Will Huabei and Borrowing be taken off the shelves?

It's definitely not going to stop. Huabei and borrowing are the same as credit cards, and credit cards exist the same. There may be this kind of thinking because the listing of Ant Financial was stopped, and everyone thinks that Ma Yun is going to fall, and maybe Huabei and Borrower will also be implicated and stopped.

First: the nature and risks of Jack Ma's Ant Financial.

I am a customer of Alipay and have a high Sesame Credit score, so I borrowed 10,000 yuan with an annual interest rate of 10% on Alipay. Jack Ma approached the bank and said to them, we have evaluated this by using high technology (big data, artificial intelligence, Alibaba Cloud, etc.) to be a good customer, and we can lend him money directly. Then let's cooperate, the specific plan makes me contribute 1% of the funds, and you contribute 99% of the funds; Then the 10% interest is half for each person.

The bank counts. You provide technology, I provide financial assets. The principal of the bank is 9,900 yuan, and the interest is 500 yuan.

of earnings. The benefits are okay. Jack Ma calculated.

I only need the principal of 100 yuan and the interest of 500 yuan. 500% gain. Even more.

Then the two parties hit it off. So, what are the risks of them doing so? Alibaba is mainly foreign-owned, state-owned assets are dominated by banks, and the main harvest is the money of Chinese micro and small enterprises and young people, and if most of them are unable to repay, then it will be the banks that are unlucky.

Because at this time, Alibaba made money and had already moved abroad. That's why Ant Financial was called to stop and asked them to make rectifications.

Second: the nature and risks of Huabei.

The essence of Huabei is a credit card. And it is to improve the judgment of Alipay's big data on personal credit to formulate the limit, which is more convenient and faster than applying for a credit card, and it facilitates our life and shopping.

Third: the nature and risks of borrowing.

The essence of borrowing is a line of credit. Unlike bank loans, which require collateral. The general amount of borrowing is relatively low, and the daily interest rate of 10,000 yuan needs yuan.

Understanding these, we know that Huabei and borrowing are a pure credit product, this is the same as a credit card, it is inevitable that bad debts will be generated, people who have no spending power use Huabei borrowing to consume in advance, resulting in inability to repay, which is what we don't want to see, but social progress can not be banned because of choking, all financial products are banned, as long as it is within the reasonable range of national supervision, it is no problem.

No. Because now there are many people in China who use it, even people from abroad. If it is taken off the shelves, it will have a great impact on the people who are using it.

And if it really comes to the present time, it is likely to be taken over by the ** bank, and then handed over to other financial institutions for processing.

Of course not. These two businesses are Alipay's main income**, accounting for a particularly large proportion, so they will not be taken off the shelves.

Probably not, because many people now use these two tools, and they have been integrated into people's lives, and they are inseparable from these two things.

There is no downline. 1.First of all, in 2021, the state will more strictly supervise online credit platforms, in fact, Alipay has the most familiar ant borrowing.

Although the two major credits of Huabei may be affected, they are not offline at present, and they can be used normally, and users do not need to worry too much.

2.That is to say, Huabei and borrowing may cooperate with national supervision in terms of relevant regulations and make some adjustments, but they will definitely not be offline, after all, Alipay, as a leader in the mobile field, is a product of the times, and it is also the demand of the intelligent era, it is impossible to be offline so easily, even if there are relevant adjustments, it will be adjusted and rectified.

Extended Materials. 1.The full name of Huabei is Ant Huabei.

It's Ant Financial.

A consumer credit product launched, after applying for opening, Lingshan 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 launched on the Shanghai ** Stock Exchange.

listed, which is also the Shanghai Stock Exchange.

The first Internet consumer finance ABS.

2.As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

3.Ant Huabei has been officially launched since April 2015 and is mainly used on Tmall.

** On shopping, it has been loved by the majority of consumers, especially after 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.

4.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. Durex.

The person in charge of Tmall told reporters that for new users of Ant Huabei, an old-fashioned product was specially launched, which sold more than 10,000 copies a day, and the inventory was sold out in a week. The data shows that after merchants access Ant Huabei installment, the transaction transfer to Wang Yuanhua has increased by 40%. During the 2015 Double 11 period, Ant Huabei gave full play to its product capabilities of worry-free payment, with a total of 60.48 million payments throughout the day, accounting for the overall transactions of Alipay.

Huabei. It is still in normal operation, and there is no official information that it has been taken off the shelves.

Of course, Huabei's credit group, quota, and post-loan management.

It is true that a lot of changes have taken place, so it has directly led to some user quotas being frozen, withdrawn and unusable, these are only a small number of phenomena, not universally unusable. For example, for users who do not have a stable job income, Huabei has a credit line for users out of regulatory requirements and repayment considerations.

The reduction, especially among young college students, is that many of them only have a few hundred or a thousand yuan.

Extended information: Huabei has not been removed from the shelves and is still in normal operation. If the customer can't use Huabei and enters the Huabei page and is "gray", it is not that Huabei is off the shelves, but that there should be a problem with some aspect of personal credit, which caused the system to suspend the Huabei account.

There are many reasons why Huabei is frozen, such as the recent overdue repayment, which has caused personal credit to be damaged, and the amount has been frozen; or illegal cash-out operations, resulting in an increase in account risk, thereby being controlled by the system.

Or due to the frequent lump sum consumption of Huabei and the frequent consumption of Huabei in the same store, the system is suspected of cashing out, which also triggers system risk control. In the past, although Huabei would be collected when it was overdue, the record of dishonesty would only be kept on the Alipay platform, which affected the sesame credit of individual users.

However, most of the funds have been connected to the central bank.

Credit information, and will continue to improve in the future, so the overdue date of Huabei will directly affect the personal filial piety credit report.

It will have a direct negative impact on subsequent borrowing.

In addition, you also need to note that if you always change devices to log in, keep modifying account information, change mobile phone numbers, change bank cards, etc., it is also easy to trigger system risk control, resulting in Huabei being unusable. Therefore, in order for Huabei to be used normally, the above-mentioned risk operations must be avoided, and to maintain personal good credit, Huabei must remember to repay on time after consumption.

Operating environment: vivos6

Alipay:

Of course, Huabei's credit crowd, quota, and post-loan management have indeed undergone a lot of changes, so it has directly led to some users' quotas being frozen, withdrawn and unusable, which are only a small part of the phenomenon, not universally unusable.

For example, for users who do not have a stable job income, Huabei has reduced the credit line of users due to regulatory requirements and repayment considerations, especially college students among young people, many of whom only have a few hundred yuan or a thousand yuan.

In the past, although Huabei would be collected when it was overdue, the record of dishonesty would only be kept on the Alipay platform, which affected the sesame credit of individual users.

However, Huabei has been largely connected to the central bank.

credit information, and will continue to improve in the future, so Huabei's overdue will directly affect the personal credit report.

It will have a direct negative impact on subsequent borrowing.

As of January 14, 2022, Alipay Huabei has not been taken off the shelves.

Some users have reported that their Huabei is suddenly unusable, so the problem may be in the following aspects:

1. Less use

Huabei is a personal consumption credit loan product in Alipay, the ultimate purpose of the product is to make a profit, if you rarely use it after opening Huabei, then the system will think that you don't need the function very much, so you may reduce your Huabei limit, or directly close your Huabei limit.

2. Overdue repayment

Huabei has a repayment period, users need to repay the arrears in accordance with the regulations after using Huabei, but in practice, there are many people who are overdue for various reasons, if you are often overdue, or overdue for a long time, and the overdue amount is large, then Huabei may turn off your Huabei use function in order to control the risk.

3. Huabei cash-out

Many people like to use Huabei to consume because Huabei provides users with an interest-free period for repayment, and some friends choose to use Huabei to cash out in order to have an interest-free period when they encounter cash needs, but cashing out is not in accordance with the regulations, once the user is detected to have arbitrage behavior, then risk control measures will be taken for their accounts, and if the circumstances are serious, not only will the account be closed, but also may be held legally responsible by Huabei.

To sum up: Huabei is not closed, as long as you meet the credit conditions of Huabei, you can continue to use the function, but if you have overdue repayment, Huabei cashing out and other violations in the process of using Huabei, then it may lead to Huabei being closed.

No, some of the current Huabei can be used normally. However, some users with credit problems or low ant credit Alipay will reduce the Huabei limit or even close your Huabei. Therefore, only by maintaining good credit can you use Huabei normally. Spending wisely is important.

Alipay Huabei has not been taken off the shelves. And it is very normal to use it, and Huabei payment is the first choice when paying. At the moment they are all rumors, if anything goes wrong. Users should be notified as soon as possible.

Alipay Huabei has not been taken off the shelves. Normally enter Alipay, there is still a Huabei option. And Huabei is a major option for Alipay.

No. Maybe you haven't been using Alipay for a long time. So. Or maybe you don't have enough sesame seeds. So I didn't open it for you.

Alipay's Huabei has not been taken off the shelves and still exists, and this rumor is not credible.

If it is not taken off the shelves, it may be that there is a problem with your personal credit and your Huabei has been closed. If you owe money and you are worried about receiving a lawyer's letter to demand payment.

Alipay Huabei is now in normal use, and it is not off the shelves, which is still more convenient.

Huabei has not been taken off the shelves, and it is operating normally so far, are there any other questions about Huabei?

Alipay Huabei has not been taken off the shelves.

It can still be used.

Huabei in Alipay must also be taken off the shelves, and you can also find it in Alipay, there is a small program function, which is Huabei.

Alipay Huabei has not been removed from the shelves and is still in normal use.

Dear, hello, Alipay's Huabei function has not been taken off the shelves, only for individual groups who cannot use the Huabei function temporarily, and those who cannot use Huabei may consider that there is a problem with your credit information.

No, in normal operations, there is no official news showing that it has been taken off the shelves. Of course, Huabei's trusted population, quota, and post-loan management have changed.

It is understood that the news about Huabei's removal from the shelves in 2021 is untrue and has been used normally. In fact, the reason why there are rumors that Huabei is off the shelves is due to the misunderstanding and spread of rumors by individual users. Because some users used it inappropriately, Huabei was closed, or the quota was reduced to zero, which was considered by some to be permanently closed.

It is a fact that Huabei has strengthened risk control management. As a result, some users' Huabei was closed or their quota was reduced. However, these users have their own problems that lead to this result.

It is reported that illegal cash-out, overdue repayment, and long-term borrowing will lead to the closure or reduction of Huabei.

In addition, Huabei has lowered the quota for some users, and also increased the quota for some users with excellent qualifications. If you use Huabei often, repay on time, and have a good credit report, then you are eligible for an increase in the limit.

Alipay Huabei has not been taken off the shelves. A lot of software in Alipay has been taken off the shelves, but Huabei can still operate normally.

Alipay is also for internal applications have also launched a product health plan,All products online in Alipay need to be assessed,The standard of assessment is also user satisfaction,When an application is not satisfied with Alipay,And continue to be at the bottom of the ranking,Alipay platform will remove the relevant products from the shelves or require rectification。 For nowThere have been a number of products in Alipay that do not meet the user's satisfaction standards and have been required to be removed from the shelves.

Judging from the information released by Ant Group, as of nowThere have been 29 products with poor user satisfaction on Alipay that have been removed from the shelves, and the follow-up Alipay platform will also strictly control the applications on the platform, and continue to remove some products with low user satisfaction.

In fact, in addition to payment, and around the payment are the core functions, at the same time, on the basis of the payment function to establish financial and other functions, has been convenient for daily life phone bill recharge, water and electricity bills, network bill payment, also belong to the core functions, these functions of course can not be subtracted, in addition to these functions, most of the functions are actually redundant, these redundant functions can be optimized.