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1. Ants borrow money. Lending institutions are all formal financial institutions. We can rest assured that at present, the loan service institutions are Zhejiang Online Commercial Bank and Guangfa Bank. When borrowing money, we don't have to worry too much about it. Lending institutions have been strictly examined by the platform. When users borrow money through ants, they need to pay more attention to the loan interest rate. When borrowing for the first time, the daily interest rate is generally 0.04%, that is, 1 1,000 yuan, and the generated daily interest is 4 yuan. This kind of interest is still relatively high, but it is within the scope stipulated by the state. Users borrow money through ants, so they should think about the repayment plan in advance to prevent overdue repayment. In the case of insufficient repayment ability, be careful when borrowing money. Moreover, you can choose different repayment periods when borrowing money, and you can choose a longer repayment period when your repayment ability is insufficient. Using ant lending treasure can increase the amount of ant lending treasure, but the specific promotion amount needs to be decided by the system according to the user's usage. But adding valid personal information can also increase the quota. The more wealth management products you buy, the greater your progress.
2. Whether it is "borrowing" or "lending", it is essentially applying for small consumer credit. In the past, when consumers used the "Lending Treasure", they only asked the user to input the corresponding loan amount, and did not display the specific name of the lending financial institution. In other words, consumers will think that they are borrowing money from Alipay. But in fact, the money you borrowed may be provided by Ant Financial Group, or it may be borrowed from a financial institution jointly operated by Ant Financial Group, but this brand is branded as "borrowing money".
3. "Loan" is provided by Ant Financial Group, or it may be borrowed from a financial institution jointly operated by Ant Financial Group. The adjusted "credit loan" will highlight financial service institutions and let consumers know more about who they are applying for loans when borrowing. At this time, Alipay has just become a channel provider and has not directly participated in the lending process. And before that, from the name, there is no such sensitive word as "loan", which can make consumers feel more at ease when using it. But in fact, "borrowing money" still belongs to the category of microfinance, and the classification in credit information is the same as that of other microfinance companies. After the adjustment, the loan meaning of "credit loan" is more prominent. But it also has the advantage that consumers know which financial institution is behind this service.
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