Will Huabei be on the credit report, and will Huabei be on the credit report now?

In fact, as long as we repay the loan on time, the common use of Huabei will not have any impact on us, let alone our personal credit.

Yes, Huabei is recently accessing the central bank's credit information in the mode of service upgrade, and even if you change Huabei on time in the future, you may also be on the credit report.

It will definitely be on the credit report, if you don't pay back Huabei for a long time, you will be pulled into the credit blacklist, not only Huabei but also borrowing, will be on the credit report, so you must keep your promises, credit will affect the loan, a friend of mine before was borrowed money from WeLoan, overdue, although the repayment was made later, it will take five years before you can borrow from the bank.

Hello, Huabei installment will not be on the credit report, because the service subject of Huabei has not reported to the central bank for credit, so Huabei is overdue, and there is no overdue record on the credit report. However, although Huabei is not on the credit report, it does not mean that Huabei does not have to repay, after you are overdue on Huabei, your overdue record will be recorded in Sesame Credit, and Alipay will also produce negative records, which will affect the normal use of Alipay, and Huabei will have overdue penalty interest and other expenses after overdue, so it is best to repay on time.

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Answer your good friend, I'm happy to answer your question, Huabei will also be on the credit report if it is paid off, according to Alipay's instructions, Huabei has been fully involved in the credit system, users will have a record on the credit report when using Huabei, so even if you pay it off, this record will still be there, but if it is not overdue, it will not affect your future loan, I hope my reply can help you, I wish you a happy life

The question was overdue, but it was paid off.

Question: Well, can't you take out a loan for five years?

The answer is no, if it is a continuous overdue record, it will affect the approval of the loan, for example, you have two times in half a year, or three times in a year, this kind of question that affects the approval of the loan is overdue for several months, and then paid off in one lump sum.

Ask a question, no matter how big it is.

As of April 2021, Huabei will be credited.

Huabei captures the information once every time the user raises the amount, and reports the credit report in the form of monthly, quarterly or semi-annual information. This means that even if Huabei is not overdue, there will be consumption records on the credit system.

When the user carries out the quota increase service in Huabei, he must check and agree to sign the "Personal Credit Information Inquiry and Submission Authorization Letter" and the "Huabei Electronic Signature and Evidence Preservation Service Agreement" before the amount can be raised. As long as the user raises the amount, it will definitely be on the credit report; If the user has been prompted to "Huabei service upgrade", and chooses to agree to the agreement and upgrade the service, it will also be automatically connected to the credit investigation.

Impact

In fact, as long as the user repays the loan normally on time and is not overdue, the use of Internet consumer credit products will not affect the personal credit history. The most basic function of credit history is to understand and verify the credit information of others, and to improve the information asymmetry between the two parties to the transaction through the dissemination of credit information, and to play a role in restricting the behavior of both parties to the transaction.

Borrowers with a good credit history will not only get a loan faster, but also have an easier time getting a higher loan amount and a better interest rate. On the contrary, if the borrower has a serious bad credit history, there is a possibility that the loan will be rejected by the bank in the credit application.

The above content refers to the People's Daily Online-Huabei access to the credit information system Overdue repayment may affect the loan.

Is Alipay's Huabei on the credit?

Huabei will still be on the credit report.

The Huabei service has been fully connected to the central bank's credit information system, and every payment made by users who have upgraded the Huabei service will be recorded in real time by the credit information. In addition to paying overdue fees, users with overdue arrears in Huabei may also be affected when handling mortgages, credit cards and other businesses due to overdue Huabei credit records.

After the upgrade of the Huabei service, users who use the Huabei function will confirm and sign the two documents of "Personal Consumption Credit Credit Contract" and "Personal Credit Information Inquiry and Submission Authorization Letter" after the upgrade, and users who have signed the above documents will report the consumption information on Huabei to their personal credit in real time when using Huabei, and the specific terms are subject to the provisions of the above two documents.

The news that the ant "Huabei" was connected to the central bank's credit system at the end of July was officially confirmed yesterday. On August 10, the person in charge of the relevant department of the central bank said in an interview with a reporter from China ** Daily that the microfinance company handling the "Huabei" business was connected to the credit information system in April 2015, and then suspended the submission of credit business information due to the change of the lending entity, and planned to resume reporting in the near future.

In May 2019, the microfinance company that handled the "JD Baitiao" business was connected to the credit information system, and the relevant business information was reported well.

According to the relevant person in charge of the central bank, article 29 of the "Regulations on the Administration of the Credit Reporting Industry" stipulates that "institutions engaged in credit business shall obtain the written consent of the information subject in advance when providing credit information to the Basic Financial Credit Information Database or other entities." ”

The credit reporting center earnestly protects the information subject's right to know and consent, and has been strictly abiding by the authorization system for reporting data and inquiring into data, urging institutions engaged in credit business to perform their authorization obligations and comply with the reporting and inquiry.

For the relevant information reporting systems of "Huabei" and "Jingdong Baitiao", the relevant lending institutions are required to obtain the authorization and consent of the information subject in advance, and generally adopt the method of signing ** authorization with the information subject to submit data.

The above content refers to People's Daily Online-The company handling "Huabei" small loan will resume credit reporting.

Hello, I am a partner of the platform, Mr. Fu, I am sorting out the answer and will reply to you within five minutes, I will do my best to your question, satisfied with the trouble5 Like Thank you for asking.

The opening time is different, and some of them have been upgraded in Huabei.

<>At present, some Huabei users have been uploaded to the central bank for credit investigation since June 2020, and it is also from June that Huabei users have received notices of Huabei service upgrades. Among them, the authorization letter for credit reporting is in the content of this upgrade service. Moreover, Alipay will regularly increase the quota for some Huabei users, but at the same time as the quota is increased, some users have taken the lead in accessing the credit investigation.

After agreeing to Huabei's upgrade service, the basic information, Huabei quota and repayment status will be reported to the central bank's credit information system on a monthly basis.

Is Alipay's Huabei on the credit?

Huabei is overdue on the credit report.

Many people think that borrowing money on Alipay and WeChat, once it can't be repaid in time, it will not be like bank loans, and it will be like bank loans, leaving credit stains on the bank's credit system, resulting in no loan when buying a house in the future.

But in fact it may not be the case. The reporter noticed that "Ant Borrowing" claimed that "overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information in accordance with regulations"; "Ant Huabei" also stated that "overdue repayment will incur corresponding overdue interest, and the overdue record will be submitted to Sesame Credit, which will affect the sesame score and may have a negative impact on your credit." ”

In this regard, the reporter also recently consulted Alipay customer service, and the other party said that if it is purely used "Huabei", "borrowing", etc., it will not be reflected in the credit record of the central bank at present. However, if it is seriously overdue, then the overdue record is likely to be reported to the central bank's credit system.

Huabei is not on the credit report, but there is a trend of going to the credit report in the future, the specific time of the credit report is undetermined and not good**, in any case, repaying the money on time is the basic quality of every lender, if you don't pay back, no one will lend you money in the future. Because Huabei's service subject did not report to the central bank.

Credit investigation, so Huabei is overdue, and there is no overdue record on the credit investigation. However, although Huabei is not on the credit report, it does not mean that Huabei does not have to repay, after you are overdue on Huabei, your overdue record will be recorded in Sesame Credit.

Inside, negative records will also be generated on Alipay, and Huabei's overdue records will be reported to Sesame Credit, which will affect the Sesame score. It affects the normal use of Alipay, and there are overdue penalty interest and other expenses after Huabei is overdue, so it is best to repay on time.

First, the basic information of Huabei.

The full name of Huabei is Ant Huabei.

It's Ant Financial.

A consumer credit product launched will receive a consumption quota ranging from 500 to 50,000 yuan after applying for opening. When consuming, users can advance the amount of Ant Huabei and enjoy"Spend now, pay later"The shopping experience. On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was launched on the Shanghai ** Stock Exchange.

Listed, this 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 with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

Second, Huabei is overdue.

Huabei was sued for overdue, mainly looking at two aspects, on the one hand, the number of days overdue, and on the other hand, the amount of arrears. If the borrower has the ability to repay the loan, but refuses to repay, legal measures will be taken.

The penalty shall be imprisonment for not more than three years.

For users who have not repaid within the time limit, Ant Huabei will remind the user to repay the loan within 9-13 days after the user's repayment date, through SMS, automatic voice, etc., and if the user has not repaid, it will be manually reminded after 13 days after the deadline.

According to the Criminal Law of the People's Republic of China.

Article 313 stipulates: Where a people's court refuses to enforce a judgment or ruling that it has the capacity to enforce, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention or a fine; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine. Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

Ant Huabei emphasized that if the overdue amount is large and the user is still unable to be contacted many times, it will try to remind the user to repay the loan by contacting the related person. This is based on the usual practice in the credit industry, and is also intended to avoid overdue interest and damage to the credit history of users.

Huabei has been fully connected to the central bank's credit information.

Credit information records the past credit behavior of an individual, which will affect the individual's future economic activities, and these behaviors are reflected in the personal credit report, which is often referred to as "credit history".

The emergence of credit reporting activities stems from the emergence and development of credit transactions. Credit is a special form of value movement conditional on repayment, including forms such as money lending and commodity credit sales, such as bank credit, commercial credit, etc. The modern economy is a credit economy, and credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.

Application scenarios of Huabei:

Industry insiders believe that banks and other financial institutions have experience in capital and risk control, and Huabei has consumption scenarios and risk control data, and the two sides have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, and benefit the development of the industry.

Ant Huabei supports multi-scene shopping use. Previously, the main application scenarios were ** and Tmall, ** and most merchants in Tmall can use its payment.

Ant Huabei has stepped out of the Ali e-commerce platform and has access to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon and Suning. Local life services**, such as word-of-mouth, Meituan, Dianping, etc.

Mainstream 3C official**, such as LETV, Haier, Xiaomi, OPPO and other official **.