< p > when Alipay launched a virtual credit card last year, it is still in the process of testing, and the Jingdong is relaying it.

Yesterday, Jingdong mall began to measure its personal credit payment business "Jingdong white", the first batch of 500 thousand places, each highest 15 thousand credit limit.

Then, a person familiar with the matter said that Tencent's fortune Fu Tong will cooperate with the four major banks to conduct virtual credit according to the online consumption flow of QQ accounts.

In fact, the use of big data accumulated by online shopping, and then issuing consumer credit to qualified users, has always been the coveted direction of many electric providers.

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< p > however, how many markets are there on the Internet virtual credit business? There is no credit card overdue "blacklist" deterrence, nor credit card consumption on line, and a virtual credit card with high risk of lending.

"Through overdraft to stimulate consumer desire, promote its < a href=" //m.pmae.cn/news/index_s.asp "sales > /a > growth."

Mo Daiqing, an analyst with the China Electronic Commerce Research Center, said that this is the main reason why the electricity supplier pushes the payment of personal credit.

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< p > > strong > big data era, the electricity supplier is pushing the overdraft consumption < /strong > /p >

< p > according to the "Jingdong white strip" internal measurement method, customers' consumption frequency, total amount, category and maximum consumption amount in 2013 are the 4 main factors to decide whether they can get the qualification and quota of the white bill.

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< p > generally speaking, if you want to get a 15 thousand credit limit, you may have to spend more than that amount last year.

Almost all users with this spending power will have bank credit cards.

Contrast quota, the Bank of China Puka 3000-10000 yuan, gold card 10 thousand -5 million.

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< p > reporter survey, "white stripes" users can choose the longest 30 days interest free deferred payment, or 3 to 12 months installment payment in two different ways.

If the latter is chosen, it will be calculated at the rate of 0.5% per period.

In addition, if Jingdong repeatedly reminded users that they still did not repay their debts at maturity, the penalty was 0.03% per day.

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< p > as early as last March, Ali financial executives' a href= "//m.pmae.cn/pioneer/" > Hu Xiaoming < /a > said that the first product of Ali financial group and Alipay business integration "credit payment" will be available in April.

However, yesterday, Alipay stakeholders told the fast financial reporter that the current credit payment is still in the test. He explained that the initial Alipay credit payment project was aimed at solving the problem of Alipay's mobile terminal payment, allowing users to pay more conveniently using mobile phones. In June, the launch of the balance treasure has achieved this goal to a certain extent.

"Now users can pfer the balance of money to shopping at any time, which makes the credit payment project no longer urgent."

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< p > according to the plan previously disclosed by Alipay, users can use mobile phone Alipay payment to directly overdraw consumption, the maximum amount is 5000 yuan, and all the loan funds are provided by cooperative banks.

The payment of payment is taken by the merchant or the customer. The cost is between 0.8% and 1%. The credit payment has a period of 38 days free of interest and a fine of 50% of the benchmark interest rate after the overdue.

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< p > Tencent has been following the trend in Internet finance.

Its virtual payment products are also being planned. The insider revealed that Cai Fu Tong will cooperate with the four major banks to develop the virtual credit payment function according to the online consumption flow of QQ accounts.

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< p > < strong > virtual credit card is intended to stimulate trading volume < /strong > < /p >

< p > comparison claims that 100 million of the registered users, Jingdong mall 500 thousand "ious" should only favor online shopping "chopped hands" and tyrant.

This application is much more difficult than the bank credit card. Generally speaking, the bank will provide a credit line of several thousand to ten thousand yuan for providing identity cards and proof of work including income level.

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Compared with < p >, the use scope of < a href= "//m.pmae.cn/business/" > virtual credit card < /a > is generally limited to the online shopping platform of e-commerce providers, and it is even more difficult for offline credit card consumption.

At the same time, bank credit cards have more advantages in terms of interest free periods and installments.

However, if an e-commerce platform can meet the needs of online shopping, users can use the virtual credit card more convenient, and because there is no correlation with the central bank's credit information system, there is no worry about the "blacklist".

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< p > for malicious non repayment, Jingdong said it would cooperate with the judicial department to push for it.

Alipay also said last year that if users overdue, SMS notification, then voice collection, and finally artificially collected or even door-to-door collection, after 1 years of collection, still no repayment, Alipay will write off its own, overdue one year or more customers will be canceled Alipay account.

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< p > using the big data accumulated by online shopping, the electricity supplier will issue consumer credit to eligible users, while earning interest margins, it can also stimulate trading volume.

Last year, when Taobao tried to push the virtual credit card, the official announcement said that credit payment would bring about 40% increase in business volume for merchants.

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