After the rectification, Huabei will also start brand isolation, what does the so called brand isol

Huabei borrowing itself is facing brand rectification, because the previous failure of Ant Group's listing was due to some product reasons, and of course this product Huabei borrowing occupies the main channel. Because of the problem of financing, the financial risk brought about by multiple mortgages has increased exponentially, and it is too powerful to play leverage, and now it is necessary to rectify the brand isolation, and Huabei has to rectify the loan. <>

The borrowing itself is a relatively high amount, but most people don't use this, because the credit conditions are not up to standard, you can't open this, I remember that when I opened this, the credit score has reached about 760 points, and it is only a few hundred yuan after opening, so I don't think it's necessary, Huabei is one of the more widely used by everyone, and many people have been using Huabei for a long time. With the extension of time, the amount of money obtained is getting higher and higher, from a few hundred yuan at the beginning to now, many people have a limit of tens of thousands of yuan. <>

However, a while ago, North China experienced a brand adjustment, and many people lowered it by several thousand yuan, and the original 80 million 10,000 yuan, which means 20,000 30,000 yuan, was suddenly adjusted to 30 million yuan and did not give such a high amount. adjusted, and then some people with relatively high amounts were notified to transfer from Huabei to credit loans, which are similar to small loans or small loans, but in a different formIt will clearly tell you where the money came from, and then what kind of procedures were taken, which bank is in charge, and it is to make these business information open and transparent. <>

If you just use this thing as a daily payment tool, get an interest-free period of nearly two months, these thousands of dollars can also be, as long as you can ensure that your capital chain continues to fall, can repay on time, you have money but don't use your own money, I use my own money as an investment for 40 days, 50 days later, we take out the money from this investment, the income is mine, I can't pay back the principal? It's actually okay to think of it that way. As long as everyone can pay it back on time, it won't have much impact.

Because Huabei is just a tool, this thing is not good or bad, and if it can be used formally and reasonably, then it is good.

It refers to the fact that the function of Huabei will be split into two parts: small loans and daily overdrafts, and daily overdrafts need to be reviewed before the amount can be disbursed.

The so-called "brand isolation" refers to the fact that bank credit will be separated from "Huabei" and independently for "credit purchase", which means that the services provided by Ant Consumer Finance will continue to display the "Huabei" brand, while the credit services and joint loan services provided by banks and other financial institutions will be displayed on the "credit purchase" page.

It refers to the complete separation of Huabei and Borrow, they are not one brand, but two completely different things.

It means that Huabei is divided into two parts: daily consumption and small loans, and daily consumption is the same as the original hand-ming business, and small loans will be approved by the bank and give consumers a certain amount of loans.

The specific meaning is that Huabei will become a brand focusing on small and medium-sized consumer groups, and will increase the service of credit purchase.

This is a technical term that refers to the reclassification of Huabei's functions, and then it will become an exclusive brand in the consumer finance company.

It means that Huabei is going to be rectified, and Huabei needs to be independent, so it is like this, and many people are using Huabei.

Using a credit loan, you can clearly see which bank provides this service, what the process is involved, the information is more open and transparent, which is a good thing for people who use this product, and Huabei itself was previously interviewed by the CBRC for rectification. It is because the multi-mortgage operation process of the product is not compliant, so this rectification is also for the long-term development in the future.

After the implementation of brand isolation, Huabei will become an exclusive brand under the consumer credit services provided by Ant Consumer Gold, and the credit services of other financial institutions will not be marked as Huabei, but will be displayed as "credit purchase", and will be marked at a glance, indicating which financial hook it is.

Huabei will become a specialized lending platform for Ant Consumer Finance, which is fully funded by banks and other institutions, and users can directly understand who they are borrowing from, and there is also a limit on the amount of borrowing 10,000 yuan.

In fact, it is to indicate which company provides the product under the product.

With the rapid development of social and material conditions, most of the modern people are consuming in advance, taking tomorrow's money, and realizing today's dreams. For example, people often say that housing loans, car loans, etc., these are large-scale consumption, and our daily life consumption is relatively small. Huabei and borrowing can be seen everywhere in our lives, whether it is online or in physical stores, most of the consumer goods support Huabei, borrowing and paying, thus guiding people to dare to consume, stimulate consumer demand, and promote economic development.

Excessive advanced consumption is not conducive to people's financial management, and when there is economic need, financial risks cannot be reasonably avoided. Huabei's brand isolation measure this time is not to support the consumption of large brands in daily life, and consumers can only buy small and medium-sized products for consumption. In order to avoid people's high consumption and cause their own financial burden, the more important reason is that Alipay's lending business is also a highly leveraged type.

The annual interest of Alipay's consumer loan is also a large amount. The state interfered with Alipay's lending business, which led Ant Group to adjust its lending methods to guide people to spend reasonably, not blindly, and to plan and use their own money reasonably.

Huabei carries out brand isolation, for consumers, luxury consumer goods if they can't afford it. If you really can't afford it, you don't have to think about whether you want to use Huabei or borrow it to pay in installments. The scope of Huabei's use has narrowed, and consumers will consider the cost-effectiveness and demand of the products they buy more carefully.

To a large extent, this reduces the impact on consumers' advanced consumption and allows people to establish a correct view of consumption.

Huabei's brand isolation has also reduced the borrowing risk of consumers to a certain extent. Consumers use installment payments to consume in advance, and under the way of rolling interest, consumers' repayment pressure will become greater and greater, and over time, borrowers may not be able to repay the loans, resulting in a bad personal credit report record and personal credit risks. Huabei's brand isolation has also slowed down the pace of Ant Group's rapid development.

Ant Group was interviewed by the state because of its highly leveraged lending business, which led to the eventual failure of the listing. Ant Group's approach has increased its influence among consumers and has played an important role in promoting subsequent development.

It refers to the fact that Huabei is split into two projects, one for daily consumption and the other for small loans, which is called brand isolation.

Brand segregation refers to the clear separation of consumer credit services provided by banks and other financial institutions to avoid matching confusion.

Huabei is a credit service proposed by Ant Financial. But before that, there were many other small and medium-sized credit companies that offered along with Fabei. Brand isolation is Huabei, a service provided directly by Ant Credit.

The line of credit will be regulated in the future. Because Huabei is based on each person's sesame credit score, everyone's limit is different, and for those users with high capital needs, Huabei will also have a higher limit. For those users with relatively low capital needs, Huabei demand is also relatively low.

But when Huabei brings convenience to our lives, it also brings us a lot of harm.

1. College students develop the habit of spending ahead of time.

Because adults can apply for Huabei, some college students have also applied for Huabei, and some college students have a Huabei quota of 2,000 and some have 5,000. For college students, they will not be able to control their desires and use Huabei to buy some brand-name products. At the beginning, they will ask their parents to use their own living expenses to fill Huabei, but after a long time, they will consider Huabei installments In the long run, it will have a bad impact on their consumption concept.

2. College students are in debt prematurely.

Although Huabei has brought certain economic advantages to many college students, it has also caused certain pressure on college students' lives. It may affect their studies too early, because they will go out to work and study in order to pay off Huabei's debts. Not only is it not conducive to their academic development, but it will also cause them mental pressure, and even some children can not withstand the pressure and threaten their lives.

All in all, Huabei's reform has reduced some credit limits, so that the original limit of 100,000 can only be guaranteed to be repaid by every group of people within 10,000. And Alipay's Huabei borrowing is currently strictly forbidden for college students to use, the purpose is to let them develop a good consumption habit and let them plan their living expenses purposefully. Instead of going for some aimless indiscriminate spending.

And when students have money in their hands, they. They will go to some bars and nightclubs, which is not conducive to the development of their physical and mental health.

The above is my own opinion.

They are preparing to rectify Ant Financial's business and service projects, and also to make borrowing and Huabei more standardized, so that Huabei borrowing will slowly enter the financial sector and become independent, which also means that if you don't repay on time in the future, you will be on credit.

The services provided by Ant Consumer Finance will continue to display the "Borrow" brand and become the exclusive brand of Ant Consumer Finance. The credit services provided by banks and other financial institutions independently will be displayed on the "Credit Loan" page, which will prominently identify the information of the financial institution and distinguish it from the borrowing brand. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as activation, accounting, interest calculation, and so on will not change.

Since the last borrowing rectification, many netizens have borrowed to reduce the rate, and recently, Huabei will also start rectification, and many netizens said that their Huabei has been reduced.

That is, the market needs to be rectified now, and this kind of borrowing is also risky.

Huabei's initiation of brand isolation will narrow the scope of consumers' consumption and reduce the amount of consumers' spending. At the national level, this is the state to manage some highly leveraged businesses in society to reduce financial risks. Huabei's launch of brand isolation is also Ant Group's regulation of Alipay's business, which is more conducive to Alipay's sustainable development in the long run.

Huabei launched brand isolation, and consumers were most directly affected. Previously, consumers could take out a loan on Alipay and use the loan as a credit installment to buy some luxury consumer goods online. For example, buying computers, mobile phones, L'Oréal cosmetics, etc.

Ant Group's move directly limits the range of items that consumers can spend, allowing consumers to carefully consider whether they need to buy more expensive items. Consumers choose the right consumer goods online according to their own economic conditions, instead of blind consumption and impulsive consumption, practicing some consumer slogans that guide people to consume, such as "spend tomorrow's money, realize today's dreams, love, no need to wait". When carrying out green consumption and rational consumption, it can help consumers gradually establish a correct consumption concept and consumption concept, and also help consumers manage their finances and deal with risk events in their lives.

Huabei launched brand quarantine to limit consumers' spending limits, which also had some pros and cons on Ant Group. On the bright side, Ant Group's obedience to the state's macro-control, adjustment of its own business and corresponding countermeasures are conducive to efficient management of the company and control of Ant Group's credit risk. Let Ant Group go further in the market and become more steady.

On the downside, due to the reduction of the loan amount, the corresponding loan interest income will also be reduced, and Ant Group needs to focus its resources on other businesses.

Whether it is an individual, an Ant Group, or a country, Huabei's brand isolation has more advantages than disadvantages from the perspective of long-term transportation. Individual consumption should not be too advanced consumption, which is easy to cause credit risks to oneself, increase financial risks to credit groups and countries, and cause financial market problems. Ant Group's adjustment direction to Huabei this time is good.

Causing inconvenience to the user, causing the user's capital turnover problems, etc. It is inconvenient for users, and the function is slightly different from before; As a result, there are problems with the capital turnover of users, and the quota of some Huabei has decreased.