According to the report of finance of the first consumption, ant is beautiful ant of city of Chongqing of operation main body is small limited company of loan of small specified amount (abbreviation " ant is small borrow " ) the money newspaper of classics audit showed 2017: Flower year of net profit of creation be as high as 3.4 billion yuan.
Such achieving receive a record to be in magnanimity is small the be far ahead in borrowing company seniority. Be in other small when borrowing a company to suffer cruel Lei Fengbo, ant is beautiful can occupy industry in front of firmly as before.
Consume pattern of money market competition at present, be in most of stand-in is the consumptive finance platform with commercial bank credit card and Internet cable subordinate business, former represent in order to be versed in a credit card, Construction Bank credit card and action travel credit card are the head, and latter takes a division with ant gold next borrowing, flower represent for the head.
The word says, why be small in shifting an industry, dare everybody owe a flower unluckily money? Fraction defective just 1% basically be very little. Small finance thinks, this is spent with ant " culminating big move " about.
On June 30, 2017, ant is beautiful released " flower the user serves a contract " the clause adjusts announcement, announce to rise from June 30 " ant is beautiful " formal more the name is " flower " .
Among them " to build credit system, you agree and authorization service business runs the message that the industry self-discipline such as association of banking of Internet of the orgnaization signing a letter such as limited company, China is organized or other and lawful orgnaization having right sends you to sesame seed credence (include bad record information) need not inform you separately. " this wide attention that served a clause to cause a netizen.
The netizen is unscrambled serve a provision newly for the basis, if the user is in,spend reimbursement day does not have pay off before 24 o'clock answer entirely reimbursement specified amount, exceed the time limit not pay off, the influence individual ask forring believes a record.
Spend that is to say the meeting after exceed the time limit does not return faces the following kinds of consequence:
1, exceed the time limit punishs breath: Interest can generate after exceed the time limit, if want to restore exceed the time limit, need connects capital and poundage one case pay, ability can restore. A day extremely, 10 thousand yuan a day 5 yuan.
2, drop cent of sesame seed credence: Not only branch of oneself sesame seed credence is affected, return cent of sesame seed of friend of meeting embroil relative, individual reputation also can be reduced, sesame seed credence is divided under 600.
3, create undesirable credence record: Flower cent of credence of sesame seed of influence of reimbursement of exceed the time limit, affect individual credence to record then, pay cent of credence of treasure sesame seed to had become one of 8 big orgnaizations that sign a letter now (flower Beijing east white it is leasehold and informal to wait for a net to go up credence of beautiful influence individual records) .
4, influence loan and Shen Ka: Because credit record is bad, loan buys a room to buy a car to be able to produce very big effect, likelihood bank in installment accrual also is recorded as a result of your credence undesirable and should produce more cost. File credit card again may very difficult, even if examine and approve come down, does the forehead spend a likelihood to also be met very low (how does new card file after reimbursement of credit card exceed the time limit? What remedies methodological) .
5, sue punish again: Flower reimbursement of exceed the time limit is small criterion the forehead is spent reduce, sue again! Flower exceed the time limit may be not sued if reimbursement is serious, overdraw like credit card ill will same, the likelihood turns credit card into crime of fraud, average nevertheless specified number is spent not tall, the clue is not serious so won't exaggerative.
So, to the flower, what what wants to say does everybody have?
-- origin small finance
