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          Alipay will push credit payment service

          Alipay will push credit payment service On the morning of August 8th, following the launch of Yu'e Bao, Alibaba Finance plans to launch a credit payment service next week: Users can use Alipay payment without bundling a credit card or a savings card, and can directly overdraw consumption with a maximum amount of 5,000 yuan. The loan funds are all funded by cooperation. Bank offers.

          Alibaba's credit payment information was disclosed as early as March of this year. This product is Alibaba.com's mining of user's credit status based on accumulated user data, thereby crediting users. The credit line of 1-5000 yuan can meet the daily payment needs of users, and at the same time Solve the payment experience in mobile shopping.

          According to the information disclosed by Ali in March, the credit payment loan funds are provided by the cooperative bank, and Alibabaa€?s Chongqing Chengcheng Guarantee Company provides full guarantees and assumes all risks. The payment processing fee is borne by the merchant or customer at the expense of 0.8%-1. Between the %, the credit payment has a 38-day interest-free period. After the overdue period, a 50% benchmark interest rate is imposed.

          If there is overdue, Ali Financial first SMS notification, and then voice collection, and finally artificial collection or even door-to-door reminder, collection will not be repaid after a year, Ali Finance will be self-written, overdue for more than one year for customers to pay the price, Will be canceled Alipay account.

          As to why credit payment services should be launched, Hu Xiaoming, the president of Ali Financial Group, said in an interview with media in March this year that Alipaya€?s mobile banking through Chinaa€?s banking industry last year had a 38% success rate for full payment, and 62% was After the customer created the transaction, the payment was unsuccessful. This did not include some customers. Because the payment was unsuccessful, he could not create a transaction. This could be solved by using a small credit payment.

          It is understood that from March onwards, credit payments have been carried out by merchants at Taobao and Tmall. At present, the work in this area has been completed, and only the consumer-side services are on-line. At the time of initial launch, credit card payment may still choose a few provinces and cities to pilot first, and then it will be promoted nationwide.

          Ali Xiaowei Public Relations Department confirmed that related projects are indeed in progress, but there is no more news to disclose.

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          亚洲 欧美 图片 自拍 视频
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