Iakutiao payment is equivalent to you buying goods, and the merchant helps you advance the money. Later, you return the money to the merchant through your credit card. It is a means of promotion. When you use Baitiao to pay, the available amount and upper limit are related to your own creditworthiness. When you use a credit card, you can see your past creditworthiness.

1. To write a white note, that is, in the name of an individual or an organization, write on a white paper the words to prove the receipt and payment or the delivery of goods, and use it as an invoice to serve as the original voucher.

2. Replacing invoices with receipts

This method is often used to evade taxes. Some individual private owners, when facing consumers as individuals, only issue receipts to prove this. An economic business occurs without issuing invoices in order to avoid inspection by the tax authorities and evade taxes.

3. Use invoices not according to the specified purposes, such as using retail or wholesale commercial invoices instead of catering service industry invoices.

4. Failure to issue invoices in accordance with invoice regulations.

For example: no special financial seal is stamped, relevant personnel do not sign, etc.

In today's economic life, "white slips" are often used to report accounts. Some units purchase goods and pay labor costs without obtaining official invoices, but use receipts or handwritten white slips to enter accounts; some units and individuals The company's cash or bank deposits were borrowed under some pretexts. Due to various reasons, the money was spent and there was no official invoice. In order to make up for the shortage of cash or bank deposits, most of them used "white slips" that did not comply with the financial system regulations (such as by The business handling personnel write a paper explanation, and some even do not sign it but have the accountant make an explanation, etc.), and there is no strict review and control of the authenticity and legality of the "white note". For example, in order to provide more "welfare" to employees, some units have the manager withdraw cash in the name of paying 20,000 yuan in labor fees to a certain company and pay it directly to the employees. However, the person in charge does not obtain the labor fee invoice from the other company, but pays it to other companies. Issue an explanation and stamp it with the general manager's office seal and record it in the account.

A function called "Huabei" appears on the Alipay page, which is similar to credit card products. Consumers can purchase products through Huabei and repay the money next month.

Huabei is an online shopping service provided by Ant Microcredit to consumers to "buy this month and pay back next month". Consumers can use Huabei to shop on Taobao and Tmall, and they can repay before the 10th of the next month after receiving the goods. After repayment, the consumption limit will be restored. The longest interest-free period can be 41 days. If there is an unpaid balance after the period, consumers need to pay a fee of 50,000 per day, and the interest is compounded, which is roughly the same as a general bank credit card.

Whether it is JD.com’s Baitiao or Alibaba’s Huabei, there are two main differences with credit cards. One is the difference in card issuance behavior. Credit cards require strict qualification review, and credit consumption is based on big data. The credit granted; on the other hand, the scope of use is different.