The reason it is being paid on time I assume is that many accounts are created for people never needed to borrow money, like my account. It was created automati

The reason it is being paid on time I assume is that many accounts are created for people never needed to borrow money, like my account. It was created automatically and my taobao purchases go through it if I don't choose to opt out(which I didn't do due to laziness). These rush to new gold mine in lending money to young people are very bad, Alibaba is probably a responsible player, but there are so many bad players now. I personally do worry about the future for young generations.