Huabei.

Insolvency will also have a certain impact on personal reputation.

College students can't use Huabei from March 7, 2021. The "Notice" jointly issued by the General Office of the China Banking and Insurance Regulatory Commission and other five departments clearly points out that microfinance companies cannot issue online loans to college students. The implementation of this policy has effectively put an end to the psychology and state of students to consume ahead of time, and is more conducive to students' rational consumption.

College students are not unable to use Huabei, and Huabei does not prohibit open applications for college students, generally as long as they are at least 18 years old, are real-name authentication users of Alipay in Chinese mainland, and Alipay accounts are bound to mainland mobile phone numbers, normal status, and good personal credit (sesame credit score of 600 points and above), then you can apply to open Huabei.

Yes. According to the relevant regulations, it is clarified that microfinance companies are not allowed to issue Internet consumer loans to college students. Huabei and borrowing in Alipay belong to the business scope of microfinance companies, and the service for college students has been closed, so college students can no longer use Huabei.

What is Huabei.

Alipay users can advance the quota of Ant Huabei when making purchases, and enjoy the shopping experience of "consumption first, payment later", which is favored by the majority of consumers, especially post-consumers.

The full name of Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial, and users will receive a consumption limit ranging from 500 to 50,000 yuan after applying for activation, which can be used for shopping or payment projects.

Ant Huabei, officially launched in April 2015, is mainly used for shopping on Tmall and **. On September 22, 2021, Huabei has been connected to the central bank's credit information system, and it will not be available if the user refuses to access it.

College students can use Huabei, but it is best not to bloom. The use of Huabei is a kind of advanced consumption behavior, and once a habit is formed, it is difficult to change. Advance consumption is a bad habit for college students who have no income and can only rely on their families to provide living expenses.

Nowadays, there are a dazzling array of goods in shopping malls that attract college students to spend, while some college students have not yet developed good financial management habits and will exceed the advance if they are not careful. After a long time, you can also use Huabei to consume in advance at the beginning, but after all, Huabei is also consumed in advance this month, and it will be returned next month, so in fact, the wool is still out of the sheep, and this month satisfies our shopping desire, and it will not be enough to spend next month. Such a vicious circle is not very advocated, so it is recommended that it is best not to bloom.

Alipay to open Huabei is 18 years old, college students are generally over 18 years old, and there are many classmates around me who have opened Huabei, so Huabei should be able to open. But on the question of whether to bloom or not, there are some personal opinions and suggestions.

I myself am not opposed to some people who are unable to come up with the corresponding amount of money to pay for their normal expenses at this stage because of their family situation is really difficult, such as insufficient living expenses for school. But most of the people I know don't really choose to open Huabei because of lack of funds, but because they want to satisfy their impulsive consumption at the moment, so they choose to consume ahead of time, so day after day, the amount of Huabei they owe is getting more and more, and they fall into a bad cycle.

Therefore, even if you can bloom, as long as the funds in your hands are enough for your daily consumption, if you can't control your impulsive consumption, it's better not to bloom.

College students can open Huabei.

At present, college students are using Huabei, Huabei is owned by Alibaba, which is more reliable, but college students have some irrational consumption, and will use Huabei to shop frequently and buy things to satisfy their vanity, but this is not good, we don't need to spend money that does not "belong" to ourselves in order to satisfy vanity.

I think college students must pay attention not to spend more than they can afford to afford, Huabei I think it is still relatively easy to get started, because this is equivalent to "extra money", so college students will easily have no concept of not feeling that it is not their own money, so they need to overspend, so they have to make sure that they can pay it back before using it.

I think college students must pay attention not to spend more than they can afford to afford, Huabei I think it is still relatively easy to get started, because this is equivalent to "extra money", so college students will easily have no concept of not feeling that it is not their own money, so they need to overspend, so they have to make sure that they can pay it back before using it.

Huabei application conditions.

1. Alipay real-name authentication user in Chinese mainland, age 18 years old, Alipay account bound mobile phone number;

2. Only one Alipay is allowed to bloom under the same ID card or the same mobile phone number, that is, accounts A and B under the same user name, account A blooms, and account B cannot be opened again;

3. The status of the Alipay account is normal, and secondly, under the condition of meeting the above basic conditions, whether it can bloom is evaluated by the system based on the overall situation of the Alipay account, and manual intervention cannot be made.

Huabei was turned off, what's going on:

1. There is overdue behavior.

If Ant Huabei's customer has an overdue loan in the process of using Ant Huabei, the system software will feel that it has not repaid the money in accordance with Ant Huabei's requirements, which does not meet the qualifications of Ant Huabei to apply it again, and will close Ant Huabei.

2. Excessive debt.

In the case of using Ant Huabei, the Ant Huabei system software will conduct research on the user according to various aspects, and if it is found that the user of Ant Huabei has high debts, in order to avoid risks, and then close Huabei.

The consequences of Huabei Huabei's non-repayment.

1. Overdue interest.

Almost any overdue loan product will incur overdue interest, and Huabei is no exception. Huabei does not repay, that is, there is no repayment on the repayment date, even if Huabei is overdue, the longer the overdue days, the more interest.

2. The sesame content decreases.

Sesame Rating's evaluation includes the user's use of Huabei. If Huabei does not repay, the user's sesame score will drop in the system evaluation. After the drop, many Alipay Sesame Score benefits are not available, such as car rental benefits, zero deposit for hotel stays, etc.

3. Poor credit report.

Alipay wallet has long been connected to the personal credit system, if Huabei does not repay, the customer's personal credit report will have a bad credit record, the longer the loan is overdue, the greater the disadvantages of personal credit, and it is very likely to be included in the dishonest person.

4. It is forbidden to use Huabei.

Generally speaking, customers who are overdue for more than 7 days will not be able to apply Ant Huabei, and must settle the loan and wait for the risk control to be eliminated before they can apply Ant Huabei again, if Huabei does not repay for more than 180 days, most of them are equivalent to permanent inability to apply Ant Huabei, and even Alipay wallet bank credit products such as Ant Borrow.

If there is still a free quota on the page after completing the college student certification, then Huabei can continue to use it. If there is no available quota on the Huabei page, or the quota is frozen, Huabei cannot continue to use it.

Whether college students' Huabei can continue to be used mainly depends on the evaluation results of the system, and the system gives a quota, so Huabei can continue to be used.

In addition to college students, ordinary users are the same, as long as the page does not have a quota, then Huabei cannot be used. Therefore, whether Huabei can be used has nothing to do with the user's occupation.

It should be possible, there are classmates around me who are using, theoretically, as long as adults over the age of 18 can use Alipay to bloom but in the case of no money, it is best not to use it, and it is best not to use it if you are not sure to repay it on time, because credit is very important Now, due to the introduction of national policies, some small loans may not be issued to college students, for now, this national policy has not been fully popularized, it should still be able to bloom, and after a period of time, The popularization of national policies may not be opened.