How does Huabei infiltrate our lives step by step?

Speaking of Huabei, he is an early consumption business in Alipay, and the simple thing is to spend the next month's money this month. It satisfies the psychology of people's timely enjoyment, from buying clothes and cosmetics to buying appliances and cars, etc., and everyone is keen on this kind of "consume first, pay later" service. With the blessing of this early consumption platform, some items that could not be consumed have become readily available in an instant.

Unconsciously, overdraft spending has become the norm.

This is to give you a little discount first, so that you are addicted to buying things. Finally, overdraft your wallet. Slowly, you don't buy things, you want to buy things.

Huabei is a financial tool in Alipay, with the function of spending first and paying later, similar to a credit card, we advance money by Alipay when we consume, and then return the money to Alipay after expiration, many stores support Huabei payment, so Huabei is becoming more and more popular.

That's not called infiltration, there is no Huabei, and there are other bank credit cards that provide young people with a lifestyle of overdraft and advance.

Huabei is only using the popularity of Alipay and the popularity of smart phones to slowly penetrate into the lives of young people.

Huabei is a financial tool of Alipay, which initially supported ** online shopping overdraft consumption, and then began to support offline payment, infiltrating our lives step by step.

Because advanced payment has entered our lives, Huabei has infiltrated our lives step by step.

1. The popularization of mobile payment and the change of consumption concepts. ** is the largest e-commerce platform in China. The one-hour trading volume of Singles' Day alone is 100 times that of Vipshop's sales.

Vipshop is still the third-largest e-commerce platform in China, so the ability to **attract** is pretty scary. It has a wide range of products, low prices, and convenient logistics, which makes our shopping more convenient. Of course, this is also an indispensable partner of **.com, Alipay.

Extended information: 1. Ant North China was officially launched in April 2015. Mainly used for Tmall, ** shopping.

It is loved by consumers, especially those born in the 80s and 90s. In order to better serve consumers, Ant North China began to break the restrictions of shopping platforms and expand its services to more online and offline consumer areas of Huikuan.

2. Ant North China has just been launched for half a month, and more than 1.5 million merchants have opened North China on Tmall and **. Many businesses that have responded quickly have begun to revise the baby's description and directly add the words "support North China" to more accurately attract consumers. The person in charge of Durex Tmall*** told reporters that a product launched for new users of Ant in North China sold more than 10,000 copies a day, robbing the inventory of the week.

The data shows that after merchants connected to Ant North China installment payment, the transaction conversion rate increased by 40%.

During the Double 11 period, Ant North China gave full play to its worry-free payment product capabilities, with a total of 60.48 million payments throughout the day, accounting for the total transaction volume of Alipay. In 2017, North China was exclusively named "Super Dimensional Idol". On June 14, 2017, Jing Xiandong, CEO of Ant Financial, announced that "Ant Financial's accumulated technical capabilities and products will be fully open to financial institutions, and the selection criteria will be whether they are innovative and user value."

On May 18, Ant Finance's consumer credit product, North China, announced that it would open Lunbi to banks and other financial institutions. In July 2020, some users in northern China connected to the central bank's credit investigation in the form of a service upgrade, according to the China Times. From the customer service prompts, users can find answers in the "relevant contracts and product descriptions" in North China.

If the "Personal User Information Inquiry and Submission Authorization Letter" in the product agreement, your information is connected to a credit check. If there is only the "North China Service Agreement", "ZSAMMA Service Agreement" and product description, then your information is not connected to the credit check.

Summary. 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. [1]

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. [2] On May 18, Huabei announced that it would open to banks and other financial institutions. [3]

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. [16]

Huabei's business.

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 Congkuan project was listed on the Shanghai Stock Exchange, which was also the first consumer finance ABS of the Shanghai Stock Exchange.

1] 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. [2] On May 18, Huabei announced that it would open to banks and other financial institutions. [3] 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.

Hello. What does that mean.

Are you asking about installments or regulatory requirements?

By stages. Hello, Huabei installment, is the same as credit card installment, if you choose, you can repay in installments every month, for example, if you borrow Yanxun 100, repay 12 months a total of 12 months every month, but if you don't install, there will be no interest if you repay the full amount directly in the next month.

I borrowed more than a thousand, and in the end it was all deducted 7That's a lot, and then I paid two hundred, and I got other periods, so how can I deduct it.

Hello, borrowing 100 is not, not deducting more quickly, but you pay back more, then you borrow 1000 is 75 yuan.

Let me explain to you, I paid 100 to others three times in total, the first time I got 12 installments, which is the ** deduction of hunger I sent you, and the second and third 100 I paid to others when I got three installments, and the three limbs were repaid in three months, and 34 per month, deducting more than two yuan,. My juxtaposition means that I didn't get the same issue of these three hundred, how can this be deducted, hello. No, it doesn't.

According to the empty source, you will deduct three months in different installments, and after this Hu, you will lose money and return to the twelfth month.