Will Huabei borrowing be closed, and how to close Huabei borrowing

No way. Alibaba has a banking license, and it is an Internet bank, and online financial business is its main business. At the same time, Ali also has a small loan license, which has been recognized by the regulatory authorities.

Judging from the current stage, it will be affected by the domestic environment. Even if there is an adjustment in the business in the later stage, a change of name, and a change in the business process, this is most likely to change the shell, and it is basically the same in essence.

Of course, it will be closed, if your Huabei is often overdue, and I repay it on time, or I don't repay the loan, then you will be forcibly banned, and you will be sued for financial fraud through legal procedures.

For some users, it will definitely be turned off.

In the process of using the debit, the system will conduct a comprehensive evaluation from time to time according to the user's account situation and the use of the debit. Therefore, there may be cases where the previous evaluation cannot be used.

If your borrowing is no longer available, it is recommended that you pay attention to it in the future, as the system will evaluate whether it can be resumed from time to time, and manual intervention is not possible.

Under normal circumstances, the sudden lack of borrowing quota may be caused by the following reasons:

1. Rarely use borrowing; 2. Bad personal credit and overdue records; 3. Excessive personal debt; 4. There are Huabei set behaviors.

If you can't use the loan for the time being, then you can consider using Du Xiaoman Finance to spend money to borrow. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

1. Open Ant Borrowing, you can see the "FAQ" option in the bottom column, click on it to see that there is an item "How to cancel Ant Borrowing", click in to directly see the closing of the loan service, answer the question and click Confirm.

2. Open Alipay, enter my page, open Huabei, click on mine in the lower right corner, pull the screen to the end, click on Other, select Close Huabei, click I still want to close, select any reason for closing, click I still want to close, click Confirm to close. It should be noted that after Huabei is closed, it may not be able to be opened again, and the previous bill cannot be queried, if Huabei is not paid off, Huabei will not be closed, it is recommended to pay off Huabei before operating.

Huabei can also be opened if it is permanently closed.

After the Huabei borrowing service user closes independently, he can apply again, but the system needs to re-conduct a comprehensive assessment and meet the requirements, and it can be opened successfully, and if it does not meet the requirements, it will not be successfully opened.

Although the page may still display the available credit after the restriction is successful, it cannot actually be used for borrowing, so users need to consider it carefully before choosing to close it permanently. If the user just doesn't want to use it temporarily, he can log out or log out temporarily, and there is still a chance to open it again if he wants to apply for it later.

In addition, now the application for Huabei borrowing page will clearly indicate the user's borrowing interest rate, because each user's situation is different, so the approval interest rate will be different, and the user can judge whether it is reasonable and whether he has the ability to repay according to the annual interest rate displayed on the page.

After borrowing, you must take the responsibility of repayment, and do not overdue the repayment on time, otherwise it will be reported to the personal credit report, which will leave a bad credit stain record.

Extended Information] Huabei's full name is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get a consumption limit 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.

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. On May 18, Huabei announced that it would be open to banks and other financial institutions.

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.

Officially launched in April, it is mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.

Ant Huabei has only been online for half a month, and more than 1.5 million merchants have opened Huabei on Tmall and **. Many merchants who respond faster have begun to modify the description of the baby and directly add the words "support Huabei", in order to attract consumers more accurately. The person in charge of Durex Tmall*** told reporters that for new users of Ant Huabei, a product specially launched sold more than 10,000 copies a day, and the inventory was sold out for a week.

The data shows that after merchants access Ant Huabei installment, the transaction conversion has increased by 40%.