In response, the reporter called Alipays customer service, which indicated that only some of the user groups had access to the central banks credit. What kind of users have been connected to the credit information system?
From the instructions of customer service, users can find the answer in Huabei relevant contract and product description. If your product agreement contains letter of authorization for personal user information inquiry and submission, then your information has been accessed to credit reference. If there are only Huabei service agreement, sesame service agreement and product description, your relevant information has not been accessed to the credit reference.
Service upgrade access credit reference
Different from Huabeis consumer loans, borrowing, Jingdong gold bars and micro loans are all directly available for cash withdrawal. Take Alipay as an example, the amount of application can be directly charged to Alipays balance, that is, withdrawals can be withdrawed to the bank card. This kind of mode belongs to small amount loan, must be on credit.
Before, Huabei was not included in the credit reporting system because it could only be used for consumption and did not have such product attributes.
As we all know, the amount of Huabei is closely related to sesame credit, and also related to their own consumption habits and financial management. And in the case of good credit records, Alipay will regularly increase the quota to some users, but it is not known that some users have already taken the lead in accessing credit information when the quota is raised.
The reporter also got the information after consulting. After users agree to upgrade the service, the basic information, amount of payment and repayment will be reported to the central bank credit reporting system on a monthly basis. However, no matter whether it is overdue or not, it will not be reported before the authorization to upgrade the service and access the credit reference, which will only affect sesames credit score.
According to the letter of authorization for the use of personal financial information and credit inquiry, the provider of Huabei service is Chongqing ant small and micro loan Co., Ltd., which is the credit reference institution of Huabei. In this regard, industry insiders also said that in the case of no overdue, for white households, credit is not a bad thing, will also leave a good repayment record. But it is not a good thing for people who frequently use online loans and loans.
But before that, some users showed that the loan approval was affected by the loan and Jingdong white paper.
In this regard, some people in the banking industry also said that no matter how good the small loan product is, it will leave a record on the credit investigation of the central bank. In the case of credit card overdue or not, the main reason is that the credit card is overdue. For example, for many times, 200 yuan, 500 yuan loan line, will make some approval banks feel that personal financial situation is flawed.
Batch coverage of all user groups
From the feedback of customer service, the number of current access credit users is not small. When the reporters call Alipay official customer service, the first thing to ask is whether to consult Hua Bais access to credit information system.
However, according to the reporters understanding, as early as last year, there were users who signed the letter of authorization. Only when the user group reported the data was relatively wide, it attracted more attention.
It can be said that the reporting of Huabei records has broken the closure of Huabei data to a certain extent, and the credit data will be shared by all financial institutions. Before that, the overdue of Huabei would only restrict some functions, reduce the credit score to a certain extent, and the binding force for individuals was not very significant.
The access of Huabei data to the central banks credit reporting system also means that the mainstream lending products in the payment and loan systems of the major Internet giants have completed the docking with the central banks credit reference system.
So why is Huabei later than borrowing?
Compared with Huabei, both the user group and the business are relatively small, and the data precipitation is relatively limited. Industry insiders also pointed out that for loan financial technology enterprises, data is the core competitiveness. The value of small, limited and low-frequency data is relatively lower, while that of Huabei and sesame credit can achieve greater value and better value output.
But from another point of view, Huabei access to credit reference means credit data sharing, which is good for financial institutions. On the one hand, this data feast can also make the loan business more accurate; on the other hand, the advantage of multi-dimensional data reporting for credit reporting is that it can increase the overdue cost of borrowers and restrain their behavior. For individual users, once access to credit reference, there will be more considerations when using, and a considerable number of users choose to close this loan channel directly to avoid leaving more negative information. Whether it is Huabei, or the previous borrowing, Jingdong Baitiao, and micro credit, the credit data represented by internet giants are extending to the central banks credit reporting, which is beneficial to the construction of credit system in both breadth and depth. This is not a bad thing for the credit reference users. After all, the data of high-quality borrowers will also enable users to obtain more financial services after entering the credit reference_ NF
But from another point of view, Huabei access to credit reference means credit data sharing, which is good for financial institutions. On the one hand, this data feast can also make the loan business more accurate; on the other hand, the advantage of multi-dimensional data reporting for credit reporting is that it can increase the overdue cost of borrowers and restrain their behavior.
Whether it is Huabei, or the previous borrowing, Jingdong Baitiao, and micro credit, the credit data represented by internet giants are extending to the central banks credit reporting, which is beneficial to the construction of credit system in both breadth and depth. This is not entirely a bad thing for the credit reference users. After all, after all, the data of high-quality borrowers will also enable users to obtain more financial services,