At present, many people have no idea about the loan scale of Alipay. It is reported that the consumption loan scale of Ant Financial has reached at least 600 billion yuan, which is almost no less than the consumption loans of the four major banks!

For this huge number, someone can't help but ask:

"Isn't Alipay afraid to get it back in the face of huge loans?"

Borrowing money itself is a risky thing, and Alipay manages this kind of risk.

Therefore, Alipay is not afraid of everyone's debts, which is definitely false. However, Alipay has its own risk control system, through which the occurrence of bad debt rate can be controlled. This risk control of Alipay is mainly reflected in the following aspects:

1, big data analysis

At present, using big data to do lending business, Alipay should do better in China, and Alipay has this advantage.

Alibaba Group has several platforms. Through the data integration of these platforms, Alipay can draw a complete portrait of users, such as how old they are, what they do, how much their monthly income is, how much social security fund they have paid, what real estate they have, how much debt they have at present, and whether they are overdue. These are all important information of credit risk control.

Moreover, Alipay has the most perfect evaluation mechanism in China-Sesame Credit Score. Different from credit investigation, the credit score directly determines the rights you can enjoy. Take Harrow Bicycle as an example. If the credit score exceeds 650, no deposit is required. Behind the simple score, there are countless research and development around the clock. It can be said that up to now, compared with WeChat, JD.COM and other evaluation mechanisms, Alipay's sesame credit score is still firmly on the throne, which is still impossible.

Through big data analysis, they have an unparalleled understanding of users' qualifications and assets. They will evaluate your qualifications, assets, income and running water to decide whether to give you the authorization of high quota and interest-free period, and how much you can borrow and spend.

2. Strong collection team and credit punishment system.

Alipay also has its own collection team. They are well-trained collectors. They have both the wolf nature of small loan companies and the formality of banks. As long as the money is overdue for one day, the phone will call. After continuous collection, they will find out all your family, relatives and friends through big data and inform them one by one.

At present, Alipay's loans are reported to the central bank's credit information system. Although Bai Hua did not report to the central bank's credit information system, it will also report to Sesame Credit and People's Credit Information System. These two credit information systems are as powerful as the central bank's credit information system. If you don't pay back, Alipay will blacklist you, and the Sesame Branch will plummet. If it is serious, you will be included in the national list of untrustworthy people. You will no longer be able to fly or take the high-speed train, and you will no longer be able to enjoy the rights that a citizen should have until it affects your descendants.

Therefore, based on the strength of the collection team and credit punishment, many people dare not easily overdue or not repay.

3. Loan interest difference

Alipay does not mean that there are no bad debts. In fact, it also has bad debts. For example, at present, the bad debt rate of flower buds is about 1%, but this bad debt rate has little impact on Alipay's profit, because the interest rate of borrowing flower buds is relatively high, and the bad debt rate can be covered.

At present, the interest rate of borrowing money ranges from 1.5 to four ten thousandths per day, and the interest rate of most people ranges from four ten thousandths to five ten thousandths per day, which is equivalent to the annualized interest rate ranging from 14.4% to 18%.

Part of the money borrowed from the flower garden is the self-owned funds of Ant Financial, and most of the financing is alive. However, the financing cost of ants borrowing flowers is not so high at present, and the expected annualized income is between 5.4% and 5.6%.

According to the above-mentioned loan interest rate and financing interest rate, it is assumed that 654.38+00 billion yuan will be lent, with an average term of half a year and an average interest rate of four ten thousandths, of which 654.38+0% is the bad debt rate, which is 654.38+00 billion yuan, at least 99 billion yuan can generate income, and the income generated in half a year is about 765.438+00 billion yuan.

The cost for Ant Financial to get this 1 000 billion is about 1 000 * 5.6%/2 = 2.8 billion. After deducting the financing cost, it can make a net profit of 4.3 billion.

Of course, this is only from the perspective of financing cost and loan income. In fact, Alipay has other expenses, which may not be so high, but at least it won't lose money for a long time.

To sum up:

Alipay, like banks and P2P companies, encourages you to borrow money for consumption, and has strong confidence to support it. This is also the reason why Alipay is "not afraid of you borrowing, but afraid of you not borrowing".

First of all, Alipay and JD.COM Baitiao have accumulated a lot of personal consumption data, and they all know your capital flow.

Basically, I will give you a quota according to your strength. For example, I spent 1.3 million and borrowed more than 80,000. Alipay has more than 50,000 wealth management products. Basically, I run a few thousand dollars a month, and sesame seeds score 758 points. Never overdue, and cherish your reputation.

Therefore, the bad debt rates of Alipay and JD.COM are very low. There must be bad debts, but they should be lower than those of banks.

Expenditure can make up for the loss far.

Alipay's Flowers and JD.COM. COM can get a lot of formalities from the merchants.

Moreover, it can stimulate consumers' consumption, and paying first has become the consumption pattern of the younger generation.

Credit cards are not used much now, but they are still bound to Alipay and consumed through Alipay.

Generally speaking, the advantages far outweigh the disadvantages, and the bad debt rate is extremely low.

In my opinion, apart from the excellent foundation of the platform itself and various repayment methods, the main reason why Alipay and JD.COM loan platforms can boldly lend money to everyone is that the loan amount is relatively low, ranging from thousands to tens of thousands of yuan, with few hundreds of thousands.

A low loan amount means that the borrower can repay the loan in a short time. Even if there is a delay, the platform can quickly "force" the borrower to pay back the money by restricting consumption. For example, I borrowed 55,000 from Alipay, and I borrowed 1 10,000. There is really no money within the agreed repayment period. Then Alipay restricted me from shopping in Taobao, not by plane or by train. When I feel inconvenient, I will pay back even if I borrow money. It shouldn't be difficult to borrow 10000 yuan from classmates or family.

If you can borrow more than 500 thousand one day, then all kinds of procedures and processes will definitely be in line with the bank, such as taking real estate as collateral or other guarantors. It won't be as simple as it is now (as long as Alipay's credit points are up to standard). In this case, even if the borrower cheats, Alipay or JD.COM will not lose money, so they can auction the assets directly.

Therefore, Alipay and JD.COM have settled this account clearly, but they will not do business at a loss, and it is easier to make small loans. In this era of electronic payment, who can resist the "repayment" of the two platforms?

Internet companies such as Alipay and JD.COM Baitiao have a lot of data for reference when approving loans. I'm not saying that a person can pass the audit anyway. That's not business. It's called charity.

They make a comprehensive evaluation of borrowers through a large number of their own data, such as repayment ability and willingness, whether they borrowed from other platforms or financial institutions before, credit information, personal consumption data and habits.

After the comprehensive evaluation last night, we will give out whether to grant credit and what is the credit limit.

Moreover, when setting the loan interest rate, these platforms will take into account the risk of non-repayment, how to share this risk, how to resolve it, and how to set the loan interest rate to make up for the loss.

Commentator Zhang Zhang:

Borrowing platforms such as Alipay and JD.COM Baitiao also have bad debts, and the bad debt rate is relatively low.

Analyze from the following reasons:

1, background data analysis

Now many lending platforms use big data to do lending business. Alipay can automatically analyze the user's age, work, monthly income, fixed assets, liabilities, overdue and other important information through data integration. Alipay also has its own sesame credit score. According to the customer's credit score, the rights and interests enjoyed by customers are divided, and the systems of free try-on of clothes and free deposit of bicycles are relatively perfect. Through data analysis, Alipay will decide the amount of borrowing and consumption.

2. Strong collection team

Alipay has its own collection team. As long as it is one day overdue, it will call for collection. After the continuous collection is fruitless, they will use big data to find out all the people related to you, and then notify them one by one.

3. Credit punishment system

The loan has been reported to the central bank's credit information system, and Bai Hua has been reported to Sesame Credit and 100 banks for credit information. Non-repayment will be blacklisted, and serious cases will be included in the list of national untrustworthy people, which will affect the future food, clothing, housing and transportation.

When we opened Alipay, we basically bound our personal identity information. Being able to open a debit card shows that we have a certain repayment ability, which has been evaluated by specific data in Alipay's system evaluation, otherwise it will not be easy to open a debit card for you, followed by a perfect credit system. At present, debit cards are directly connected to the national credit information system. If they are overdue, they will directly appear in personal future credit information, which will have a serious impact on all aspects of the future (such as transportation, loans and children).

Second, a sound debt collection system.

If a friend has overdue repayment, it should be clear that they will contact me or my friends in various ways to remind them that they are overdue and violate the previous loan contract, and they will ask me to repay within a few days. If they continue to procrastinate, the other party will eventually go through the judicial process and entrust a lawyer to finally sue.

Third, humanized repayment methods and cycles.

At present, the time limit for ants to borrow money can be divided into 3 ~ 12 months, and the repayment method can choose to pay interest first, and then pay all the principal and interest of the last month in the last month, so the time limit is still relatively loose, and friends who often use it can find a minimum repayment amount.

Ok, answer the question of this industry, I hope my answer will help you!

Why not? Are Alipay and JD.COM IOUs worse than banks? They are all the same as banks, but their strength is not as good as banks. Banks are worried about bad debts and control their bad debt rate every year. Everyone has to be afraid of it. It can only be said that Alipay and JD.COM dare to lend money to users! One by one!

Why does the bank have a bad reputation? That's because it's too difficult to get a loan from the bank! If you don't work well and can't provide collateral for the bank, please go out and turn left!

But banks are banks after all, and the risk control system is still very strong. Mainly reflected in the following four points,

One is to collect cash, the other is to restructure, the third is to pay off debts with assets, and the fourth is to write off on behalf of accounts!

Data, data, data! Say the important things three times! The future is the era of big data. Alipay has mastered some basic personal information, and then judges according to your daily consumption and repayment. Alipay's sesame credit score is to do this job.

So is JD.COM White Law Firm. It is worth mentioning that most users in JD.COM come from the first and second tier, and the quality of this group is good in all aspects. In addition, the cooperation between JD Finance and banks has made all aspects of the system perfect!

Conclusion: Everyone is afraid of bad debts, so let's just say that if you put 654.38 billion+000 billion, there will be 2% bad debts! Let's figure out how much this is. Finally, I want to say that the future is a credit society. Please cherish your credit and don't make fun of it, otherwise it will be really difficult to move in the future! Is this a fact?

Alipay and JD.COM's IOUs are on credit reporting, and the interest keeps rolling. Just like Alipay, once you have money in the bank card, it will be deducted every second! And if you don't pay it back for a long time, you will definitely be sued. If the court still refuses to execute the judgment, you will apply for compulsory execution, freeze the funds, become the person who has broken the trust, and affect the next generation!

Both Alipay and JD.COM Baitiao have risk control, such as analyzing the consumption of each consumer on their platforms with big data, so that you can easily and clearly record your economic ability. Both Alipay and JD.COM IOUs have credit information. Once the IOUs of Alipay and JD.COM are recorded, there will be credit risk. At the same time, Alipay and JD.COM IOUs can also protect their rights and interests through laws.

Personally, I think there may be the following reasons:

A complete credit rating system:

Alipay's credit rating is as strict as that of banks. The sesame credit score in Alipay comprehensively evaluates your personal credit and repayment ability. The amount of ant flower garden will not be very high at first, and the conditions for increasing the amount are also very harsh. Alipay is very strict about risk control.

Personal credit is very important to everyone now. Maybe you don't feel how important credit is at ordinary times, but at the critical moment, the value of credit will appear. For example, applying for mortgage, car loan, credit card, etc. requires the use of personal credit reports. Even when participating in the political review of civil servants. If your personal credit report is poor, you are likely to be rejected.

Now Alipay's personal credit is reported to the bank credit information system. Although Huayuan did not report to the central bank's credit information system, it will also report to Sesame Credit and 100 banks for credit information. These two credit information systems are as powerful as the central bank's credit information system.

Therefore, based on the power of credit punishment, many people dare not easily overdue or not repay.

Therefore, if your quota is only a few thousand, most people will not damage their credit for these thousands, so as not to affect their future mortgage, car loan and other loans and personal travel!

Second, big data analysis, there is no secret about your economic situation:

We all know that Alibaba's business scope is very wide, including almost all aspects of life. Whether you order takeout, make a drip, make a phone call, buy TT online, or pay utilities, it knows your every move like the back of your hand. As long as you spend it online, there are basically no secrets. The system can comprehensively evaluate your personal habits and economic ability through your consumption data, which the bank may not be able to do.

Third, Alipay's bad debt rate is less than 1%, which is lower than most banks!

Alipay's risk control requirements are very strict. Up to now, its overall bad debt rate is less than 1%, which is worse than many banks. Therefore, in the case of extremely low overall risk control, we will not worry about individual small bad debts!

In addition, if you default on Alipay, if the circumstances are serious, it may affect your personal travel and bank credit. Therefore, unless absolutely necessary, no one will ruin his personal credit for that little money!