Today, "Huayuan will be fully connected to the central bank’s credit information system" boarded the hot search and once dominated the list.
According to the prospectus previously released by Ant, Alipay has more than 1 billion active users each year, and about 500 million people use flower beds. It is understood that as early as 2019, some Huayuan users accessed the central bank’s credit information system. Since last year, the speed of flower beds has accelerated, and a large number of flower beds users have access to the central bank’s credit information in the form of "product upgrade".
At present, there are still some old users who are not connected to the central bank’s credit information system because they have not accepted the "upgrade". However, new users who want to open a flower garden must access the central bank’s credit information system.
It is foreseeable that in the future, the credit information service will gradually cover all flower garden users. The records of these users’ flowers will also be uploaded to the central bank’s credit information system.
Does the flower garden "go to the credit" affect the mortgage?
"The frequency of microfinance has increased, and regular mortgages cannot be put down." "When mortgage loans are made, some banks will require borrowers not to have consumer loans for nearly three months."
After Hua Bai was connected to the central bank’s credit report, many netizens also expressed their concerns on the Internet.
It is reported that the information submitted by Hua Bai to the credit information system includes the opening date of the account, the credit line, the use of the line and the repayment situation. At present, on the basis of obtaining the authorization of users, some users have been able to find the record of flower buds in their own credit report.
This means that if you have dozens of loan records in a month, regardless of the amount, it will be displayed on the credit report.
"If you need a loan for tens of yuan and frequently borrow money, the bank will think that you are short of money." A flower garden user told Tiger Sniff that there are many users who are worried that their consumption records of several yuan and several tens of yuan will be printed on the credit report one by one, thus affecting the higher amount of loans in the future.
Hua Bai clarified that normal use of Hua Bai and good habits of use and repayment will not affect the credit record, nor will it lead to loan difficulties, and more than 99% of Hua Bai users have good use records.
Yu Baicheng, president of Zero One Research Institute, also told the Securities Daily that once the flower garden is connected to the central bank’s credit information system, it means that individual users’ loans and overdue and default information in the flower garden will enter the central bank’s credit information system. If there is default, overdue and other behaviors will have an impact on users’ future large loans such as mortgages and car loans. However, in the case of not overdue, it will not be affected by users.
However, whether Huayuan users can get loans smoothly in the future, especially the large amount of mortgages, the "attitude" of banks may be the key.
If most commercial banks don’t recognize micro-loans, and think that micro-loans mean that users are short of money, cash flow is tight, and credit is problematic, then this is not good for flower garden users; If most commercial banks think that users’ frequent use of small loans can’t reflect users’ credit problems, then this will not have a big impact on flower shop users.
Experts said: "There is also a" contempt chain "in commercial banks. Excessive use of Internet credit products may adversely affect the approval and quota of users applying for mortgages and credits."
Generally speaking, it is a more favorable thing for consumers as a whole, which will end the problem of domestic credit islands and enhance the risk control ability of institutions. "The access of Huayuan to personal credit information will help to supplement the problem of incomplete coverage of personal credit information lending records." Some bankers said.
Internet credit "on credit" has become a trend.
A gentleman’s words are faithful and have signs, so his resentment is far beyond his body. "This sentence comes from" Zuo Zhuan Zhao Gong Eight Years ",which is the source of the word credit investigation. The original intention of credit investigation is to make people "complain far more than themselves" and make credit the cornerstone of society. Internet credit products have joined the national team and accessed the national credit information system, which also has such a moral.
Besides ants, JD.COM and Tencent also launched similar Internet credit products.
At the same time as Huabai, JD.COM Baitiao was launched in JD.COM Mall in February 2014, providing users with the services of "consumption first, payment later" and "30-day interest-free installment at will".
However, micro-loan was launched on QQ and WeChat platforms in 2015 after JD.COM Baitiao and Huabai.
Although they all adopt the consumption mode of "consumption first, then payment", their user positioning and credit line are different.
33% of users of Huabai are post-90s, post-80s users account for 48.5%, and post-70s users account for 14.3%, and its quota ranges from 500 yuan to 50,000 yuan. Compared with other payment methods, ant flower buds attract more new generation consumer groups. Among the users of ant flower beds, hipsters and foodies have become the main force. The data shows that women’s fashion products such as women’s wear, accessories, beauty and skin care, handbags and shoes account for more than 20% of the goods purchased by ant flower beds.
The credit line of "Micro-loan" to users is between 100 yuan and 200,000 yuan, which varies according to the individual’s comprehensive situation. A single loan can be borrowed from 100 yuan-40,000 yuan. Micro-loan was launched by Weizhong Bank, the first internet bank in China, in May 2015. It adopts the official invitation system, and can only be opened through official invitation and the official can actively increase the quota according to the user’s credit record. Any person or organization that needs to spend money to open micro-loan and increase the quota is a fraud.
JD.COM Baitiao is the first Internet consumer financial product in the industry. It is characterized by many service scenarios, and cooperates with nearly 10 million merchants online and offline, covering life and entertainment, business travel, education and training, communication and leasing industries. We often cooperate with banks to jointly sign the electronic account "White-stripe Flash Payment", and expand the white-stripe payment to offline through NFC technology, and further broaden the usage scenarios of white-stripe payment by binding WeChat payment.
The three major internet credit products have been "recruited", and it is the general trend for digital financial services to access the credit information system.
According to public information, since around 2016, micro-loans and JD.COM IOUs have been connected to the central bank’s credit information system. Before the flower garden business, the main body was the Internet microfinance company. Since this year, the flower garden business has been transferred to ant consumer financial institutions.
Previously, flower buds were regarded as a new way of consumption, not financial services. After accessing credit information, it meant that their financial attributes were greater than consumption attributes, and the transfer of flower buds business to ant consumer financial institutions once again emphasized their financial business attributes. This gives them a "legal identity" and invisibly brings them a "tightening spell" to compete with financial institutions.
This is also what the "flower lovers" need to face together in the future.
People who are changing and want to change the world are sniffing the APP.