Ant micro-loan test white Stripes Business "Flower Bai", the highest consumption limit

On the weekend, pay treasure page suddenly appeared a "Flower Bai" function: Consumers can "flower chant" to buy products, next month to make repayments, and jingdong white white stripes very similar. Look at Alibaba, the credit paid 20 months pregnant still dystocia, virtual credit card was stopped, in the consumer credit business attempts repeatedly frustrated, Ali had to put the credit to pay products in the snow, instead of introducing alternatives-credit business.

It is understood that "flower Bai" is the ant golden suit under the ant Micro-loan (formerly Ali Small loans) is testing a new consumer credit services, with "Flower Bai" can be directly in Taobao, Cat shopping, and in the confirmation of the receipt of the next month 10th repayment can be. "Flower Bai" currently gives the limit of consumption is 30,000, after repayment, the consumption quota will be restored. The longest interest-free period can be 41 days, beyond the time limit and outstanding balance, consumers need to pay five out of 10,000 per day, and is compound interest, and general bank credit card roughly equivalent.

At present, "Flower Bai" is still in the testing phase, not all users can see it in the Alipay home page, only after the large data analysis and meet the credit requirements of users to use. However, the future cat and Taobao most of the merchants or commodities will support the "Flower chant" service. If the user can see the "Flower chant" service when paying, it means the product support. So I silently opened their own Alipay, found that "Flower Bai" two characters are not particularly eye-catching appeared in the Alipay account page, the limit is 4000 yuan.

Let's look at Ali's attempts at credit business:

Earlier, the days of the cat and the Ant micro-credit joint launch of "Day Cat installment" Business, can cover all categories of cat products and all merchants. At present, the ceiling of the day cat installment is 10,000 yuan, the user may choose 3, 6, 9 installments installment repayment, and 3 period is zero handling charge. This year, double 11, Day Cat installment is launched a vicious "11 period 0 handling fee" Phased service, consumers can not only 0 to pay the purchase of goods, the day's bill can spend a year slowly still, and there is no handling fees.

In contrast, "Flower Bai" in the amount of more advantages, but do not support the stage. In addition, "Flower Bai" business scope covers the cat and Taobao two big platforms.

Ant Gold Clothing related responsible person pointed out, "Flower Bai" The consumption quota is the ant micro-loan according to the consumer's net purchase and the payment custom and so on the data, unifies own development the wind control model, through to the big data carries on the computation and the analysis obtains. The credit line and the user's consumption habits, payment methods, credit data, account data and so on, this must also be the ant gold Clothing for large data on a specific application of credit.

A financial industry personage has pointed out that it is based on the future of China's consumer finance development of good expectations, many companies choose to use consumer finance as one of the force point. At present, although the Beijing-East White Stripes, flowers chant, day cat installment of the purchase of credit products are also limited to online consumption, but with the number of users and the size of the expansion of its application scenario may move to the offline. By then, the bank's credit card payments, consumer loans and other white-line businesses will inevitably be hit.