Jiebei

借呗信用贷款认知指南。Use for: (1) 利率认知——日利率换算真实年化、与银行信贷产品对比, (2) 征信影响的如实理解（借呗上征信、频繁借还的影响）, (3) 理性借贷决策框架与债务风险自查。Jiebei (Ant Cash Now) guide: daily-rate to APR conversion, credit-report facts, and responsible-borrowing framework.

by @zhangifonly·MIT-0