Are there many post 90s people who owe Huabei and don t pay it back ?

Today's consumption habits are very different from before, and there are more ways to choose from consumption. In addition to cash, most people are used to mobile payments, and generally use WeChat and Alipay. The reason why Alipay is popular with more people is because Alipay can not only spend money, but also spend money in advance.

Huabei on Alipay has become a daily consumption method for the post-90s. Alipay attaches great importance to the post-90s users, and statistics have been made on these customers.

Among the people who use Alipay, the post-90s generation accounts for 40%, which is the largest number of people. Moreover, the post-90s generation not only accounts for a relatively large proportion, but also exceeds other age groups in terms of spending power. It can be said that it is the main force of Huabei, but there are very few people who do not return Huabei.

It's only about one percent, which is very low overall. This shows that when the post-90s generation uses Huabei, the credit is still relatively good. This is also beyond the imagination of many people, you can listen to what Alipay said.

This ratio shows that among the 100 post-90s who use Huabei, only one person owes Huabei and does not pay it back. In fact, there are many reasons for this, and the post-90s generation usually has a relatively high level of education. For credit is more important, and the money owed to Huabei will generally take the initiative to repay.

Many post-90s generations are ready to take out a loan to buy a house. If you want to borrow money from a bank, you must ensure that you have good credit. If you don't repay your money on time, it will stain your credit and may affect the bank's loan.

This is also the reason why many post-90s generations consider it.

Secondly, it will affect the normal use of Alipay. If you don't pay back Huabei, Alipay will suspend the quota. In addition, other functions of Alipay will also be affected, for the post-90s generation who are accustomed to using Huabei for consumption, the loss of Huabei is a loss.

As long as it is paid off within one month, there is no interest.

The first thing many people do after paying their salaries is to pay back their last month's Huabei. In this way, credit will not be affected. And you can continue to use Huabei this month, and in some emergencies, you can also save the emergency.

Huabei provides a lot of convenience, and when using the use of Huabei, it will not fail to pay back for no reason.

Finally, I would like to remind everyone that you should also be rational when using Huabei to consume. Don't blindly consume just because you have Huabei. If you can't afford it next month, Huabei will be deactivated by then, and it will leave a stain on your credit.

You should consider your ability to repay, and don't become a person who owes Huabei and doesn't pay it back. It's the same for all people. For Alipay's Huabei, will you repay on time?

A lot, this is because the children of the post-90s generation have higher requirements for life, love to compare, and spend money from Huabei without moderation, and they have no ability to repay it in the end, so there are many post-90s children like this.

The number of people should not be very large, because the post-90s generation has a certain knowledge reserve, and they know that there will be serious consequences if they don't spend it.

It's quite a lot, because many post-90s generations owe money, and even owe a lot of money and can't pay it back.

There are a lot, many post-90s generations like to consume in advance, and often use Huabei's money to buy what they want, but if they don't work enough, they can't repay the loan many times.

There are a lot of them, because many post-90s generations have advanced consumption behaviors.

Now that the post-90s generation has become the main force of Huabei, how many people owe Huabei money and don't pay it back? The answer was surprising.

In this case, you must verify, for some online loans with very high interest rates, you can call the police to deal with it, which can reduce some money.

You should tell your family about this matter immediately, so that you can help yourself change money to support yourself, so that you have a good feeling, and you will not let the money you owe more and more, and you may not be able to afford it in the end.

According to the data, in 2017, Huabei's revenue was 100 million, the profit was 100 million, and the non-performing rate was less than 1%, while in 2018, the revenue and profit increased a lot, but the non-performing rate was lower.

Why is Huabei easy to open, and Alipay is not afraid that everyone will not pay back? This diagram illustrates.

Many people don't understand, why is the opening threshold of Huabei so low, but the defective rate is also so low, what method does Ma Yun use to let everyone repay the money on time?

In fact, it is very simple to say, on the one hand, everyone naturally attaches more importance to their own credit, so they will not rely on the account casually, and on the other hand, it is because Alipay has a complete system to ensure that everyone pays back.

To put it simply, Alipay is real-name authentication, and then Alipay will collect relevant information of users through a series of tools, functions, and data to form a complete data system.

Why is Huabei easy to open, and Alipay is not afraid that everyone will not pay back? This diagram illustrates.

As detailed in the figure above, Alipay will form a complete database of users in the database according to identity characteristics, performance ability, credit history, personal relationships, behavioral preferences, consumption records, etc.

And these data determine whether you can open Huabei, how much is the amount, to ensure that you have the ability to perform the contract, in addition, even if you don't pay back, Alipay also has a full set of your information, such as your connections, credit history, etc., you can find you at any time, even if you disappear, you can find your relatives, other real estate and so on.

Why is Huabei easy to open, and Alipay is not afraid that everyone will not pay back? This diagram illustrates.

It can be seen that on the one hand, on the opening threshold, users are evaluated through various materials and information to ensure that you have the ability to repay. On the other hand, through various methods, you will be asked to complete your personal information, and after these information is submitted to Alipay, you will repay the loan on time, after all, once these materials are submitted, you will "run the monk can't run the temple".

Because Huabei is still very convenient now, it can solve temporary needs, and in difficult times, the role is still very great, you don't have to borrow money from others, and you don't have to worry about not being able to pay it back.

Because when paying with Alipay, the cost is usually the default choice, and many people consume first and repay later. I am not afraid that I can't afford to pay it back, because Huabei can also repay in installments, and people who use Huabei are generally people who can afford to repay.

Another function of Huabei is the installment function, which allows the merchant to purchase in installments to alleviate the monthly repayment pressure.

The consequences of not paying back Huabei are as follows:

1. From the day of overdue, the penalty interest will be charged according to the daily interest rate, and the longer the overdue time, the more penalty interest will be collected, and the more the customer will have to repay;

2. Because Huabei is associated with Sesame Credit, overdue negative records will be reported to Sesame Credit, and Sesame Score is likely to be affected and may decline. If Huabei is also connected to the central bank's credit report, the overdue situation will also be reported to the customer's personal credit report, and the personal credit will also be damaged;

3. The follow-up Huabei function may be restricted, and the system may freeze the quota due to the increased risk of the account caused by overdue. And if Huabei is overdue on the credit report, the customer will also be hindered from going to the bank or other consumer financial institutions to handle credit business in the future due to credit problems;

4. It is recommended that customers must remember to repay the loan on time after using Huabei, and do not fail to repay. Huabei, like credit cards, provides interest-free period services, as long as the customer can repay the full amount within the specified repayment period, no interest will be generated, and only the principal can be repaid. Brother Potato.

Legal basisArticle 675 of the Civil Code of the People's Republic of China.

The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

How many people in the post-90s generation "don't pay back what they owe Huabei"? After the answer is revealed, Jack Ma should praise the post-90s!

If there is borrowed money, then there is repayment, but in real life, we will always meet all kinds of people who owe money and do not pay it back, they would rather borrow money to enjoy life than make money themselves to ensure their creditworthiness. In reality, there are indeed more of these people, so how many such people are there among Alipay users?

In this regard, Alipay made statistics, and focused on the statistics of the post-90s consumer group. In Alipay's user group, the post-90s account for 40 of the total number of people, and it is already the most influential user group of Alipay, the post-90s not only have a large number of users, but also have strong consumption power and advanced consumption concepts. Therefore, in this survey, Alipay selected the most representative post-90s user group.

In this survey, Alipay selected 200 million users' Huabei consumption data, of which, the post-90s are slightly more than 80 million people, according to statistics, the number of people who owe money is only 1, although the number is relatively large, but on the whole, such a proportion is relatively low.

In other words, among the post-90s Huabei users, only one in 100 people owe money and do not pay it back, which is already a very good performance. It not only reduces the operational risk of Huabei, but also directly indicates the credit performance of post-90s Huabei users, which is worthy of Ma Yun's praise for the post-90s.

In fact, there is nothing wrong with such a result.

First of all, the current credit system has been relatively perfect, the post-90s are now experiencing buying a house, and if they want to borrow normally from the bank, they must have a good credit rating, so the post-90s pay more attention to their own credit. Greater credit awareness. Therefore, when using all the services that may have an impact on your credit rating, you will be extra careful to avoid affecting yourself because of the greed for money.

Secondly, Huabei is very useful, especially in some relatively urgent situations, Huabei can be used for temporary rescue. If you don't pay back the money you owe, it may be difficult to use Huabei again in the future, so few people will not pay back.

Are you still using Huabei? Do you think it's not worth it to hurt your credit in order not to pay it back?

There shouldn't be much, because the post-90s generation also knows that if they do this, it may affect their credit information.

A lot. Because the life of the post-90s generation is more stressful, they like to spend in advance, so they owe a lot of money.

There are many post-90s people who owe Huabei and do not pay it back, and these post-90s generations usually earn more than they spend, and they develop the habit of arrears, which eventually leads to not paying off the arrears.

I think it's a little bit because maybe they can't afford it, they don't have enough money to pay it back.

Very little, now the society attaches more importance to integrity, and it is a matter of integrity if you do not pay back Huabei, and you will not lose a big one because of a small one.

There are still very few people who owe Huabei and don't pay it back, Huabei is a regular platform, if you don't pay it back, you will notify your family if it's overdue for a long time, and basically those who have the ability to repay it will pay it back.

Through various news, we can know that many people owe Huabei and do not pay it back, because many post-90s generations do not have the ability to make money enough, so Huabei can't pay it back at all.