If you don't agree with the service upgrade of the flower bed, it will affect the subsequent use of the flower bed. Because with the adjustment of the country's online lending policy, many online lending platforms need to access the central bank's credit information, so Huayuan also needs to upgrade its services to continue to use it. If users don't upgrade, it is possible to reduce the quota of flower beds or even close the flower bed service.
In fact, after the upgrade of the flower garden service, as long as users maintain good habits and have no overdue behavior, it will not have an impact on personal credit information. Moreover, after the upgrade of Bai Hua, users can get better service, and the chances of getting cash withdrawal will greatly increase, because there are more financial institutions lending.
As soon as the ant flower buds went online, they were strongly sought after by online shoppers. According to statistics, 33% of users in Bai Hua are post-90s, 48.5% are post-80s, and 14.3% are post-70s. It can be seen that compared with other payment methods, ant flower buds attract more new generation consumer groups.
For young users, the attraction of ant flower beds is that they can be purchased by credit line, and the longest interest-free period can reach 4 1 day. Among the users of ant flower beds, hipsters and foodies have become the main force. The data shows that among the goods purchased by ant flower buds, women's fashion products such as women's wear, accessories, beauty and skin care, handbags and women's shoes account for more than 20%; Snacks, specialties, drinks and other foods ranked second with 10%; Followed by digital, maternal and child supplies.
The data also shows that users use ant flower beds more through mobile phones, and their mobile transactions account for 60%. At present, it includes function opening, bill inquiry, repayment and so on. The ant flower garden has all realized the mobile application operation. With the increasing popularity of mobile payment, ant flower bud is expected to become a killer mobile payment application.
According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models.
The amount of ant flower buds is rewarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quota is also dynamic. When users behave well and meet the quota policy for a period of time, their corresponding quotas may increase. Ant flower beds cannot be opened or raised by others. Please don't trust others and don't disclose personal information.
Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months.
The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.
Bai Hua does not agree to the service upgrade. Does it still work?
When using Alipay flower buds, there will always be a window to upgrade services. If you don't want to upgrade the service, then Hua Bai doesn't agree that the service upgrade can still be used.
Bai Hua does not agree to the service upgrade. Does it still work?
Bai Hua does not agree that the service upgrade will affect the use of Bai Hua. According to the requirements of the national credit information management department, the credit information work will be completed gradually and orderly, and effective authorization will be obtained before reporting the credit information. If you don't agree to upgrade all the time, it will affect the normal use of flower buds in the future.
The following requirements must be met when the Newcomer Edition of Huabai is upgraded to the Standard Edition of Huabai:
The new Huayuan needs to complete the real-name authentication, and the new Huayuan has no arrears. You can try to upgrade to a standard user of Huayuan. After the upgrade, the new bill can be queried as a historical bill.
Operation Path: Log in to Alipay and enter the new page of Bai Hua-set the button in the upper right corner-upgrade Bai Hua.
Tips:
1. Whether there is an upgrade entry depends on the page.
2. Whether the upgrade can be successful after supplementary information is subject to the page display.
This paper takes opporeno7 as an example, which is applicable to Alipay v 10.2.60 version of coloros 12 system.
Bai Hua prompts service upgrade. Will refusing to upgrade be blocked?
If you refuse to upgrade all the time, you will be banned, because Huaya has clearly mentioned this issue in the notice of service upgrade. If the user has any objection to the updated APP content, the system will immediately stop all services of the flower garden, that is, if the user continues to use it, it means that he agrees, otherwise the flower garden can no longer be used.
Although the content of Garden is implicit, it is very clear. If you don't agree to report the information to the central bank's credit information system, Huabai may face the possibility of reduction or even closure. In the short term, if the service is not upgraded in time, the quota may be reduced. In the long run, if it is not upgraded for a certain period of time, being shut down is a high probability event.
Why do you say that? Because whether to upload user information to the central bank's credit information system is not the decision of Ant Financial, but the regulatory authorities have the final say.
5438+065438+2020 10, China Banking and Insurance Regulatory Commission and China of China People's Bank issued a document entitled "Interim Measures for the Administration of Internet Microfinance Business (Draft for Comment)".
This opinion draft was launched before the listing of Ant Financial, with a clear purpose of regulating the small loan behavior of some large platforms.
In the past few years, online small loans on various platforms in China have developed very rapidly. Some platforms have more than several hundred million users and high credit balance. At the peak, the credit line of Ant Flower Garden reached10.7 trillion.
However, before the promulgation of the Interim Measures for the Administration of Internet Microfinance (Draft for Comment), Bai Hua was not actually included in the supervision system of the China Banking Regulatory Commission, because the main borrowers of Bai Hua and Jiebai were Chongqing Ant Small Loan Co., Ltd. and Chongqing Ant Shangcheng Small Loan Co., Ltd.
These two lending institutions are not regulated by the China Banking and Insurance Regulatory Commission, but by the local financial office. But for a big platform like Ant Financial, its scale has even surpassed that of some medium-sized banks. If it is not included in the supervision system of the CBRC, it may be difficult to estimate what happens in case.
Therefore, the Interim Measures for the Management of Online Microfinance Business (Draft for Comment) specifically regulates the operation of online microfinance companies.
This opinion draft not only clearly stipulates the establishment threshold, registered capital, leverage ratio and business scope of online microfinance companies.
Article 16 also explicitly mentions that microfinance companies operating online microfinance business should access credit information systems such as the basic database of financial credit information, as well as personal credit information institutions and enterprise credit information institutions approved by the People's Bank of China for filing, and submit, inquire and use relevant credit information according to law.
According to this regulation, users' information must be reported to the central bank's credit information system before they can borrow and spend money. If the user does not agree to access the central bank's credit information system, it will not meet the requirements of the regulatory authorities. At that time, spending money will not be able to continue to provide credit services and can only be closed.
Therefore, for users who want to continue to use the flower garden, they can only agree to upgrade the flower garden service and report their personal information to the central bank's credit information system.
Many friends may worry that reporting information to the credit information system will affect their credit information report, and then applying for mortgage, credit card or other commercial loans will be affected.
There is absolutely no need for everyone to worry about it. There are two ways to upload flowers to the central bank's credit information system. One is uploaded in the name of ant consumer finance, and some are uploaded in the name of cooperative banks, such as Bank of Beijing and Bank of Nanjing.
As for which name to upload, the key depends on which product you use. The upgraded flower buds are divided into two products, one is credit purchase and the other is original flower buds. These two brands are independent of each other.
If you use credit to buy, then the credit report reflects the bank, and if you use Bai Hua, the credit report reflects the ant consumer finance.
But no matter which product is used, as long as the repayment on time is not overdue, it will not have much impact. After all, flowers are not only known to everyone, but also to banks. Therefore, as long as everyone is not overdue, the bank will not deliberately make things difficult for everyone, unless everyone is overdue or the balance of flowers is too large.