In March, 20021,China Banking Regulatory Commission clearly stipulated that college students should not be set as the target group of Internet consumer loans, so all platforms further restricted college students from applying for loans. However, up to now, Alipay has not issued a notice on "No Flowers for College Students".
According to Alipay platform, the evaluation of the credit line of Huayuan is the result of the comprehensive review of the system, which has no direct relationship with the user's identity. It cannot be said that college students are disabled.
Extended data:
First, flower buds are called "ant flower buds" and are consumer credit products. After the user applies for opening, Huayuan will grant the user a specific amount of consumption quota through big data calculation and risk control model on the basis of comprehensive consideration of the user's online shopping situation, payment habits and credit risk. When spending, users can advance this share, so that they can spend this month and pay next month. There is no charge for repayment on time, and you can also enjoy the shopping experience of "spending first and paying later".
As a kind of credit innovation, flower garden is a supplement to banks and other financial institutions. Banks have experience in capital and risk control, and flower beds have consumption scenarios and risk control data. The cooperation between the two can not only make finance truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs and promote the development of the industry.
Second, the consequences of not returning flowers within the time limit
1, "harassed" by phone.
Ants don't pay their debts, just like loans from online lending platforms. Every three days, a collector will call to "remind" you to pay back the money quickly.
2, reduce the sesame credit score
It is obvious to all that the sesame credit score is rising slowly. It goes up by 6 or 7 points every month, and the rest goes up by 1 or 2 points or even directly! Once the flowers are overdue, the scores will drop, ranging from tens to more than one hundred or even more than two hundred.
3, credited to the People's Bank of China.
Serious overdue may still be recorded in the People's Bank of China, which will affect the application for car loans, loans and credit cards in the future. Therefore, after the ant flower buds are used up, it is still necessary to repay them normally.
4. There will be overdue fees.
Overdue fee = overdue amount * overdue days *0.05%. If it is not changed for a long time, plus the principal, it is a relatively large debt.
(1) The repayment date in Bai Hua is generally the 9th of each month or 10, which varies from person to person, subject to the page reminder.
(2) For users who have opened the flower garden for more than 365 days, Alipay Flower Garden can adjust the repayment date, which can be adjusted to 15 or 20th of each month according to personal needs.