What will be the impact of Huabei s launch of brand isolation?

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.

Huabei will mainly meet the small and medium-sized consumption requirements of users, and the quota will be set within 10,000 yuan. There are pros and cons to this adjustment, the advantage is that users will be controlled not to spend money at will, and in the end they owe tens of thousands of dollars, and the disadvantage is that users who really need money can only borrow less than 10,000 yuan.

Huabei has started the brand isolation work, and after the brand isolation, Huabei will mainly meet the daily small and medium-sized consumption needs of users. The "Credit Purchase" service is a type of consumer credit service that is fully funded by banks and other financial institutions and independently approved and granted credit, which can meet the needs of some users for more credit. Huabei has formed an effective isolation and differentiation from other consumer credit products operated independently by other financial institutions.

This initiative helps users to better understand the information of service providers, avoid brand confusion, and better comply with the regulatory requirements of consumer credit. First of all, the Huabei page has changed, from "Huabei" to "Huabei丨Credit Purchase", and two types of services appear below the bill, one is "Huabei", and the other is "XX Bank Credit Purchase". Secondly, in terms of payment methods, "Huabei" and "Credit Purchase" are independent.

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.

In my opinion,After Huabei initiates brand quarantine, it will not have a great impact on people。This is because Huabei is only brand isolation, not a stop, and the amount has not changed. In such a situation, people are naturally not greatly affected.

In essence, Huabei's initiation of brand isolation is just a corporate strategy, in order to facilitate Huabei to accept the supervision of relevant departments, and to make Huabei's rules more perfect. Therefore,Huabei's launch of brand isolation is only a change at the enterprise level, and this change has little impact on Huabei users. Even after Huabei completes the brand isolation, it will not change much, and users can still use Huabei according to the previous quota.

As a simple example, when people used Huabei before, they used the Huabei quota when paying. But after the brand is quarantined, people can still use Huabei's quota to shop, but Huabei has become Huabei credit purchase. Therefore, from the user's shopping process, whether the user uses Huabei or Huabei credit purchase, it will not have any practical impact on the user's shopping behavior.

Of course, from the perspective of repayment, the user's previous repayment to Huabei was directly repaid to Huabei, but after Huabei started brand isolation, the user repaid to Huabei Credit Purchase, and the previous installment bill was also transferred to Huabei Credit Purchase accordingly. Therefore, from this point of view, after Huabei starts brand isolation, it will still be more or less different from before. But no matter how it changes, Huabei is still Huabei, for most users, it just changed its name, and there is no change in essence, and users will naturally not be affected too much.

To sum up, after Huabei starts brand isolation, people will not be greatly affected by this. In other words, people can use Huabei when shopping as before, but remember to repay on time every month and not affect their credit information. In addition, you should remember not to overspend or overspend, but to spend as you need to avoid a credit crisis.

The impact on consumers is relatively large, because some businesses cannot use Huabei, and consumers will have a lot of inconvenience when using it. It is very troublesome to often use Huabei and also go to the credit report.

There is an impact, if we fail to repay it within the time limit in the future, then this problem will be on the credit report, which will affect our future loans.

Yes, we have a lot of restrictions when we use these things, and a lot of our things can change.