It is detected that the fund account will be frozen in Alipay's system of borrowing money to buy funds. Alipay's loan is only used for consumption and cannot be used for other purposes (including investing in fund stocks), and the money lent through Alipay cannot be used to purchase funds on Alipay platform.

It is not cost-effective for Alipay to borrow funds, stocks and other products. At present, Alipay's loan is called Huabai, which is a loan platform that Alipay decides to open for you according to whether an individual has the qualification to borrow, with a daily interest rate of 4,000.