The WeChat version of the flower garden will be launched, and the netizen said, "Is it because I owe enough?" What do you think of this?

A young colleague of mine spoke very interestingly. He said that he was a good boy who never owed money to others. After using the flowers, he has to return them every month. Before the repayment date, he always felt that he owed money to others.

I feel the same way about it. I used to apply for three credit cards from different banks, but because I don't use them often, the repayment date is different and I don't have to pay an annual fee. I was afraid that I would forget to pay the bills every month, and I had to check the bills. It was too much trouble, so I only left one.

Similarly, I opened a flower shop and a white bar in JD.COM. Plus a credit card, it becomes three kinds of credit consumption. Finally, I closed the IOUs in JD.COM and bought things in JD.COM directly through the bound credit card. I really don't want to owe money everywhere. Pay back the money every month. It's too much trouble, and I'm afraid forgetting to repay will affect my credit.

Now wechat finally can't hold back. It is said that the "WeChat version of the flower garden" will be launched-pay separately. If WeChat joins the ranks of credit consumption again, it will really be another smoke. Will the flower beds used now still be used? It is estimated that there will be a discount at the beginning of the installment. Can you use it? Credit cards are widely used. Do you want to use them? It's still very troublesome to pay three bills a month, just like the title says, "Do you think I don't owe enough?" Let's have another credit consumption.

In fact, I think the topic may have two meanings: first, as I said above, it is too troublesome to repay many times a month after having a variety of credit consumption methods; Another meaning is that with credit consumption, you can't control your own hands. When you spend money, it seems that it is not your own. It will be difficult when you pay back the money. Then you will pay more fees and interest in installments. In fact, what you bought is of little use. This is actually a hidden temptation of credit consumption.

Therefore, regarding credit consumption, my opinion is that you can use it whenever you can, because you can save your own cash, but you should stop it. Don't think that the credit line is your own money, just a loanable account.

For people who are single-minded and can't be distracted, I still like to use one credit method, and three credit methods can confuse me.

Wechat Flower Garden is obviously to "circle money". In the face of Alipay's "repeated profit", WeChat is estimated to be jealous. At this time, the announcement of the launch of WeChat Flower Garden is exactly the meaning of the title! Wechat Flower Garden was chosen to be released when Ma Yun retired. Although there has been a wave of enthusiasm, even if Ma Yun does not retire at this time, WeChat Flower Garden will still be launched as scheduled. One more day, one more day's profit!

However, I am not optimistic about the flowers of WeChat! Take microfinance like lending. I estimate that few people use it. There are many people who know how to borrow, but few people know how to micro-loan, because our finance does not recognize WeChat.

Even though WeChat has occupied more than half of the payment field now, I seem to be more willing to put a lot of money in Alipay.

Naturally, for the payment of WeChat (WeChat Flower Garden), WeChat has been laid out in advance, and the emergence of payment points from WeChat is the best proof. WeChat wants to use the same credit method to attract consumers to use sub-payment. (Feel free to find a small program to rent a charging treasure for free, just open it according to the steps, and you don't need to use it for real charging), and then pay the points in your wallet.

Sesame credit-paying points, the bureau of WeChat is really big enough; From micro-loan-borrowing, from WeChat-Huabai payment. How simple is the idea of WeChat? With a strong WeChat user base, it is the advantage of WeChat to get the opportunity for WeChat users to use WeChat Flower Garden!

However, the shortcomings of WeChat:

I'm not very optimistic about WeChat payment. The actual situation depends on how WeChat develops.

The WeChat version of Huayuan will be launched soon and has been tested internally, but I believe it is not that easy to borrow money from Ma. As for the netizen saying, "Is it because I don't owe enough money?" This is a romantic and self-indulgence. Let me talk about my personal opinion.

Now is the credit age. In the era of credit, you can borrow money with credit. As long as there is no bad credit record, you can use your ID card to get a loan. Because of this, some people always find it easy to borrow money now. Having no money to spend, borrow money to spend, will cause many people to spend a long time, and the hole in debt can't be filled, so they become an old-timer, putting their life credit in.

Some netizens said: "Is it because I don't owe enough money?" Judging from the tone of this sentence, it belongs to someone who already owes money. For example, bank credit cards, Alipay loans and flower buds, the arrears of major online financial institutions have caused many people a headache, and even the money of these financial institutions has not been paid. Now wechat has come to Huayuan again and can borrow money again. Does this mean adding debts to these people?

In fact, it is not as real as this netizen said. I tell you, Ma Hua Teng's money is far more difficult to borrow than Ma Yun's, so you don't want to borrow it. The most typical one is micro-loan, so many WeChat users? How many people have small loans? Therefore, the same is true of the WeChat version of the flower garden. If you want the horse to pay the bill, you must first be qualified to borrow money. If WeChat doesn't give you the payment function, the money you want to spend on Ma Hua Teng becomes virtual.

However, if some WeChat users have the payment function, they can spend Ma's money. However, WeChat payment also needs credit information, and it will also monitor everyone's economic ability and debt ability! If you have already owed a lot of money to the bank, or your credit information is tainted, the user who becomes Lao Lai has no function and no quota, or is not qualified to open WeChat flower buds at all.

In short, whether it is credit card, flower shop, loan, WeChat payment, etc. Everyone should do what he can according to his personal economic ability. It is good for you to make good use of your vacation for short-term turnover, but if you don't use it well, you will put a lot of pressure on yourself and turn it into a long-term loan. In this case, it is suggested to turn off these borrowing functions actively, so as to manage them well and really not let yourself dig a hole and jump in.

So I personally think this sentence "Is it because I don't owe enough money?" There is a kind of complaint and a kind of self-indulgence. Wechat blossoms, whether it's your business or not, you don't have to close it. Did Ma Hua Teng insist on lending you money, but he borrowed it himself? And if you borrow money, you have to pay it back. Only by staying away from these channels of borrowing money can we really avoid many problems.

When Alipay earns a lot of money with its "flower garden", how can Tencent, which is best at "plagiarism", not be jealous and not learn from it! It may have been subject to fewer application scenarios in the past. Wechat has never launched its own "credit consumption, installment payment" products, but this time it just wants a piece of it!

At present, many Internet financial products of Tencent are designed and developed for Alipay. For example, the "micro-loan" launched by WeChat refers to Alipay's "loan"; Wechat focuses on the "turnover" of temporary reserve funds, and the target is also Alipay "reserve funds".

Now, WeChat "Dividend Payment" has been dubbed as the WeChat version "Flower Garden" by the majority of netizens. It can be seen that this kind of copy and paste is not only used by the majority of netizens, but Tencent is also an expert and can be used freely!

Judging from past experience, almost all Alipay's high-quality customers have passed the "Flower Garden", but not all WeChat's high-quality customers can open "micro-loans"!

In the same way, the WeChat version of "Flower Garden" is definitely not for all WeChat customers. Even if you often use WeChat to pay, you may not be eligible to open it!

Perhaps, the standard of WeChat audit is higher and the audit is stricter, but it also reflects that WeChat's own risk control ability is weaker! Wechat has more than 65.438 billion users, but what's the point of authorizing only 65.438 billion users to open "separate payment" for fear of overdue and bad debts?

In addition, there are few application scenarios of WeChat, which is not worth opening! There are Tmall, Taobao and JD.COM Mall, which can achieve good development; As for WeChat, it's ok to buy shares in Pinduoduo, but it's not clear how much consumption potential can be supported only by Pinduoduo!

"Internet companies in the United States have their own sites and don't concentrate on making loans and payments, but now Internet companies in China are doing finance." Zhou, 360, said so, but in the end he also started. Corporate ethics is forgotten!

Almost all Internet giants regard micro-credit loans or virtual credit card products as future profit growth points. The final result is: the borrower has multiple debts and the motivation for social and economic development is insufficient. It's all loans, but who wants to do business? If everyone is in this business, society will be in jeopardy.

Although these Internet giants seem to have their own strengths in search, mobile phones and e-commerce, in the end, lending is their battleground. There is a paragraph saying that "Wuzhen Internet Conference is over. If you don't leave, you can continue to open the online loan conference by changing your name. "

We can see how many such products are on the market at present.

Wechat came late among these giants and was conservative before, but it is the same. I want a loan, too. In addition to the "micro-loan" of Weizhong Bank, we use WeChat and QQ platforms to lend money, and there is also a "revolving" loan product behind it. However, this product is also very conservative, and the conditions for obtaining loans are very harsh. Or "circulation" is not a personal small loan without credit, and the effect should be very general after going online.

However, although WeChat has 65.438 billion users, there should be many users after going online, but this is definitely not a product that the public needed at that time. Why?

1. Now the national debt ratio is getting higher and higher, and many young people are already overwhelmed. I'm racking my brains for how to repay every month, and I can't work with peace of mind. According to statistics, the post-90s generation accounts for 43.48% of the consumer loan group, and they are all lending targets of Internet giants. Nearly 30% of users are robbing Peter to pay Paul.

2. Now the supervision has noticed this phenomenon, which will greatly increase the unstable factors and do serious negative harm to economic development. Therefore, starting from the first half of the year, we started with financial institutions, managed the total amount of credit granted to customers across banks and institutions, and punished illegal acts such as issuing credit cards indiscriminately and cashing out illegally. Then further extend to the online loan industry, crack down on illegal online loans, and shut down third-party payment platforms that assist in deduction. The purpose is to reduce the debt level.

3. For virtual credit card products, the central bank has refused to agree to open such products in the past. Will you manage it in the future? However, since Alipay opened the gap, JD.COM White Strips and other products have been put on the market one after another, and the products that are overdrawn first and then repaid are operated in the mode of commercial factoring. At present, the market share is very high, but because it is not a licensed financial product, it cannot effectively combat and prevent its gray cash-out and substantial borrowing behavior. So in the future, will the People's Bank of China ask for lowering the quota or even canceling such products?

Of course, Internet giants have their own small abacus. So many users, if you don't borrow, the accumulated traffic and data will be wasted. So that's what they want to earn.

But Mr. Dodd wants to ask these internet giants, including Tencent's upcoming "Payment", "Do you think your business is an ethical one?" It is estimated that everyone will answer "we are businessmen" in unison.

Originally, I was optimistic about the launch of the flower garden function by WeChat, but after reading some comments on the Internet, I changed my mind.

1、

When chatting in the group the other day, a child who likes to play the glory of the king asked where to find artificial customer service. As a warm-hearted person, I helped her search in Baidu for a long time and searched on QQ/ WeChat for a long time. I really haven't found any human customer service, only robots.

Imagine, if there is something wrong with my WeChat flower bud, where should I find customer service? At this point, Alipay has really done a good job. My roommate used to work part-time in Alipay customer service. They have high demands on their employees. Even if they can't fully meet the demand, at least their attitude is good and their response is immediate.

2、

Alipay is a financial management tool for us, but WeChat is much more meaningful to us. In addition to chatting, many tencent games users need to use WeChat to log in. And as we all know, tencent games is quite strict. Violation of the rules, if the circumstances are serious, the title will be given, and occasionally the title will be mistakenly given.

What should I do if I get the title because of a mistake? If you don't return it in time, you will probably lose your credit, but the title is not easy to find customer service, which is very embarrassing.

There are still many people who think that Alipay is a very user-friendly product, which is the reason to support the flower bud, and will not choose to change the WeChat flower bud.

My personal opinion is not optimistic. There are many WeChat users and Tencent is strong, but some problems are not solved, so it is difficult for users to choose with confidence. For example, Meituan has also launched a similar function, called Meituan's living expenses, which can be taken out this month and returned next month. However, not many people use it. If WeChat can't operate this function well, the prediction result will be lost.

It's not that you don't owe enough, it's that you have to pay back when you come out to mix!

Have you noticed that now as long as you pay with Alipay, the system will use Bai Hua by default. Even if you choose your own bank card, the next payment will default to Bai Hua.

Do you know why?

Because if you choose your own balance or debit card, Alipay can hardly receive any settlement service fee.

However, if you choose a credit card, Alipay will charge a service fee of 0.6%, which means that if you use Alipay to bind the credit card to pay 1000, the merchant can only get 994, and the remaining 6 yuan will be divided equally between Alipay and the credit card issuer.

Is there a feeling that I opened this mountain and planted this tree, and I will leave the feeling of buying road money if I want to live from now on?

Alipay thought at this time, since I can pull the money from the goose, why do I still pull the bank? I have my own garden, similar to a credit card. As long as someone uses it, doesn't that 0.6% go into my pocket? This business alone is estimated to generate billions of profits for Alipay every year. Do you think WeChat can be indifferent?

As a payment and settlement institution with the current market share second only to Alipay, WeChat Payment certainly doesn't want to look at so much water in its account and only share 0.6% service fee with the bank credit card. So what is certain is that WeChat's "separate payment" is definitely not a whim, but a long-planned one, which is a big move to realize its own user traffic.

I would also like to remind you that it is really convenient to use flowers and pay by installment. It only takes a little bit to overdraw, without going to the bank to open a card.

But the money lent to you by these two institutions is from the bank. They are intermediaries, so the cost of capital is higher than that of banks. The most intuitive thing is that their longest repayment period is only 30 days, while banks can have 45 days, and their installment fee is much higher than that of banks.

The WeChat version of Huayuan will be launched soon and has been tested internally, but I believe it is not that easy to borrow money from Ma. As for the netizen saying, "Is it because I don't owe enough money?" This is a romantic and self-indulgence. Let me talk about my personal opinion.

Now is the credit age. In the era of credit, you can borrow money with credit. As long as there is no bad credit record, you can use your ID card to get a loan. Because of this, some people always find it easy to borrow money now. Having no money to spend, borrow money to spend, will cause many people to spend a long time, and the hole in debt can't be filled, so they become an old-timer, putting their life credit in. Some netizens said: "Is it because I don't owe enough money?" Judging from the tone of this sentence, it belongs to someone who already owes money. For example, bank credit cards, Alipay loans and flower buds, the arrears of major online financial institutions have caused many people a headache, and even the money of these financial institutions has not been paid. Now wechat has come to Huayuan again and can borrow money again. Does this mean adding debts to these people?

In fact, it is not as real as this netizen said. I tell you, Ma Hua Teng's money is far more difficult to borrow than Ma Yun's, so you don't want to borrow it. The most typical one is micro-loan, so many WeChat users? How many people have small loans? Therefore, the same is true of the WeChat version of the flower garden. If you want the horse to pay the bill, you must first be qualified to borrow money. If WeChat doesn't give you the payment function, the money you want to spend on Ma Hua Teng becomes virtual.

However, if some WeChat users have the payment function, they can spend Ma's money. However, WeChat payment also needs credit information, and it will also monitor everyone's economic ability and debt ability! If you have already owed a lot of money to the bank, or your credit information is tainted, the user who becomes Lao Lai has no function and no quota, or is not qualified to open WeChat flower buds at all.

In short, whether it is credit card, flower shop, loan, WeChat payment, etc. Everyone should do what he can according to his personal economic ability. It is good for you to make good use of your vacation for short-term turnover, but if you don't use it well, you will put a lot of pressure on yourself and turn it into a long-term loan. In this case, it is suggested to turn off these borrowing functions actively, so as to manage them well and really not let yourself dig a hole and jump in.

So I personally think this sentence "Is it because I don't owe enough money?" There is a kind of complaint and a kind of self-indulgence. Wechat blossoms, whether it's your business or not, you don't have to close it. Did Ma Hua Teng insist on lending you money, but he borrowed it himself? And if you borrow money, you have to pay it back. Only by staying away from these channels of borrowing money can we really avoid many problems.

The WeChat version of "Flower Garden" will go online, not because "you" don't owe enough, but because "I" don't earn enough!

In fact, as we all know, the financial products on WeChat can be regarded as copies of Alipay, so there is a saying that WeChat develops benchmark products according to Alipay's financial products. Alipay engages in "borrowing", WeChat engages in "micro-lending", Alipay engages in "reserve fund", WeChat engages in "turnover", Alipay engages in balance treasure, and WeChat engages in "change pass". I am afraid that Tencent itself will not defend this. To put it bluntly, copy one when you see one.

Now, Tencent has to make its own credit installment products for the standard Alipay "Flower Garden". This kind of credit payment product, similar to WeChat payment "Flower Garden", is called "Divided Payment", but it is still incubating internally.

At present, many people have formed the habit of Alipay using flower buds. The flower garden business has developed rapidly in recent years and continues to be profitable. In 20 15, the flower bud business only contributed 7 million yuan, but in 20 17, the flower bud business has reached 2.039 billion yuan, with an extremely rapid growth rate. This is also the reason why Tencent did not do it in previous years, because it felt that it did not make money at that time. Since others have made money, it will naturally not miss this opportunity.

Therefore, WeChat now wants to engage in consumer staging products and engage in its own "garden". It's not that we don't owe enough. Tencent doesn't care how much you owe, only whether you can pay it back. He can do risk control through big data. He is more concerned about whether he has earned enough, and where he can make money, he will go.

Less than a week after Ma Yun retired, WeChat came with a blockbuster. In the fourth quarter of this year, the WeChat version of Huayuan will be launched. The name is pink husband for the time being, but this name is not pleasant to listen to. I don't know if it will be revised in the future.

In fact, the WeChat version of the flower garden is too late, but some netizens said, why do you want to come? Don't you think I owe enough money? Then why is WeChat going online for this payment now? I completely saw the powerful gold absorption ability of Alipay flower buds.

According to the news we got, at present, the ant flower garden has 300 million users, and the income from 20 17 is as high as 6.598 billion yuan. The net profit is 3.4 billion, and now the number of users in Huayuan far exceeds this figure in terms of both quantity and revenue. Tencent will definitely not let go of such a big cake.

It's just that the pace of WeChat is slow, not generally slow. JD.COM Baitiao was launched in February 20 14, and Alipay Bai Hua was launched in April 20 15. It has been four or five years now, and it has its own strong advantages in terms of system and experience.

Wechat is just a zero in this respect. In order to better pay online, last year it was an online WeChat payment score, but it was only an internal test. Users who want to open it must use the designated charging treasure, but there are too few usage scenarios supported by this WeChat payment sub.

Compared with Alipay's sesame credit, it is simply a heaven and an underground, and it is slowly forgotten by users. So far, you can only use the charging treasure without deposit. Then why do you pay online? As mentioned earlier, it has a strong ability to absorb gold.

Tencent looks greedy. The second is the realization of WeChat traffic. Even though WeChat has a huge number of users, there is no software or results available. A few years ago, the official WeChat account was really a hit, but now it is suppressed by the media and short videos.

Coupled with the proliferation of advertisements in the WeChat circle of friends, the retention time of users has been significantly shortened. Take a look and search, but you can't get the latest news at all. This is why we have the live test function of WeChat official account, but it is still a big difference. The development of Tencent's daily express, micro-vision and penguin has not improved much.

In this context, it can only be developed in other fields. According to Tencent's second quarter financial report, financial technology and enterprise services have become Tencent's second largest business. This business mainly includes wealth management, payment, securities and innovative finance, except consumer finance.

It is natural to focus on consumer finance. So considering these factors, it is normal for the WeChat version to go online, but it is a little late, a few years later than others. I don't know what you think of the split account. Do you want it online?