"Flower Chant" Credit To Pay Credit Account To Start A Trend.

Some of the "black sheep" and "black men" who are active in Tmall and Taobao have found that online shopping can be charged on credit.

When you log in to Alipay account via web page, you will find a new application module on the page, "Hua Bai".

This is the new credit consumer service launched by ant micro loan in Alipay.

This service is similar to the overdraft function of credit card. After shopping, users choose to use Hua Bi as the payment method. Then the payment is confirmed on the next month only after payment is received on the 10 of the month, and can be related to the account balance, debit card, and the automatic repayment of the balance treasure.

In this way, at the beginning of this month, payment is made next month. Users can not only postpone payment for 41 days, but also do not have to pay a penny interest.

From now on, it will be more difficult for online shopping families to keep their hands.

How much is the overdraft?

The relevant person in charge knows that according to the user's personal situation, the amount can range from 1000 yuan ~30000 yuan.

The quota is based on complex large data operations, combined with the wind control model, according to the consumer's online shopping, payment habits and other comprehensive conditions.

It is related to consumers' data on online shopping, payment, credit, accounts and so on, but it is not a direct correspondence.

Nor is the higher the consumption, the greater the amount.

Of course, this item.

The launch is a temporary solution to the problem. Once overdue repayment is made, there is still "punishment".

Beyond one day, interest is charged at 5/10000 per day, and compound interest rate is roughly the same as general bank credit card.

It is understood that "Hua Bai" is another online shopping service for individual consumers after Tmall staged.

At present, the service is still in the testing stage, and it is only open to some users with relatively high activity.

Hao Ying, director of operations at Hua Bai, said that consumers can check the consumption quota, details and repayment records at Alipay's account page at any time.

In addition, Hua Bai has also launched a caring service. If consumers forget to repay, they can call the 95188 customer service hotline after completing the payment within 3 days of overdue payment, and apply for the elimination of overdue records.

China e-Business Research Center, Internet finance section analyst

It is said that the introduction of "flower chant" is another challenge launched by the ants' gold suit to traditional banking business.

At the same time, she believes that in order to compete with Jingdong, consumer credit is entered.

Jingdong has already launched Jingdong's ious in February and has developed rapidly.

Today, the intention of "flower chant" into the electricity market is obvious.

At present, the development of consumer finance in China is huge. Jingdong, Ali and Suning are occupying the favorable terrain of online consumer finance. In the future, credit card installments, consumer loans and other ious businesses will inevitably be impacted.