borrow
Ant lending is a micro-loan service provided by Alipay platform. According to the risk control and access standards, the platform screens customers on the basis of Alipay real-name users, and gives different lending quotas to the screened high-quality customers.
The essence of ant borrowing is a credit loan, which is positioned as a small amount and high interest rate for Alipay users. The loan amount of a single customer is low, the application threshold of users is also lowered, there is no mortgage, and the bad debt rate is high. At the same time, borrowing by ants not only satisfies small loans, but also contributes to the activity of Alipay.
At present, the lending institutions of Ant Lending Bao come from Chongqing Ant Mall Microfinance Co., Ltd. and Guangfa Bank Co., Ltd., among which Chongqing Ant Mall Microfinance Co., Ltd. is a microfinance company of Ant Financial in Chongqing.
Have money to spend
Excellent financial management is a platform to provide personal consumption financial rights and interests for the public. Youhuagan has created an innovative consumer credit model. At present, it has been explored and laid out in many industries. Its two main services are Iman loan and preferential loan. All-easy loans can be up to 200,000 yuan, and the lowest daily interest rate is 0.02%. The exclusive loan amount is higher, reaching 300,000 yuan, with a monthly interest of 1.00%.
Advance strategy
borrow
1. It is necessary to shop on Taobao frequently, because only consumption can prove your demand for Alipay.
2. The review of Sesame Credit will be conducted on the 6th of each month. If you keep good credit every month, your score will naturally be high.
3. Try to add some friends with high sesame credit scores to Alipay friends. As the saying goes, birds of a feather flock together, and the system will examine this when evaluating.
Have money to spend
1. The repayment record is good.
Rich flowers will judge users' credit according to their repayment records, and users who repay on time will adjust the quota regularly.
2. Information is unique
The information submitted by users must be unique, such as ID card, mobile phone number and other information, and cannot conflict with others, otherwise it will affect the user's quota evaluation.
3. Ensure that the information is true and effective, and try to improve the pertinence.
Ensuring the authenticity and validity of personal data is the basis of passing the audit of money. The more detailed the data, the higher the amount will be.
4. Use Baidu's functions more.
According to users who have money to spend, more use of Baidu wallet and Baidu map will also help Baidu increase its spending quota.
5. Baidu's related behaviors meet the requirements.
Baidu's other related behaviors, if they meet the requirements, are also conducive to increasing the amount of consumption.
The above is about borrowing money and spending money. Generally speaking, borrowing money and spending money have their own characteristics. Either way, choosing the one that suits you is king. So, do you have your own ideas in mind? Please comment in the comments section.
Compiled from Everyone is a Product Manager, 3dm, Xicai.com and bubble net.