What do you think of college student Huabei being locked up?

It is also a very good practice for college students to be locked up in Huabei, and college students still need financial support from their families, and if they have no money, closing Huabei for college students can prevent college students from spending ahead of time.

Personally, I think that if Huabei is closed, it may be because of personal credit problems. It is impossible for the platform to close your Huabei for no reason. So be sure to develop a good credit history.

College student Huabei was shut down entirely because it used Huabei too often, which caused damage to credit problems, so it was closed, and it is recommended that Huabei should be used reasonably!

I think it's a very good thing if you can turn off the Huabei for college students. College students don't earn money on their own. All counting on their parents to feed them.

And they often can't control their desire to buy things, and they are easy to spend in advance. I owe a lot of money, and if I can't pay it back, it's not good for Huabei Company, and it's not good for college students. Once turned off, let them not hang out all day**.

College students have no income in the first place. It's a good thing that Huabei is shut down, and closing Huabei can relieve a lot of unnecessary pressure.

If a college student is in retreat, it means that he may be overdrawn or doesn't play often, and there is a reason for that.

What do you think of college student Huabei being locked up? Personally, I think this kind of behavior is very good, and if you are a college student, I personally think that you must use money according to your family's situation, and you can't always spend in advance, and this kind of consumption concept is definitely not good.

Some of them are not closed, and mine is not closed, this is to prevent students from spending ahead of time

Huabei is an excellent way to be shut up, because it will establish a correct concept of consumption for college students. Prevent microaggressions. It is forbidden for college students to have a comparison mentality.

Control student spending from another aspect.

Summary: Yes. The regulations issued by the China Banking and Insurance Regulatory Commission (CBIRC) say that "it is clear that microfinance companies shall not issue Internet consumer loans to college students".

The Huabei and borrowing that we usually use belong to the category of microfinance companies and belong to the category of supervision.

Huabei Introduction: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.

It should not have been canceled yet, and the quota may be limited, because college students have no income, and there will be many problems if the quota is too high, so controlling the quota is the most likely.

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.

Who knew that college students couldn't use Huabei? The problem is that you can't rely on this Huabei and withdraw money from it at every turn? In that case, who will pay back? It's better to control how much your parents give you how much you want, and don't overdraft casually.

Of course, college students can use Huabei, but in order to control your consumption, it is best not to use it, because every month your parents will give you the best cash at the same time

College students who have already reached adulthood can use Huabei. However, college students who are not adults cannot use Huabei.

At present, it seems to be so, but if your net worth is high enough, you can still use it, and the capital will not be difficult with the money.

It should be that the service function of Huabei is not for college students.

Alipay stipulates that college students cannot use borrowing.

Those who are over 18 years old can open Huabei.

Not disabled.

In March 2021, the China Banking and Insurance Regulatory Commission (CBIRC) clearly stipulated that college students should not be set as the target group for online consumer loans, so various platforms have further restricted college students' loan applications. However, as of now, Alipay has not issued a notice about "college students banning Huabei".

The Alipay platform said that the Huabei credit line assessment is the result of the comprehensive review of the system, and it is not directly related to the user's identity, so it cannot be said that college students are disabled.

Extended information: 1. The full name of Huabei is "Ant Huabei", which is a consumer credit product. After the user applies for activation, Huabei will grant the user a specific amount of consumption quota based on the user's online shopping situation, payment habits, credit risk, etc., through big data calculation, combined with the risk control model. When consuming, users can advance this amount, spend this month, pay next month, repay on time without charge, and enjoy the shopping experience of "consume first, pay later".

As a credit innovation, Huabei complements banks and other financial institutions. The cooperation between the two 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 promote the development of the industry.

Second, the consequences of Huabei's overdue non-payment.

1. Subjected to ** "harassment".

Ant Huabei does not repay the arrears, just like the loan on the online loan platform, there will be collectors at both ends of the three days to "remind" you to repay the money quickly.

2. Lower Sesame Credit Score.

The rise of Sesame Credit is very slow, and everyone can see that it rises more points every month, and less points rise or even do not rise directly! And once Huabei is overdue, the score will drop by "whoosh", as little as a few tens, and as many as more than 100 points or even more than 200 points.

3. Recorded in the credit report of the People's Bank of China.

Serious overdue may still be credited to the People's Bank of China's credit information, which will affect the application for car loans, loans, and credit cards in the future. Therefore, after Ant Huabei is used up, it is still necessary to repay the loan normally.

4. There will be overdue fees, overdue fees = overdue amount * overdue days *, if you do not change for a long time, plus the principal, it will be a relatively large amount of arrears.

1) The repayment date of Huabei is generally the 9th or 10th of each month, and there will be differences between different people, subject to the page reminder.

2) For users who have continuously opened Huabei for more than 365 days, Alipay Huabei can adjust the repayment date, and the repayment date can be adjusted to the 15th or 20th of each month according to personal needs.

Speaking of Huabei, I believe many people have a love-hate relationship with it.

What I love is that it has accompanied you through that difficult time in the days when you were short of money, and I hate that I accidentally used up the quota, and told myself countless times to save money. However, the existence of Huabei is a "stumbling block" on your way to saving money.

Prohibiting Huabei and borrowing to lend to college students is a misunderstanding, after all, the country is also afraid of blocking the road and letting college students go to the wrong door. In contrast, regulating the lending of small loans and non-licensed financial institutions can better prevent college students from "going astray".

can be used, Huabei is with the monthly use and the ability to repay the loan in the coming month, the limit continues to increase, at first it seems to be 1000. However, it is not recommended for college students to use Huabei, it is not good to rely on excessive consumption in advance, and now most college students still rely on the monthly living expenses of their parents, with limited repayment ability, and they are too indulged in consumption, and it is easy to fall into various consumption traps of online merchants, which in turn causes greater demand for money, thus entering a vicious circle. At what age do people still do things at what age, study hard first, wait for their own work to make money in the future, and then reasonably arrange their consumption needs.

College students are not forbidden to use Huabei, Huabei is equivalent to advanced consumption, as long as it does not exceed their own, the merit can be tolerated and borrowed in time, this is okay, I have been using Huabei during college, and Huabei will have a lot of activities, such as red envelopes or something, the use of Huabei is actually more economical, if you can reasonably arrange your every expenditure, Huabei is a good choice, but if you are a person who does not know how to be restrained, Then Huabei is not a good thing.

As soon as the central bank made a move, it honestly converted the adult interest rate:

Huabei borrowed. Micro Loan Jingdong Baitiao.

Among all the Internet credit products, the usage rate of Huabei is probably the highest, and many young people have long given up using credit cards and switched to using Huabei. According to the display on the mobile phone, if you use Huabei installment, the total rate is 7%, how is this rate calculated? Who knows?

Fortunately, Huabei clearly indicates the annualized interest rate, which is much higher than the total rate of 7%.

I used to use Huabei often when I went to school, because the money for falling in love was always not enough, and then I turned off Huabei when I paid it off, and our current spending power is greater than our current financial reserves, and in the end we still have to rely on the family to give financial support, so it's best not to use it.

No, this mainly depends on your self-control, if you can repay Huabei in time, you don't need to close Huabei, if you borrow a lot of money, and it is not easy to pay it back, it is recommended to close Huabei.

You can use it, you should divide people.

College students are now banned from Huabei.

In March 2021, the China Banking and Insurance Regulatory Commission issued an announcement stipulating that loan platforms shall not set college students as the target group for Internet consumer loans, so various loan platforms have further restricted college students from applying for loans.

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".

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.

Guanhua students need the following two steps:

First, open a student identity authentication channel, which is currently not available. So, except for those who have previously certified their student status for some discounts, they may have turned it off, and the others probably haven't turned it off.

Ant Financial is just right, can it be closed, of course he is not closed, the so-called policy on the top, there are countermeasures on the bottom, and the yang is against the yin.

Second, Xuexin.com gives our information to Alipay. But this is obviously unrealistic, and it is necessary to protect privacy, and large-scale leakage will inevitably lead to a series of problems.

Without accurate student information, indiscriminate closure will cause dissatisfaction among other customers, and Ant Financial will definitely not do this kind of job-smashing thing.

College students can use Huabei according to their own situation, everything must have a degree, this degree is that they can return it at any time within the specified time, if Huabei affects their own life, then they don't need to use it.

At present, Huabei is restricted for college students, from my experience as a college student using Huabei in the past, the use of Huabei will cause us to develop the concept and behavior habit of excessive consumption in advance, I personally suggest that as a college student should not use Huabei, develop a good concept of consumption.

Yes, but I personally think that we college students still use these less, and it is easy to consume ahead of time, which I think is a bad consumption habit.

It's not, it's just a restriction on use, the requirements have changed, but it can still be used normally.

College students can use Huabei, but in moderation.

Huabei can still be used, but borrowing it doesn't seem to be working.

It depends on the situation and has the ability to pay back.

Huabei can still be used, borrowing it doesn't seem to be able to be used, but it should be done in moderation.

College students can use Huabei, but they still have to do what they can according to their own economic situation.

Huabei college students can use it.

Conditions for college students to use Huabei:

1.First of all, college students need to complete real-name authentication and other information to fill in.

2.It is also necessary to pass the official evaluation of Alipay to confirm that the user has the qualification and credit qualification for repayment;

3.College students must be at least 18 years old, because minors do not have full capacity for civil conduct.

Whether Huabei can be opened is comprehensively evaluated by the system, and manual intervention cannot be made.

In March 2021, the China Banking and Insurance Regulatory Commission (CBIRC) clearly stipulated that college students shall not be set as the target group for online consumer loans, so various platforms have further restricted college students' loan applications. However, the Alipay platform said that the Huabei credit line assessment is the result of the comprehensive review of the system, and it is not directly related to the user's identity, so it cannot be said that college students are disabled.

Yes, the China Banking and Insurance Regulatory Commission and other five ministries and commissions jointly issued a notice clarifying that microfinance companies are not allowed to issue Internet consumer loans to college students. The Huabei and borrowing that we usually use belong to the category of microfinance companies.

Extended information: 1. The requirements for regulating the banking industry to carry out the Internet consumer loan business for college students are as follows:

1.Strengthen marketing management, all institutions must not target online precision marketing for college students, and marketing activities must not use deceptive, misleading, or inducing publicity or other improper methods.

2.Strict pre-loan qualification review, a comprehensive understanding of credit status, strict implementation of the second repayment of college students, through reasonable methods such as confirmation of the authenticity of the identity of the second repayment.

3.Strengthen post-loan management, and strictly prohibit any violent collection behavior that interferes with the normal study and life of college students.

4.Strengthen the security protection of college students' personal information, and must not send borrowing student information to third-party institutions, and must not illegally leak, buy or sell borrowing student information.

5.Strengthen the reporting of credit reporting information, and follow the "Regulations on the Administration of the Credit Reporting Industry" to promptly, completely, and accurately report all credit information on college students' internet consumer loans to the Basic Financial Credit Information Database. Loans must not be granted to college students who do not agree to submit credit information.

2. Huabei application scenarios:

1.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.

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

3.Ant Huabei has stepped out of the Ali e-commerce platform and has connected to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; Local life services**, such as word-of-mouth, Meituan, Dianping, etc.; Mainstream 3C officials**, such as LETV, Haier, Xiaomi, OPPO and other official **; and the section on overseas shopping**.

Operating environment: Honor 20pro, Alipay.