Recently, many netizens reported that the flower beds and borrowings were inexplicably closed, which reflected that the use of the flower beds and borrowings was not overdue, and there was no illegal use of the flower beds and borrowings for investment and wealth management. In order to understand these problems, let's first understand what Internet consumer financial services are and what mainstream consumer financial products are available on the Internet.
1. Ant Flower Garden: a consumer financial product owned by Ant Financial, which provides consumer loan services. Users only need sesame credit score above 550, and they can get the corresponding quota, with a maximum limit of 50,000 yuan, which can only be used for daily consumption payment.
2. Ant Borrowing: It is also a consumer financial product under Ant Financial, but it is a cash loan service, providing cash loans and directly withdrawing them to Alipay or bank accounts. Therefore, the use threshold is relatively high, and you need a sesame credit score of 600 or more to get an official invitation to open, up to 200,000.
New features created by Tencent
When Alipay continuously launched more financial services, WeChat began to launch more financial functions. According to the data provided by professional organizations, this social platform is currently applying for the trademark of "pay separately". This function is mainly created to provide customers with applications in different scenarios such as catering, shopping and entertainment. Through this function, users can be helped to consume services by stages.
In addition, WeChat also launched a credit service similar to "borrowing" through the public platform, which can be used without invitation and direct attention.
These two functions carefully created by WeChat are mainly used in consumer occasions. You can't use this function to send red envelopes or transfer money. In fact, it is quite similar to the function of flower beds and borrowing power. After the news came out, many people thought that he was actually a WeChat version of Hua Bai.
From the above consumer financial products, it is not difficult to find a similar feature, that is, there is an upper limit on the credit line, including 50,000 yuan for consumer loan services and 200,000 yuan for cash loans. Perhaps many small partners will ask, there are so many consumer financial services now. If the credit is good and each product has 50,000 credits, then 10 platforms can get 500,000 credits. What if there are 100 credit institutions? Will there be any problems in this? What if the loan runs away?
In fact, in view of this problem, the relevant consumer finance regulatory authorities have long had corresponding regulations. For example, citizens' total consumption loans should be one-third of their average income in the next three years. For a simple example, your average annual income in the past three years is 60,000 yuan, and the monthly income is 5,000 yuan, so the upper limit of the consumer finance loan you can enjoy is 20,000 yuan. But in fact, many users hold thousands of wages in their hands and owe hundreds or even hundreds of thousands of consumer loans. Is it beyond the relevant provisions of consumer finance management?
The answer is yes. Once, a user, loans overdue, couldn't return it, and negotiated with Alipay customer service to stop extending the installment repayment, which took advantage of this. This is a bit threatening, because his monthly income is less than 5000 yuan, but he owes hundreds of thousands of credit loans, which means that the loan lending is illegal, and finally he has to agree to the user's negotiation request to stop and only pay back the principal. Now, after being included in consumer finance companies, flower buds and loan buds are required to be rectified, which is also included. In other words, users who borrowed too much or had too much debt before may face the possibility of being closed down.
In today's society with unlimited material desires, especially the debts of young users have reached a very high level. The latest statistics show that the per capita debt of young users after 1990s has exceeded 654.38+0.2 million. Now Alipay will restrict the use of flower beds and the right to borrow flowers for such high-debt users who borrow too much and raise loans with loans. In other words, the highlight moment borrowed by such users is coming to an end. Once closed, it can only be repaid, not recycled. For many users who rely on loans to support loans, it means reducing a reusable liquidity every month. If the income can't catch up with the repayment bill after the closure of the flower garden and the loan, it will be maintained through other turnover channels, otherwise it will have to wait and see.
Alipay enlarged its tactics, began to deal with such high-debt users, and gradually closed their flower beds to borrow money, which will bring great pressure to these users in the short term, but in the long run, it can also put an end to the phenomenon of raising loans with loans and borrowing through multiple channels in the future, and fundamentally solve the problem that young people do not blindly overdraw consumption and borrow excessively. What do you think of this?