I want to know about orange staging, do you know?

1. Definition: Orange installment is the HP financial services provided by Wing Pay to consumers, such as personal credit payment and commodity installment consumption, and consumers can enjoy a variety of services such as credit installment, credit consumption, and credit cash withdrawal by virtue of personal credit.

2. Opened channel: ePay client.

3. User level: ePay user (debit card needs to be bound during the process).

Business rules. Card binding rules.

Only debit cards in the user's name are supported, and credit cards are not supported for the time being. The list of supported banks can be viewed on the interface of adding bank cards on the ePay client (the bank list information is updated in real time).

User age restrictions and job requirements.

1. Age limit: Only users between the ages of 18 and 60 are supported, subject to the age of the ID card.

2. Job requirements: not limited to local hukou, local residence and local work are preferred; If you have no job but have a stable income, you can also apply for it, but the credit approval rate is lower than that of other groups.

Number rules. Mobile numbers, Unicom numbers, and telecom numbers can all be handled.

Star Rules. EPay users can handle it, and they need to bind their real-name and debit card during the process, and complete real-name authentication. After the completion of the process, the user will be upgraded to at least 2 stars according to the star rating rules.

Repayment Rules. 1. Repayment time: After the completion of the business, the 10th of the next month is the latest time for the first repayment, and the system automatically withholds the repayment time on the 8th-10th of each month, and the other times need to be actively repaid.

2. The automatic deduction sequence of the system: the balance of the wing payment (both can be withdrawn and cannot be withdrawn), and the repayment bank card bound secondly, only a single source of funds is supported for one deduction.

3. Active repayment: The user specifies a single source of funds for repayment, and supports the withdrawable balance, non-withdrawable balance, or bound repayment bank card of ePay.

4. Overdue fines: Public users will start to record fines after the 10th of each month, including late fees and liquidated damages, and the overdue fees for different periods of repayment will be calculated separately.

1) Liquidated damages: From the 11th of each month, liquidated damages will be charged at 4 times of the benchmark interest rate of the bank loan for overdue payments.

2) Late fee: Late payment fee will be charged according to the overdue payment per day (less than 30 yuan will be calculated as 30 yuan).

For example, if the user should repay 400 yuan in the current month and is overdue for 14 days, he should bear the late fee = max(400*,30)=max(28,30)=30 yuan, and the liquidated damages = 400*4*yuan; Total repayment = 400 + 30 + yuan.

5. Overdue information: The user's repayment behavior will be reported to the corresponding credit reporting agency, and the user is required to repay or pay in a timely manner** to maintain a good credit record.

This is Sweet Orange Finance, which is the same as Wing Pay, and it is still very easy to use.

Buying a mobile phone in installments is not new, but the merchant pays the monthly payment for the consumer, and finally after the end of the contract period, the equivalent discount for the user's purchase of the phone is realized, so the orange installment is quite popular.

Telecom Orange Installment is a financial product created by Telecom "Wing Pay". The goal is to make the mobile phone of the choice available to people with financial pressure. If a customer wants to run a broadband and wants to buy a mobile phone, but does not have so much money, now as long as the user handles telecom broadband and pays on time every month, Telecom can use orange installments to send a mobile phone, specifically to freeze the Huabei quota first, and repay the telecom monthly in 24 months.

Orange Installment is an HP financial service provided by Wing Pay to consumers, such as personal credit payment and commodity installment consumption, and consumers can enjoy a variety of services such as credit installment, credit consumption, and credit cash withdrawal by virtue of personal credit.

The card binding rules only support debit cards under the user's own name, and credit cards are not supported for the time being. The list of supported banks can be viewed on the interface of adding bank cards on the ePay client (the bank list information is updated in real time).

Summary. Orange Installment is a product launched by Tianyi E-commerce, a subsidiary of China Telecom, and the target customer group is telecom consumers. When the customer handles telecommunications**, he can apply on the client side of Yi Pay, and the corresponding amount will be given after review.

This amount can be used to pay for goods, after the business is completed, only the user needs to pay the phone bill on time every month, you can get the returned red envelope for product installment repayment, enjoy credit installment, credit consumption, credit cash withdrawal and other services.

Orange Installment is a product launched by Tianyi E-commerce, a subsidiary of China Telecom, and the target customer group is telecom consumers. When the customer handles telecommunications**, he can apply to the client of Yipay, and the corresponding amount will be given after review. This amount can be used to pay for goods, after the completion of the business, only need the user to pay the phone bill on time every month, you can get the red envelope returned to the cover for installment repayment, enjoy credit installment, credit consumption, credit cash withdrawal and other services.

When handling the orange installment business, the staff will tell the user that the orange installment repayment is the automatic repayment of Boyuan, but in fact it is not, resulting in the user's credit investigation being overdue; In addition, after the orange installment is opened, there is still a phenomenon of deduction for each base holding month; In the end, the good rebate cannot be in place, sometimes there are and sometimes not.

Telecom Orange Installment is a relatively obvious online loan product. **Application and online review, after all, there is no face-to-face signing step before the loan, and the entire application process is carried out on **. However, online loan products generally have a higher loan interest rate, so users must consider it carefully before applying to see if they can accept this loan interest rate.

1. The essence of Internet finance is still finance, and the characteristics of concealment, contagion, extensiveness and suddenness of financial risks have not changed. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

2. Online lending[2] includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

3. Online credit originated in the United Kingdom, and then developed to the United States, Germany and other countries, and its typical model is: online credit companies provide a platform, and the borrower and borrower bid freely to match transactions. In the traditional P2P model, the online lending platform only provides the borrower and the borrower with information circulation interaction, information value determination and other services that facilitate the completion of the transaction, and does not substantially participate in the chain of lending interests.

In China, because the citizen credit system has not yet been standardized, the traditional P2P model is difficult to protect the interests of investors.

The new orange installment is still reliable, first of all, now if you want to lend on the Internet, you must have a reputation and have been reviewed and supervised, although the platform is not large, but the new orange installment has the relevant business qualifications, pay attention not to overdue.

The strength of the new orange installment platform

Xincheng Installment is an online lending platform jointly operated by Jinzhong Longxin Internet Microfinance Company and Xinliu Big Data Technology Company. Shareholders of Newstream Big Data Technology include SoftBank China Capital and Qihoo 360. In terms of platform strength, the new orange installment is not too bad, but it can't be compared with lending.

It can be seen that the reliability of the new orange staging is at a moderate level.

New Orange Installment is a pure credit loan platform that does not require collateral and guarantees, and does not require much application materials for borrowers. Generally speaking, if the borrower provides ID card information, mobile phone number information, bank card information, and sesame points of more than 580 points, he can apply for a new orange installment in Qingsanji. In the whole process, the risk that everyone has to take is relatively small.

From the user experience, the new orange installment is not bad, and few people complain or complain about this online loan platform. However, when using it, you still need to read the loan contract carefully to understand the loan interest and how to pay it.

New Orange Installment Overdue Consequences

After the new orange premium product is overdue for a period of time, everyone's bad record will be reported to the credit bureau. For people with serious negative credit information, it is very difficult to apply for loans and credit cards.

After the borrower is overdue, New Orange will arrange staff to collect, and at the beginning, the staff of New Orange will collect in the form of ** and text messages. With the extension of the excavation chain period, the collection of new orange products will become more and more intensive.

Like other online loan platforms, penalty interest is indispensable after the new orange premium is overdue. The penalty interest is calculated on a daily basis, which is higher than the normal loan interest and needs to be settled by the borrower at the time of repayment.

"Telecom Orange Installment" is actually a financial service provided by ePay to consumers, such as personal credit payment and commodity installment consumption, and customers can enjoy credit installment, credit consumption, credit cash withdrawal and other services with personal credit. For example, customers can purchase a machine through orange installments, or apply for broadband**. As long as the customer's area has carried out orange installment business, and the individual is between the ages of 18 and 60, then he can bring his ID card and bank card to the telecommunications business hall near where he lives for consultation.

After purchasing a phone or broadband with Orange in installments**, the cost is automatically deducted from the monthly mobile phone bill agreement network fee, and the customer guarantees that the mobile phone is not in arrears (the corresponding amount of Huabei may be frozen, and it needs to be restored gradually with the customer's monthly repayment). If there is an overdue situation, it will affect the personal credit report. The same person can only apply for the orange installment business once at the same time, but after paying it off, it can be applied for again.

The offline loan review speed will be relatively slower, because the offline loan has a fixed process to go through, and the review will take more time. For users, applying for orange installment can get a faster review result or get a loan faster, but the loan interest rate will be higher than that of offline loans.

Wing Payment Cancellation Method:

1. The user voluntarily logs out. Only when the balance in the user's ePay ** account and ePay mobile wallet is zero, the account can be closed. Individual users can call China Telecom's customer service** and consult the local China Telecom business office for processing; Approved and silently opened ePay accounts can be cancelled by calling ePay's official customer service**.

2. Passively cancel the account. After the user reaches the specified time limit due to the shutdown for specific reasons, the mobile phone number is the telecommunications system**, the user status becomes the account is cancelled and the phone is dismantled, and the wing payment account is passively cancelled. If there is still a balance in the user's ePay account and wish to process this part of the balance, the user can call ePay customer service** and the customer service staff will handle it, and the user can choose to transfer the balance to another ePay account or bank card.