蚂蚁花呗借呗被关闭的原因正式确认，望大家注意自己的这些行为！
当你花呗滥用，借贷严重，并且惊颤延期的话，支付宝大数据对你的信用评分就会降低。严重的话认为你的信用不足以你使用花呗借呗这样的功能，于是会对一些功能进行关闭，帮助你合理的使用支付宝！
蚂蚁花呗借呗被关闭的原因正式被确认，大家注意自己的这些行为！
支付宝现在已经成为我们日常使用的最多的一款APP，因为其功能的多样化，可以从多方面帮助我们解决日常需求！比如定外卖，叫车，生活缴费，移动支付等等！其中两个功能也是非常受年轻人的喜爱，那就是蚂蚁花呗和蚂蚁借呗功能！
蚂蚁花呗就像信用卡一样具备透支功能，也就是可以用蚂蚁花呗的额度进行提前消费，下个月还款期到的时候在一次性还款！而蚂蚁借呗则是更像现金借贷平台，在急需用钱的时候，可以通过蚂蚁借呗支取一定额度的现金到指定银行卡账户。这两个功能也是现在支付宝主要推广的功能，特别在年轻人之间受欢迎！
不过最近出现了很多蚂蚁花呗和借呗被强制关闭的现象，这样的现象也不是第一次出现，但是每次出现都是有原因的，这次也不例外。如果正常的支付宝账号使用，花呗使用也没有违规自然是不会被关闭账号的，但是总有些人钻空子！花呗的额度是支付宝给大家用户消费的，而且在当月消费巨大的时候，在第二个月进行还款的时候可选择延期还款或者是分期还款。花呗不管是延期的滞纳金，还是分期的利息都是很少的，所以有些人就是看中了这一点。对花呗额度进行大规模套现，套现最终损害的还是花呗的运营机制，所以这种行为是明令禁止的。一经发现就关闭其花呗功能，严重者甚至会封禁支付宝账户！
另一种情况就是涉及资金安全的时候，支付宝拥有着世界上最为顶级的风控机制，对于支付宝帐账号的一些不正常操作会进行监视。所以如果你的支付宝账户存在被盗风险，存在资金安全风险的时候，风控机制就会不断的对你进行提醒，甚至是阻止一些不正常操作，甚至是关闭花呗借呗功能！
还有一种情况就是借贷严重，并且经常还不上款！支付宝本身有对用户进行信用评分的功能，就是芝麻信用。当你花呗滥用，借贷严重，并且惊颤延期的话，支付宝大数据对你的信用评分就会降低。严重的话认为你的信用不足以你使用花呗借呗这样的功能，于是会对一些功能进行关闭，帮助你合理的使用支付宝！
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