Ma Yun is really a tough guy. The Alibaba he created completely changed the way people shop, and Alipay also changed the way people pay. Now I go shopping, and even Uncle menstruation doesn't have his wallet. As long as the mobile phone is in hand, I can do it, whether it's buying food or home appliances. In order to cater to young people, Ma Yun also introduced the flower bud function in Alipay. In fact, flower buds are very simple to use, just like credit cards, which are a way to spend first and then repay. Moreover, it is much easier to apply for a credit card, so it attracted many office workers and student parties as soon as it was launched.

In fact, young people are often irrational when shopping, and they are very prone to impulsive consumption. Although their income may not be enough to satisfy their shopping desire, they still want to get the latest products, such as iPhone and luxury bags. It is precisely by grasping the shopping psychology of young people that Ma Yun launched the flower garden.

But it is easy for young people to fall into a vicious circle when using flower beds. After all, the monthly salary and living expenses are limited. Using flower beds is equivalent to overdrawing next month's money in advance. Once the income of next month is unstable, it will be impossible to repay the order of last month, and it will be inevitable to be overdue. In the past, users may think that it doesn't matter if the interest is paid off in the next repayment. However, it is not so simple after Hua Bai is connected to the central bank's credit information. Those who used to make fun of Alipay and thought that "you don't have to pay back the money by directly uninstalling the software with Hua Bai" all know that Ma Yun is powerful and Ma Yun's money will not "depend"! So what will be the impact of Huayuan's access to the central bank's credit information?

After accessing the credit information, if there is often a bad record of using the flower buds, then the most serious situation is to be blacklisted by the central bank. Such people have no choice but to travel or borrow money, and the bank can't approve money for buying a house or a car, and they can't buy tickets for traveling by plane or train, so their personal freedom will be restricted. Of course, this is for users who are extremely dishonest, especially those who are often overdue. If the flower buds have a good repayment record during use, then don't worry. After all, after the access of the central bank, it is a guarantee for the safety of users' funds. Therefore, Hua Bai's access to the central bank's credit information is also a manifestation of being responsible to both parties.

On the one hand, it can restrain consumers' repayment behavior, on the other hand, it can play a regulatory role on Alipay platform, so as long as there is no "crooked mind", the normal use of flower buds has no influence. It is worth noting that although it is very easy to blossom, it is actually equivalent to the misappropriation of small loan companies, which is very different from credit cards. There are different banks behind credit cards, but behind the flowers, they are all linked to microfinance companies. Therefore, once the flower garden is overdue, it will leave a stain on personal credit information, and this stain is not easy to remove. Especially if young people need to borrow money from the bank to buy a house in the future, personal credit information plays a vital role. Don't be greedy for temporary pleasure and ruin your life.

Obtaining the credit information of the central bank actually sounded the alarm for young consumers and gave them the opportunity to readjust their shopping methods. Rational shopping is the right choice. What do you think of this? Do you dare to use flowers? Welcome to comment!