1. If we look carefully, the lender of Ant Loan is Chongqing Alibaba Microfinance Co., Ltd. ... and it has been decided that he will give you a loan. This loan is based on the borrower's sesame credit and the credit line he has evaluated. So when you apply, the moment he replies, you have a credit line that needs to pay interest, that is, a loan.
2. If you carefully read his electronic loan contract which is more than ten pages long, you will find that he can report your loan situation, repayment situation and overdue situation to the Credit Information Center of China People's Bank at any time with your consent. But if you don't agree, there's nothing you can do, because then you won't get the loan amount and you won't be able to use the loan. Whether you think this is the overlord clause or not, you have to listen to him if you beg him to lend you money.
Alibaba microfinance company is still very strong. Many small loan companies want to access their credit information to the Credit Information Center of the People's Bank of China, but they are all rejected by the Credit Information Center of the People's Bank of China, fearing that small loan companies will mess around and affect their publicity and authority. However, Alibaba's successful peer-to-peer credit information center has achieved interoperability.
4. What should the borrower do if it is overdue? Alibaba will also collect money in a regular way, including notifying you in various ways. As long as you use the services of various online enterprises or offline enterprises that Alibaba cooperates with, you will be notified. At the same time, he will call you, but the only advantage is that he will not make violent collection.
At the same time, it will reduce your sesame credit score, and may also freeze all your services and functions on Alipay, including your rights and interests on Alipay. It is also possible that you have money on it, but you can only see that you don't need it.
6. What should I do if I can't stand it after collection? On the one hand, he will log your overdue records into the Credit Information Center of the People's Bank of China, so that you can't get services in financial institutions in the future. On the other hand, he may file a lawsuit and ask the court to make a judgment.
7. As for going to court for judgment, it is basically the same as what I said before. Please refer to the previous question and answer.
8. So sometimes Alibaba is not too worried about the collection of loans. Because as long as you are young, you will use various online services, among which there may be many enterprises or product providers, all of which are related to Alibaba. As long as it is overdue, it may not be possible to do everything.
9. Of course, we also objectively say that the interest rate of borrowing money is really not high. Compared with many banks, the interest rate of micro-credit unsecured loans is higher than its interest rate, and the conditions will be more harsh and inconvenient.
Are you clear? Lending and consumption are two completely different products, one is a financial product, and the other is a commercial product, so one can enter the credit information center of China People's Bank, and the other can't, and can only seek court proceedings.
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In recent years, with the rapid development of the times, great changes have taken place in our lives, among which the biggest change is mobile payment. We only need to scan the code on the mobile phone to complete the payment. Of course, the reason why we can pay so quickly is because Alipay is online.
Now many netizens have downloaded it on their mobile phones, so the comparison is easy to understand. After years of development, Alipay has become more and more mature. In particular, micro-loan products such as flower buds and loan buds are welcomed by many young people at present, because the concept of spending first and then repaying is very convenient for many netizens who are in urgent need of money.
However, there are also many people who borrow money from Alipay. They think it is enough to uninstall Alipay. Some people think that I will wait until Alipay goes bankrupt, so I don't have to pay it back. For netizens who have this idea, please give up! Because Alipay cooperates with the central bank's credit information system, you will be punished as long as you are overdue or not paying back, such as being blacked out for personal credit information, not being a hotel, not taking the high-speed rail and so on.
Of course, flowers and loans are both credit consumption products. Although it is very convenient, it needs to be repaid after all, so please spend it reasonably. Secondly, if your sesame credit score and flower garden quota have not been improved, and you use Alipay normally and there is no overdue behavior, then your credit data is likely to be problematic. At this time, you can "check more" a credit report on WeChat to inquire about your online black index, overdue behavior, credit degree, telephone loan, etc., which is very convenient. Therefore, please keep good credit. After all, now is the Internet age, and credit is definitely the most important link.
Because no company can leave the country!