Alipay borrowed money and became a credit loan. Some netizens found that their "borrowing money" became a "credit loan" and made it clear that the service was provided by the bank. The borrower responded that the borrower has started brand isolation and Alipay has become a credit loan.

10 7, some netizens found that the name of Alipay's "loan" was changed to "credit loan", and made it clear that the service was provided by the bank. Late at night on the 7th, Lending Bao responded that Lending Bao had started the brand isolation work, and the core processes such as user opening, review, interest calculation, borrowing and repayment would not change. The services provided by Ant Consumer Finance Company will continue to display the "borrowing" brand, while the credit services independently provided by financial institutions such as banks will be displayed on the "credit loan" page, which will clearly identify the information of financial institutions and distinguish them from the borrowing brand.

Prior to this, in April this year, China People's Bank, China Banking Regulatory Commission, China Securities Regulatory Commission, foreign exchange bureau and other financial management departments jointly interviewed Ant Group and announced the rectification plan. One of the requirements is that "flower buds" and "borrowing buds" will become the exclusive consumer credit products of Ant Consumer Finance Company, and the consumer credit issued by other financial institutions with the help of data information provided by Ant Group will no longer be labeled as "flower buds" and "borrowing buds". The CBRC requires Ant Group to take effective measures to ensure that financial consumers can fully understand the names of credit service providers when applying for consumer credit services and avoid brand confusion.

"Borrowing" is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance. [2]

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Alipay borrowed money and turned it into a credit loan. 2 Alipay has a big move.

165438+1On October 7th, some netizens found that their "loan" became a "credit loan" and made it clear that the service was provided by the bank.

The borrower responded that the borrower has started the brand isolation work, and the services provided by Ant Consumer Finance Company will continue to display the "borrower" brand, while the credit services independently provided by financial institutions such as banks will be displayed on the "credit loan" page, clearly identifying the information of financial institutions, which is different from the borrower's brand.

The screenshot shows that the "Credit Loan" page will display the information "Financial Services Provided by XX Bank" in a prominent position. After entering the loan page, you can also see the daily interest rate, initial annual interest rate, total interest and other information in the "Loan Details and Agreement".

Lending Bao responded that Lending Bao is gradually promoting brand isolation, and many licensed financial institutions, including Ant Consumer Finance Company, will provide users with more convenient and high-quality micro-consumer credit services. Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

Judging from the information exposed by some netizens, the loan amount and interest rate have not changed after the loan service was adjusted to the "credit loan" page.

Lending Bao said that the credit services displayed on the "Credit Loan" page are independently operated by other financial institutions, and their credit lines and interest rates are dynamically approved and decided by service providers according to user information, which is not affected by this brand isolation work. Subsequent changes in users' credit records and qualification information may lead to changes in the evaluation results.

Your credit loan is a consumer credit service independently provided by financial institutions cooperating with Ant Financial.

Q: What services do the financial institutions I saw on the page provide?

A: The financial institution shown on the page is your consumer credit service provider. Your quota, interest rate, etc. It is the result of independent examination and approval by this financial institution, and the loan funds you applied for are also issued by this financial institution.

Q: Will the service I enjoy be affected?

A: After this adjustment, you can have a clearer understanding of the financial institutions that provide you with consumer credit services. The original services such as borrowing, auditing and repayment will not be affected.

Q: Will my credit information be affected?

A: Your credit history will not be affected by this adjustment. After adjustment, the financial institution that serves you will continue to report it. Please repay the loan on time and keep a good credit record.

In fact, as early as 10.2, Alipay issued a notice on its official WeChat official account, informing the progress of the interconnection between Alipay and China UnionPay.