近日，演员杜淳的妻子王灿兮在微博平台发文称，自己从未开通过花呗，却频繁遭到花呗相关催债电话骚扰，该事件迅速引发广大网友关注和热议。 另外，据信号新闻报道，负责花呗安全技术的工作人员回应，用户遭遇此类情况可先向平台反馈，平台核实后会进行对应处理，但对于信息保护措施等核心 问题，并未给出明确答复。这种模糊回应，也让部分用户对平台的信息安全保障能力产生质疑。 作为重庆蚂蚁消费金融有限公司旗下消费信贷产品，花呗以"先消费、后还款"为核心机制，凭借便捷性和灵活性等优势，在市场中占据重要地位。此外，依 托支付宝生态，无需实体卡片与复杂手续，大幅降低了用户接入成本。 然而，在为广大用户带来便利的同时，花呗也暗藏不少隐忧，进一步加剧了用户端的信任危机。在黑猫投诉平台上，关于支付宝花呗的相关搜索词超4万 条，暴力催收已成为投诉重灾区。 有网友反映，"我在支付宝花呗上有逾期，目前暂无能力偿还，但肯定会还，可支付宝花呗催收人员采取暴力催收方式，给我父母打电话，导致我妈妈心悸 就医"。这类事件的频发，不仅损害了用户权益，更不断消耗着平台积累的用户信任。 不少有过类似经历的网友纷纷分享自身遭遇，并支招解决办法。收到网友建议后，王灿兮于 ...

Core Viewpoint - Tencent's WeChat Pay has updated its consumer credit service "Fenfu" to include both "payment at the time of consumption" and "borrowing to bank card for consumption" as part of its offerings, indicating a shift towards more flexible borrowing options for users [1][2]. Group 1: Product Features and Competition - Fenfu is a consumer credit product that allows users to borrow for various consumption scenarios, such as dining and shopping, but does not support red envelope transfers [2][5]. - The newly introduced borrowing feature is designed to assess user consumption levels based on transaction history, which aids in credit evaluation [2][8]. - Fenfu is currently in a gray testing phase and is only available to select users, while the more established product, WeChat's "Weilidai," is more visible and accessible within the app [3][5]. Group 2: Market Position and Financial Performance - Tencent's financial technology revenue has been steadily increasing, with consumer loan services contributing significantly to this growth [6][7]. - In the first half of 2024, Tencent's financial technology and enterprise services revenue reached RMB 555 billion, reflecting a 10% year-on-year increase [6]. - The registered capital of Tencent's financial subsidiary, Caifutong Xiaodai, ranks among the top in the industry, indicating strong financial backing for its lending operations [7]. Group 3: Industry Insights and Future Outlook - Analysts suggest that the integration of consumption loans and cash loans could enhance flexibility in funding usage, catering to both immediate consumption and short-term financial needs [8]. - The reliance on transaction history for credit assessment may improve risk control but could also exclude users with low transaction frequency despite having good credit [8]. - As Fenfu matures, it is expected to elevate the scale of consumer credit offerings within Tencent's ecosystem, intensifying competition in the consumer credit market [8].