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.

Every edit: Wang Xin Elephant News reported on the 23rd that on the afternoon of April 22nd, Tesla disclosed to the media the driving data one minute before the accident and made a text explanation. Subsequently,The husband of the female human rights defender, Mr. Li, responded to the Elephant News reporter late at night that he violated the owner’s personal privacy and consumer rights and will immediately file a complaint with the Zhengzhou City Market Supervision Department. Tesla’s person responsible for handling the accident stated that the data has been sent to the customer by email. Since the customer’s phone has not been answered, Tesla sent it through the company’s mailbox to the mailbox that the customer filled in when they bought the car. “My wife is still in the detention center, and the mobile phone is in the hands of the police, how could I receive a call?” Mr. Li saidBefore Tesla released the data one minute before the vehicle accident to the public, he had never contacted Zhang’s family.. Image source: Elephant News video screenshot Mr. Li only talked to the relevant person in charge of the Zhengdong New District Market Supervision and Administration Bureau of Zhengzhou City on the afternoon of the 22nd. The person in charge only told Mr. Li that Tesla had been ordered to provide data to the car owner, but did not mention driving data. Released through the media. Tesla released the driving data without any communication with the car owner. After seeing the news, Mr. Li was very surprised.”This has violated our personal privacy and consumer rights.” Mr. Li first expressed his disapproval of the driving data presented by TeslaAt the same time, he believes that driving data belongs to personal property and personal privacy, and that Tesla publishes it to the media and the public without the owner’s permission, which he cannot accept. In the next step, Mr. Li will file a complaint with the Zhengzhou Municipal Market Supervision Administration.At the same time, Tesla is required to apologize publicly and revoke the driving data. Announcement of the situation 1 minute before the accident and 30 minutes before the accident According to a report from the China Market Supervision News, headed by the State Administration of Market Supervision, on the afternoon of the 22nd, Tesla provided data from one minute before the vehicle accident and made a textual explanation. Tesla said that the braking system is normally involved in the work and reduced the speed of the car. The full text of this text description is as follows: When the driver stepped on the brake pedal for the last time, the data showed that the speed of the vehicle was 118.5 kilometers per hour. Within 2.7 seconds after the driver stepped on the brake pedal, the maximum brake master cylinder pressure was only 45.9 bar. After that, the driver increased the stepping on the brake pedal, and the brake master cylinder pressure reached 92.7 bar. The front collision warning and automatic emergency braking function were activated (the maximum brake master cylinder pressure reached 140.7bar) and played a role, reducing the amplitude of the collision. 1.8 seconds after the ABS was applied, the system recorded the occurrence of the collision. After the driver stepped on the brake pedal, the vehicle speed continued to decrease, and before the collision, the vehicle speed decreased to 48.5 kilometers per hour.

Image source: China Market Supervision News

In summary, the vehicle is running at a higher speed, and the driver starts to depress the brake pedal with a lighter force. After that, the automatic emergency braking function is activated and has a function, which improves the braking force and reduces the impact of the collision. The driving system is normally involved in the work and reduces the speed of the car.

In addition, with regard to the condition of the vehicle 30 minutes before the accident, Tesla stated this: In the 30 minutes before the accident, the driver drove the vehicle normally and had more than 40 records of depressing the brake pedal. The vehicle has repeatedly stopped more than 100 kilometers per hour and stopped repeatedly.

On the evening of April 22, Tesla once again announced the progress of the “car roof rights protection” incident through its official Weibo, saying that on the afternoon of April 22, the sealed paper version of the data had been sent to Zhang via express mail. The contact address registered by the lady in our company, a total of 48 pages, 6697 entries.

Tesla also stated that it will unreservedly cooperate with the regulatory authorities to conduct in-depth investigations and openly accept social supervision. With the consent of the customer, government designation or supervision, the three parties will jointly witness and conduct testing at any qualified and authoritative testing organization across the country.

Source: Daily Economic News Comprehensive Elephant News, China Market Supervision News, Tesla Weibo

Daily economic news