Does Huabei belong to decentralized finance
and enter the column
almost every supporter of encryption start-ups has a trend, that is, to use the decentralized value of blockchain technology to sell their business fundamentals
in this paper, we will explain the differences between decentralized financial agreement business and traditional business:
we will mainly discuss two aspects:
1) what is the real meaning of defi
2) what are the types and main differences of defi platforms< Users of traditional financial systems often want to build a system that is easier to access, more transparent, lower transaction costs and less dependent on intermediaries. To build such a more equitable financial system, banks, loans and derivatives must undergo fundamental changes. In addition, a decentralized ecosystem, such as defi, is needed. It promotes P2P lending, eliminates centralized control, and provides users with financial freedom
recently, in the field of cryptocurrency, there are many discussions about defi. It provides financial services to the world: loans, derivatives and other procts. Moreover, the role of traditional financial intermediaries has weakened, or even failed to play a role. Proponents of a decentralized financial system see defi as a good alternative to traditional lending. Some have called it the future of borrowing
defi is built on public blockchains such as bitcoin network and Ethereum. It has become one of the "core drivers" on the Ethereum network. By using unlicensed distributed networks, the defi platform converts financial procts into untrusted protocols that can be accessed by anyone anywhere in the world. People who don't have an account in the bank can also use the defi solution to loan and borrow assets, as well as to trade with financial instruments
open source platforms provide users with great benefits, including transparency, cheap cross-border transactions, no credit checks and less censorship. Anyone can carry out financial activities because there is no geographical restriction<
the degree of decentralization of defi
in recent months, the introction of defi solutions has proliferated. They have different models and their degree of decentralization is also different. Compared with other models, some defi models have poor dispersion. This is because only a few of their components are decentralized, while the rest are still centrally controlled by the company
the establishment of agreement, non trust, price supply, determination of interest rate, provision of liquidity of margin call and start-up of margin call are the key components of defi agreement. They determine the degree of decentralization
if there are a large number of decentralized components, then the defi protocol is more decentralized than other models. Such a protocol will give users complete control over their digital assets and get rid of centralized control. So far, there is no single defi protocol that disperses all components
each defi protocol is assigned a category according to the number of distributed components:
centralized finance (cefi)
defi solutions are usually unmanaged, which means that users can control their funds and be responsible for their security. Instead, cefi is hosted. The central system is responsible for keeping the assets of users and ensuring the safety of users' funds
when it comes to loans or loans, users can't control any aspect of funds. The interest rate is determined by the central government, and the liquidity of margin call is provided by the central system or authorities. Cefi procts use centralized price supply, and it is also permitted to issue margin call. Thank you very much for your patience. If you have any help, please accept it. I wish you a happy life! thank you!
Huabei is a consumer credit proct launched by ant financial services. Huabei is a scene based credit consumption tool in the Internet era. When consuming, users can use the amount of Huabei to enjoy the shopping experience of "consumption before payment"
Huabei's proct features:
1. Purchase first, then repay (except for some specific categories such as Taobao travel, recharge, movie tickets, etc., in Taobao tmall transaction, it is recorded after confirming the receipt of goods, while in other platform transactions, it is recorded after placing an order for payment)
2. Free use of consumption quota for shopping (if using Huabei installment purchase, the buyer should bear the specified fee according to the rate set by the merchant)
3, repayment convenience, support Alipay automatic repayment. p>
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the social value of Huabei:
many online consumers covered by ant Huabei are not touched by traditional financial institutions. Among the users of ant Huabei, more than 60% have not used the financial services provided by traditional financial institutions before
after using ant flower, the consumption ability of users has been improved by about 10%, which plays a positive role in promoting consumption. The stimulating effect of ant flower chant is more obvious for the low and middle consumption groups. Driven by ant flower chant, the consumption power of the people who consume less than 1000 yuan per month has increased by 50%
proct features:
1. Buy in the current month and repay next month (except for some specific categories such as Taobao travel, recharge and movie tickets, Taobao tmall will repay next month after confirming the receipt of goods, and repay next month after placing an order for payment in other platform transactions)
2. Free use of consumption quota for shopping (if using Hua installment, the buyer should bear the specified fee according to the rate set by the merchant)
3. repayment is convenient to support Alipay automatic repayment.
The Huabei quota of 20000 is at a high level
the full name of Huabei is ant Huabei, which is a consumer credit proct launched by ant financial services. After applying for opening, it will get a consumption line of 500-50000 yuan. When users consume, they can advance the amount of ant flower and enjoy the shopping experience of "consume first, pay later"
instry insiders believe that banks and other financial institutions have experience in capital and risk control, while Huabei has consumption scenarios and risk control data. Both sides have their own strengths and complement each other. Therefore, cooperation can not only enable finance to truly serve the reasonable consumption needs of users, but also better control risks, rece capital and service costs, which is concive to the development of the instry
on August 4, 2016, ant Huabei consumer credit asset-backed securities project was listed on Shanghai Stock Exchange, which is also the first Internet consumer finance ABS of Shanghai Stock Exchange[ 1]
as of January 2018, ant financial services has actively increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to 12 billion yuan[ 2] On May 18, Huabei announced its opening to banks and other financial institutions[ 3]
Chinese name
Hua Hua
foreign name
Ant check later
500-50000
launch platform
ant ant service / / Alipay service / / > flower / community development / / > development. Ant flower flower was officially launched in April 2015, mainly used for shopping on Tmall and Taobao, and is loved by consumers, especially after 80 and 90. In order to better serve consumers, ant Huabei began to break the restrictions of the shopping platform and expand its services to more online and offline consumption areas
only half a month after ant Huabei was launched, more than 1.5 million businesses of tmall and Taobao have opened Huabei. Many businesses with faster response have begun to modify the baby description and directly add the words "support flower chant" in order to attract consumers more accurately. The person in charge of Durex tmall flagship store told reporters that a proct specially launched for new users of ant Huabei sold more than ten thousand copies a day, robbing all the inventory in a week
according to the data, the transaction conversion increased by 40% after the merchants connected to ant Huabei staging.
if you want to increase the quota, users can try to increase Alipay account activity and maintain a good credit record. Huabei will also launch quota promotion activities from time to time
if you don't have enough money to spend, you can consider borrowing money from Jie and xiaoman finance. Qianqianhua is a credit brand of xiaoman finance. It provides users with safe, convenient, non secured and non secured credit services. Borrowing money will go to xiaoman finance app Click to enter xiaoman financial official website (learn more)
xiaoman finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand will spend money to fully support the proction and operation of small and micro enterprises. Duxiaoman finance is the first choice for most small and micro owners when they have capital turnover. It is reported that 70% of the credit users of xiaoman finance are small and micro business owners. So far, xiaoman finance, together with dozens of financial partners, has issued hundreds of billions of yuan of loans to small and micro business owners
this answer is provided by KangBo finance and economics. KangBo finance and economics focuses on the interpretation of financial hot events and the popularization of financial knowledge. It adheres to the profession and pursues fun. It is a financial content that people can understand and transmits financial value in a variety of vivid ways. I hope this answer will help you.
Huabei risk control means that Huabei cannot be used for payment on the platform
causes flower control reasons:
1, overe repayment
ant flower, like credit card, has a grace period of 3 days. If there is a special case, you can apply to Alipay customer service to apply for the grace period of 3 days. In addition to the three-day grace period, other overe repayment may lead to ant flower risk control
2, payment in irregular payment channels
ant flower chant can be used in many places. There are some people who choose some low cost and irregular channels because of the cost and cost problem (for merchants to spend money to pay Alipay). p>
3. Don't use it for a long time, and suddenly consume a large amount of money
the original intention of ant Huabei is to hope that users can use it in a variety of places in their lives, such as eating, taking a taxi, supermarkets and Taobao. If you suddenly use it in a large amount, it will make Huabei's risk control system feel that your consumption is abnormal, and even mistakenly think that it is stolen, so it will be limited
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methods to avoid risk control of Huabei:
1. Transfer money on time. Ant Huabei will issue the consumption bill of last month on the 1st of each month. If the funds are sufficient, it can be fully repaid. If there is pressure, it can be repaid by installments. In general, it must not be overe
2. In well-known shops, although Huabei is very convenient to use, roadside stalls and small shops can also be used, it should not be used in small shops as far as possible to avoid minefields
3. Diversified consumption, more use, large amount and small amount are fully used
points for attention in the use of ant flower chant:
1. Ant flower chant is a formal consumer micro loan. If it is overe and dishonest, it will affect personal credit investigation, and even indirectly affect the processing of loans and credit cards
2. Once ant Hua is overe, it will face formal collection. And the main collection is ubiquitous and long-term. In the era of big data, Alipay has grasped the core of it, so the dishonest person is faced with nowhere to hide and nowhere to hide. At present, all applications for high interest loan procts need to go through big data screening
Once overe, the nature of Huabei is more serious, it will not only consult credit, but also be strictly restricted and supervised in personal housing loans and other social and economic activitiesat present, when some formal financial institutions and banks apply for loans, they ask for settlement or directly refuse loans to customers with online loan procts such as ant flower. And because of its particularity, in the future, online shopping loans, daily consumption, online payment, and even car rental, part-time delivery, are likely to be rejected and affected