1. The merchant has not opened the flower bud service or the goods are not supported. It is recommended to operate the payment in a store that supports the payment of flowers.
2. If multiple goods are paid together, and one of them does not support the payment of flower buds, flower buds cannot be used in this merger transaction.
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.
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I. What is a flower bud?
1, Flower Garden is a scene-based credit consumption tool in the Internet age. It has been with you for almost three years since it was launched, and will help Huabai blow out the candles of the third birthday cake on the 27th of next month. From the very beginning, you can only pay online, and now many industries, such as restaurants, supermarkets, convenience stores, tourism, public transportation, etc., accept consumers to pay for flowers. Recently, Huayuan has also begun to try to access the fields of people's livelihood such as medical care and education, hoping to provide users with more convenient services.
2.86% of Huayuan users are young people born after 1980s and 1990s, and many Huayuan users do not have credit cards. The use of flower buds can help young people reduce the pressure of life, such as buying furniture and electrical appliances by stages and improving their quality of life. At the same time, it can also enable young people to better accumulate their own credit, so as to obtain better financial and living services in the future.
Second, how much quota can these main young users generally get?
The quantity of flower buds cannot be generalized, and the quantity of different users is different. For example, many college students will find that the consumption quota of themselves and other students has never exceeded 2000 yuan. In fact, most young people spend between 1000- 1600 yuan.
3. Have you considered the risk that the amount given exceeds the affordability of some young people and even leads to excessive consumption?
1, Huayuan will give the quota after comprehensive evaluation according to the user's credit ability, consumption habits, income, assets and other conditions.
2. 100% We don't encourage young people to spend too much. Although most people spend 1, 000- 1, 600 yuan, in fact, they spend only 349 yuan a month on average, mainly on online shopping, telephone recharge, convenience store restaurant consumption and cycling, and the average unit price is not more than that of 30 yuan. Their consumption situation is more rational than many people think.
3. Many young people are financially conscious and can make good use of the interest-free period of flower beds. They will transfer their monthly living expenses to Yu 'ebao to earn income, first pay their daily consumption with flower beds, and then pay their living expenses next month.
4. Is it to encourage users to buy desperately at buy buy, and to spend money on double 1 1 today and tomorrow?
1, because the double 1 1 offer is stronger, compared with usual, users' consumption demand and ability will be improved, and we have also received many users' demands for flower buds from social platforms and official customer service channels.
2. According to the user's demand and actual situation, Baihua Shuang 1 1 opened a temporary line for some users, and the temporary line automatically became invalid after the end of Shuang 1 1, and it was not permanent. Bai Hua users also use the temporary quota reasonably. More than 96% of post-1995 Bai Hua users use the temporary quota that does not exceed 500 yuan.
5. What is the repayment situation of these young people?
After 90, the timely repayment rate of flower buds users exceeded 99%, and the timely performance rate of the post-95 group was higher. Although they are young, their understanding of credit is not worse than that of many people.