Alipay's big move! "Borrowing" becomes "credit loan", and the user's credit investigation is not affected by the adjustment

每位编辑：何晓涛、易启江

Every editor: he Xiaotao, Yi Qijiang

支付宝有很大的动作。

Alipay has big moves.

11月7日，一些网民发现支付宝的"借款"名称改为"信用贷款"。产品截图显示，"信用贷款"页面将在显著位置显示"XX银行提供的金融服务"信息。进入贷款页面后，您还可以在"贷款明细与协议"中看到日利率、初始年利率、利息总额等信息。

In November 7th, some netizens found that Alipay's "borrow" name changed to "credit loan". The product screenshot shows that the "credit loan" page will display the information of "financial services provided by XX bank" in a prominent position. After entering the loan page, you can also see the daily interest rate, initial annual interest rate, total interest amount and other information in "loan details and agreement".

问：我的信用调查会受到影响吗？

Q: Will my credit investigation be affected?

答：您的信用调查记录不受此次调整的影响，为您服务的金融机构将在调整后继续报告。请按时还款，并做好信用调查记录。

A: Your credit investigation record will not be affected by this adjustment, and the financial institution serving you will continue to report after the adjustment. Please repay on time and keep a good credit investigation record.

一是纠正支付业务中的不正当竞争行为，让消费者在支付方式上有更多选择，打破支付宝与"华白"、"借"等其他金融产品的不正当联系，纠正支付环节嵌套信用业务等违法行为。

The first content is to correct unfair competition behavior in payment business, give consumers more choice in the way of payment, and break the improper connection between Alipay and other financial products such as "Hua Bai" and "borrow" and so on, so as to correct illegal behaviors such as nesting credit business in the payment link.

据《21世纪经济报道》，银监会非银行部门相关负责人表示，根据整改方案，蚂蚁集团应在蚂蚁消费金融公司开业后六个月内，按照两家小额贷款公司的监管规定，有序开展消费信贷业务，完成"花颂"和"借颂"的品牌整改。在蚂蚁消费金融公司开业一年的过渡期内，两家小额贷款公司实现了稳定有序的市场退出。

According to the 21st Century Business Herald, the relevant person in charge of the non banking department of the CBRC said that according to the rectification plan, ant group should orderly undertake the consumer credit business in line with the regulatory provisions of the two small loan companies within six months of the opening of ant consumer finance company, and complete the brand rectification of "flower chant" and "borrow chant". During the transition period of one year since the opening of ant consumer finance company, the two small loan companies realized a stable and orderly market exit.

整改后，"华白"和"借白"将成为蚂蚁消费金融公司的独家消费信贷产品。其他金融机构借助蚂蚁集团提供的数据信息发行的消费信贷将不再标注"华白"和"借白"的名称。中国保监会要求蚂蚁集团采取有效措施，确保金融消费者在申请消费信贷服务时能够充分了解信贷服务提供商的名称，避免品牌混淆。

After the rectification, "Huabai" and "borrow Bai" will become the exclusive consumer credit products of ant consumer finance company. The consumer credit issued by other financial institutions with the help of the data information provided by ant group will no longer be marked with the names of "Huabai" and "borrow Bai". Cbcirc requires ant group to take effective measures to ensure that financial consumers can fully understand the name of credit service providers when applying for consumer credit services, so as to avoid brand confusion.

今年6月，蚂蚁消费金融公司获准开业。

In June this year, ant consumer finance company was approved to open.

今年9月，华白将全面接入备受关注的央行征信系统。

In September this year, # Huabai will be fully connected to the central bank's credit investigation system # which has attracted attention.

在9月22日的公告中，华白明确表示，华白旗下的重庆蚂蚁消费金融有限公司作为在本行上市并受中国保监会监管的持牌金融机构，其服务记录信息也应与银行贷款信息一样纳入征信系统。公告称，华白已引进多家金融机构提供服务。换言之，蚂蚁华白的经营主体已由"网上小额贷款"变更为"特许消费基金"，即由重庆蚂蚁小额信贷有限公司变更为重庆蚂蚁消费金融有限公司。

In the announcement on September 22, Huabai made it clear that Chongqing ant Consumer Finance Co., Ltd., which belongs to Huabai, as a licensed financial institution listed with the bank and supervised by the cbcirc, its service record information should also be included in the credit investigation system like bank lending information. The announcement said that Huabai has introduced a number of financial institutions to provide services. In other words, the operation subject of ant Huabai has been changed from "online small loan" to "licensed consumption fund", that is, it has been changed from Chongqing ant microfinance Co., Ltd. to Chongqing ant Consumer Finance Co., Ltd.

Link：https://new.qq.com/omn/20211108/20211108A01HMA00.html

update time：2021-11-08 10:59:45