The flower bud borrowed by Ant Financial Services has a registered capital of only 3.8 billion yuan, which can be enlarged by 2.3 times according to the regulations, that is, it can do business of 8.74 billion yuan. At present, the lending scale of Ant Financial Services is as high as 300 billion yuan, which means that the consumption leverage of Ant Financial Services is close to 80 times, which is a serious violation.

When the central bank talks about Ant Financial Service, the consumption financial leverage of Ant Financial Service must be reduced. And what measures are there to reduce leverage?

First, Ant Financial has increased capital investment;

Second, reduce the loan amount;

Third, listing;

Fourth, transfer money to the online merchant bank.

What is the impact on users?

First, the quota of most users with bad credit will be cancelled or reduced, which is the trouble of many users recently;

Second, it is difficult for new users to blossom and borrow flowers, so there is so much money, so newcomers should not think so fast;

Third, it is more difficult to increase the amount, the capital is limited and the user base is increased. Raising the quota is not so easy;

Fourth, turn to the battlefield, from lending to online banking, and then to online banking operations. The quota may increase and the interest will decrease. Recently, many friends have been forced to transfer to online banking, and the interest has also decreased a lot.