With the popularity of the e-commerce industry, Alibaba has become one of the most popular e-commerce platforms in my country, and Alibaba’s founder Jack Ma has also become a pioneer in the sense of my country’s e-commerce platforms. In order to promote the purchasing power of Chinese consumers, Alipay’s Huabei has also become one of the lending financial platforms that everyone is very familiar with.

Huabei opens the ban rules

As early as when Ant Financial went public, Alibaba specially developed a personal credit rating system on Sesame Credit. Different from the traditional personal credit investigation of the central bank, in addition to personal credit physique, Zhima Credit also considers Alipay users from multiple fields in many aspects, and then gives a Zhima Credit score. Generally speaking, the higher the Sesame Credit Score, the higher the Huabei quota granted to consumers.

Huabei can become a national-level loan platform because Alipay has now spread Huabei payments to hundreds of millions of merchants across the country, and every consumer can directly make payments to merchants through Huabei. For example, if a consumer wants to buy a pack of sugar, but there is no money temporarily in the phone, the meaning of Huabei is revealed in this case.

In addition, Huabei can also be paid in various fields, such as accommodation, transportation tickets, scenic spot tickets, and payment of household water and electricity bills. Huabei can be used to make emergency payments. Therefore, a comprehensive business system has been formed between Alipay and Huabei, making consumers more and more dependent on Alipay.

You can make payments with just a mobile phone, or even just by scanning your face. Even if you don’t have money, you can use Huabei to advance in advance. Such a convenient business structure is naturally loved by social groups. According to relevant data, my country has now more than 1 billion people registered for Alipay, and 40% of the post-90s groups have set Huabei as the first choice for Alipay payment. In addition to Huabei, Alipay also has financial modules in various fields such as insurance, funds, lending, and online banking. It can operate a full range of financial systems through the Alipay APP.

Although Huabei has become the preferred payment method for many citizens, it also has certain requirements on the consumer system. After all, Huabei is a financial lending product, so naturally organized things are indispensable. At present, the age of opening Tonghuabei is usually over 18 years old, and users who have a certain level of consumption ability can do so. As the use of Huabei has become more and more widespread, Huabei has also opened up violations and banning rules in recent days, which means that Huabei will still be banned? As long as the following two usage methods are violated, Huabei will reduce the user’s quota according to the degree of violation, and in serious cases, it may be permanently suspended.

Huabei two ban rules

1. Cash out with flowers. Generally speaking, situations such as overdue or malicious arrears are very bad, and there is no need to say more here. However, everyone must pay attention to the cash-out problem when using Huabei. According to the relevant rules issued by Alipay recently, Huabei will strictly review the user groups who use Huabei to cash out in the later stage. Once the cash-out situation of Huabei is found, Users will be punished according to the degree and frequency of cash-out. In the case of slight deductions, the use of certain conditions may be restricted, and the use of Huabei may even be suspended in severe cases.

Because Alipay’s financial service platform also has borrowing in addition to Huabei, there is an essential difference between the two. If Alipay users need to spend money in a hurry, the editor here still recommends that you choose to use borrowing as a compliant and legal borrowing channel. The current borrowing interest rate is relatively low among the online lending in the market. You can give priority to borrowing.

2. Alipay illegal operation and illegal operation. When you use Alipay, you must pay attention to the safety of the operation. Generally speaking, Alipay will have a set of special security system audits. Once the account is found to have a risk factor, it will temporarily block the financial-related business in Alipay, so as to prevent criminals from maliciously stealing the quota and funds in Alipay. , Causing economic risks to consumers.

In addition to security risks, if the online loan borrowing more than 300,000 yuan outside of the Alipay platform, Alipay will also be regarded as a user with potential overdue risks. Such people often turn Alipay to shut down the use of Huabei, or restrict the use of Huabei. After all, credit reporting is a whole. As long as there is a problem with credit reporting, all platforms will have doubts about borrowers.

Conclusion

With the development of the country’s financial system, more and more young people have begun to rely on Qihuabei and other online loan platforms for advanced consumption. Although this has promoted my country’s consumption level, it has also allowed many young people to embark on a trend. No return. While the state is strictly dealing with illegal finances, consumers should also have a clear understanding of consumption, and must not blindly consume items that are not in line with their current assets.

The mysterious buyer bid 179 million yuan in 7 minutes to buy a space quota with Bezos. (Data map)

The manned spacecraft “Blue Origin” (Blue Origin), a space technology company owned by Bezos, the founder of the American e-commerce giant Amazon, will launch next month, and the first flight seat bidding for the spacecraft will end on the 12th. According to US media reports, a “mysterious” buyer bid 28 million U.S. dollars (approximately 179 million yuan) within 7 minutes to buy a space with Bezos. The buyer’s identity will be in the next few weeks. Announced within.

According to ABC and CNBC reports, Bezos announced on the 7th that he and his brother Mark will fly to the edge of space on a New Shepard rocket in western Texas on July 20 and return Earth’s surface. In addition to Bezos and his brother, and the staff involved in the experiment, participating in the test flight, there is also a seat for sale in the form of public auction. At the auction on the 12th, a “mysterious” buyer successfully qualified for $28 million within 7 minutes. The proceeds from this auction will be donated to the “Blue Origin” charity foundation “Future Club”, which aims to fund the development of future young people in the fields of science, technology, engineering and mathematics (STEM).

It is said that the New Shepard rocket can be recycled and reused after launch. It has successfully tested 15 times without carrying personnel. July 20 will be the first manned space flight of “Blue Origin”. During the 10-minute space travel, passengers have 4 minutes to stay above the boundary between space and the Earth’s atmosphere. After the rocket is lifted off, the space capsule will be separated from the rocket propeller and stay at an altitude of more than 100 kilometers for 4 minutes. During this time, passengers in the capsule will experience weightlessness and can also watch the arc of the earth from space.

Mr. Nguyen Hoang Duong – Deputy Director of Finance Department of Banks and Financial Institutions (Ministry of Finance) gave opening speech at the conference. Photo Do Doan

April 16 in the city. Ho Chi Minh, the Ministry of Finance cooperates with the Asian Development Bank to hold a Conference on Development of credit rating activities in Vietnam. The event is part of a series of conferences of the Ministry of Finance to disseminate, train and provide information to businesses (DN), investors (investors), and participants in the financial market about rating activities. credibility in Vietnam.

Credit rating plays an important role in the development of the financial market in general and the bond market in particular. Through the determination of the credit rating, investors have more information to evaluate the financial ability, solvency of the creditors, of the financial products rated by credit, as well as the risks involved.

Speaking at the opening of the conference, Mr. Nguyen Hoang Duong – Deputy Director of Finance Department of Banks and Financial Institutions (Ministry of Finance) said, to develop credit rating activities in Vietnam, Ministry of Finance submitted to the Government for promulgation Decree No. 88/2014 / ND-CP on credit rating services, which fully regulates the contents of organization, operation, service provision, and information disclosure of the organization. credit rating organization.

Enterprises discuss with international financial experts about credit rating services. Photo: Do ​​Doan

The Securities Law 2019 and guiding documents have specific provisions on cases where enterprises issue bonds to the public must be rated with credit ratings and implementation roadmap, and at the same time encourage businesses to issue bonds. Private corporate bonds (corporate bonds) use this service to enhance the publicity and transparency of the corporate bond market.

“The Ministry of Finance is also studying to associate the regulations on credit rating results with regulations on classification and investment criteria for some particular financial institutions or using credit rating results. when calculating the indicators of capital safety and assets of organizations in the financial market “- Mr. Nguyen Hoang Duong said.

At the conference, experts from the Australian Securities and Investments Commission, international rating organizations S&P, Moody’s and the credit rating agency Fiin of Vietnam presented about the role of the rating agency. credit rating in the financial market, credit rating methods and processes, factors affecting the credit rating of enterprises, the contents to be noted to improve ratings and the impact of results. credit rating results for decisions of investors.

In general, the contents of the conference are intended to provide full information on the development of credit rating activities in Vietnam and to raise market awareness about this activity.

It is known that, according to Decision No. 570 / QD-TTg dated April 17, 2015 of the Prime Minister approving the Plan for development of credit rating services to 2020 and a vision to 2030, the Ministry of Finance will see review and grant certificates of eligibility for business in credit rating services for up to 5 enterprises.

Up to now, 2 Vietnamese enterprises have been granted business eligibility certificates and are providing credit rating services in the market. The Ministry of Finance has also received a request for attention from a number of reputable international credit rating organizations and will consider and appraise it in accordance with the law./.