Mogujie Maibei adopts an invitation system. In recent times, the Internet consumer finance market has been turbulent. E-commerce platforms such as Alibaba, JD.com, and Suning have accelerated their layout. Internet consumer finance such as Huabei, JD.com Baitiao, and Suizhuifu have Products gradually penetrate into consumers' lives. As a shopping website recognized as “the one that best understands female consumers”, Mogujie is also actively welcoming the new era of consumer finance. It has teamed up with Zhongan Insurance’s personal consumption credit service “Maibei” specially designed for female consumers, and has successfully insured Customers can enjoy the "spend first, pay later" service. Maibei is equivalent to a virtual credit card, just like Taobao Huabei and JD Baitiao. Unlike Huabei, JD Baitiao, Rensuifu, etc., which only provide lending services on a fixed platform, Zhongan will establish the first domestic Internet credit management system. "Maibei" is the company's underwriting scoring system based on Mogujie users. Maibei's first attempt to apply this system to an e-commerce platform was Mogujie and Zhongan Insurance, which used big data platforms to score users' credit and provide corresponding consumer credit insurance services. Maibei adopts an invitation system and gives priority to senior users of Mogujie. The consumption limit ranges from 500 to 20,000 yuan. In other words, Mogujie Maibei cannot be opened without uninvited customers. Like Alipay Huabei, Mogujie Maibei is still in the public beta stage and is only available to some people. Friends who have received the invitation can just follow the prompts to activate and buy.