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What are the overdue procedures for flowers?
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Alipay (China) Network Technology Co., Ltd., established in 2004, is a domestic third-party payment platform, and is committed to providing "simple, safe, fast and convenient" payment solutions for enterprises and individuals. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world.
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.
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. 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.
According to the comprehensive consideration of consumers' online shopping, payment habits and credit risks, Ant Flower Garden grants users spending quotas ranging from 500 to 50,000 through big data calculation and risk control models. The amount of ant flower buds is awarded according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quotas are also dynamic. When the user performs well in a period of time and meets the withdrawal policy, it is corresponding.
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