Alipay is not able to get credit for it? Ants borrow Bai is a small loan product of Alibaba Alipay. Many people will ask ants to borrow credit letters?
Can I borrow it or not
Reference 1: using Ali's loan, loan information may indeed appear in the central bank's personal credit report.
Some users consulted the customer service of Jiebai, and there were records of using Jiebai in the credit report of some customers.
Reference 2: the key to credit reference depends on whether you use the seller's loan or the buyer's loan.
Buyers will not enter the personal credit system when they use loan. However, once overdue, it will affect the processing of loan business and credit card business in the future. After all, sesame credit has been connected to the credit system of most banks.
If the buyer's loan is seriously overdue, overdue for more than three consecutive months, or overdue for more than a certain amount, the overdue record will also be entered into the central bank's credit reference system.
And the seller's loan will definitely enter the credit information system of the people's Bank of China, because the seller's loan is an operating loan. Of course, in order to make up for the defect of credit investigation, the seller will give users a very high amount of credit and a very low interest rate. The online ones with 300000 amount and 1.5% daily interest (the comprehensive annual interest is less than 6%) are generally borrowed by the seller.
How to confirm whether our loan is a seller or a buyer?
In addition to the amount and interest rate of borrowing, and whether your account has registered with Taobao store, there is a very simple way.
Click "borrow" and "go to borrow". Enter an amount randomly in "how much to borrow" and a loan agreement will appear at the bottom of the screen. If it is a "personal consumption loan contract", it will not go to the credit reference system of the people's Bank of China. If it is a "business loan contract", it will go to the credit reference system of the people's Bank of China.
On the contract page, the corresponding application for personal loan is also "consumer trust loan", while the corresponding application for operating loan is "operating trust loan".
The above is the content of ant's borrowing but not credit reference. So far, I hope it can help you.