不可以,花呗目前只支持实物付款,不支持虚拟商品付款。蚂蚁花呗是蚂蚁金服推出的一款消费信贷产品,申请开通后,将获得500-50000元不等的消费额度。用户在消费时,可以预支蚂蚁花呗的额度,享受“先消费,后付款”的购物体验。
2016年8月4日,蚂蚁花呗消费信贷资产支持证券项目在上海证券交易所挂牌,这也是上交所首单互联网消费金融ABS。蚂蚁花呗支持多场景购物使用。此前的主要应用场景是淘宝和天猫,淘宝和天猫内的大部分商户均可使用其支付。目前,蚂蚁花呗已经走出阿里系电商平台,共接入了40多家外部消费平台:大部分电商购物平台,比如亚马逊、苏宁等;本地生活服务类网站,比如口碑、美团、大众点评等;主流3C类官方商城,比如乐视、海尔、小米、OPPO等官方商城;以及海外购物的部分网站。
No, Huabei currently only supports physical payment, not virtual goods. Ant Huabei is a consumer credit product launched by Ant Financial. After applying for activation, you will receive a consumption limit ranging from 500 to 50,000 yuan. When consuming, users can advance the Ant Huabei credit limit and enjoy the shopping experience of "consume first, pay later".
On August 4, 2016, the Ant Huabei consumer credit asset-backed securities project was listed on the Shanghai Stock Exchange. This is also the first Internet consumer finance ABS on the Shanghai Stock Exchange. Ant Huabei supports multi-scenario shopping. The main application scenarios before were Taobao and Tmall, and most merchants in Taobao and Tmall can use it for payment. At present, Ant Huabei has gone beyond Alibaba's e-commerce platform and has connected to more than 40 external consumer platforms: most e-commerce shopping platforms, such as Amazon, Suning, etc.; local life service websites, such as Koubei, Meituan, Dianping, etc.; mainstream 3C official malls, such as LeTV, Haier, Xiaomi, OPPO, etc.; and some overseas shopping websites.
No.
In the past year, regulators have encouraged innovation in consumer credit four times, focusing on serving low- and middle-income groups, releasing consumption potential and promoting consumption upgrades.
Many of the online consumers covered by Ant Huabei are groups that traditional financial institutions have not reached. Among Ant Huabei users, more than 60% have never used the financial services provided by traditional financial institutions before.
After using Ant Huabei, users' spending power has increased by about 10% compared to before, which has played a positive role in boosting consumption. Ant Huabei has a more obvious stimulating effect on low- and middle-income groups. Driven by Ant Huabei, the spending power of people with an average monthly consumption of less than 1,000 yuan has increased by 50%