LET'S TALK ABOUT THE BEIJING WHITE STRIP. THE KYOTO WHITE BOOK IS A NEW MEANS OF PAYMENT FOR THE PURCHASE AND PAYMENT OF THE BILL INTRODUCED BY KYOTO. BUT THAT'S WHAT HAPPENED. SOME PEOPLE TRIED TO APPLY FOR A KYOTO WHITE NOTE, AND IT WAS TURNED DOWN. THEY DON'T EVEN KNOW WHY THE BEIJING WHITES ARE “CLOSED”. LET ME SHARE WITH YOU WHY SOMETIMES YOU CAN'T USE KYOTO WHITE. WHY CAN'T YOU BORROW IT? THIS COULD CUT YOUR WHITE BAR AMOUNT AND PREVENT THE RISK OF YOUR FAILURE TO PAY ON TIME. SECOND, IF YOU HAVE A PERSONAL CREDIT PROBLEM, THE WHITE NOTE WILL LOOK AT YOUR “BOTTOM” ON A REGULAR BASIS, AND IF YOU FIND THAT YOUR CREDIT RECORDS HAVE BAD PERFORMANCES SUCH AS LATENESS, THEN THE WHITE NOTE AMOUNT MAY BE REDUCED, IN ORDER TO CONTROL RISK. BESIDES, IF YOU'RE ALWAYS AFTER CREDIT, THE SYSTEM MAY THINK YOU DON'T REALLY NEED WHITE BARS, THEN WHITE BARS MAY HAVE TO BE SQUEEZED SO THAT THEY CAN BE USED BY PEOPLE WHO REALLY NEED THEM. MORE IMPORTANTLY, IF, AS A RESULT OF REGULATORY ENHANCEMENTS, THE PLATFORM UPGRADES THE QUALIFICATION REQUIREMENTS OF USERS, THOSE WHO DO NOT HAVE THE REQUIRED QUALIFICATIONS ARE LIKELY TO LOWER THE CREDIT LINES. FINALLY, YOUR CREDIT IS TOO HEAVY. IF YOU HAVE A HIGH RATE OF INDEBTEDNESS, THE WHITE STRIP ALERTS YOU TO RISK, AND YOUR WHITE STRIP LEVELS ARE ADJUSTED. AND, BY THE WAY, I HAVE TO TELL YOU ONE THING -- THE BEIJING WHITE BOOK CAN'T BE REPAID WITH A LETTER. AT THE END OF THE DAY, WESHIN AND THE BEIJING WHITE STRIPES ARE NOT TIED TOGETHER, SO YOU CAN'T REPAY THEM WITH WESHIN. WHITE BARS ONLY SUPPORT SMALL VAULTS, YOUR SAVINGS CARDS, OR OTHER PEOPLE'S SAVINGS CARDS, OTHER LIKE E-CARDS, CREDIT CARDS, TWEETS, PAYMENT TREASURES. OF COURSE, ON YOUR PAYBACK DAY, YOU CAN EITHER PAY YOURSELF, OR THE SYSTEM WILL HELP YOU. AS FOR THE INCONVENIENT PAYMENT, YOU COULD ALSO CONSIDER TRANSFERRING THE MONEY FROM THE THIRD-PARTY PAYMENT ACCOUNT TO YOUR BANK, KARI, WHICH WAS TIED UP IN KYOTO FINANCE, AND THEN RETURNING IT TO THE BANK. I CAN'T, I CAN'T. IN GENERAL, CREDIT IS A BIG DEAL, AND BAD CREDIT CAN BE BROKEN ANYWHERE, AND WE HAVE TO THINK ABOUT HOW TO KEEP OUR PERSONAL CREDIT RECORDS IN OUR NORMAL LIVES。