What's wrong with the bud not opening?

First, the comprehensive score is insufficient. The failure to open a flower shop is probably caused by the lack of comprehensive score of users, and there are many reasons that affect the lack of comprehensive score, such as poor personal credit record, high personal current debt and insufficient repayment ability. All these factors may lead to the lack of comprehensive score of garden. In this case, we need to improve our qualifications, so as to improve our comprehensive performance, and then try to apply for the opening of flower beds.

Second, personal credit is not good enough. If the user defaults in the process of using credit products, it will lead to the decrease of our sesame credit score, which is one of the important factors affecting the flower buds. If the sesame credit score is low, it will affect the opening of the flower garden.

Third, institutional reasons. If the user happens to encounter the upgrade and maintenance of Alipay system when applying for opening the flower garden, it will also lead to the failure of opening the flower garden. In this case, we only need to wait until the system upgrade is over, and then re-apply for opening.

The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".

On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange.

By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions.

202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Application scenario:

The industry believes that banks and other financial institutions have experience in capital and risk control, while Huayuan has consumption scenarios and risk control data. Both sides have their own strengths and complementary advantages. Therefore, cooperation can not only make finance truly serve the reasonable consumption needs of users, but also better control risks, reduce capital and service costs, which is conducive to the development of the industry.

Ant flower buds support multi-scene shopping. Previously, the main application scenarios were Taobao and Tmall, and most merchants in Taobao and Tmall can use it to pay.

Ant Flower Garden has stepped out of Ali's e-commerce platform and accessed more than 40 external consumption platforms: most e-commerce shopping platforms, such as Amazon and Suning; Local life service websites, such as word of mouth, Meituan, and public comments; Mainstream 3C official shopping malls, such as official shopping malls such as LeTV, Haier, Xiaomi and OPPO; There are also some overseas shopping websites.