【中文版】

花呗是支付宝推出的一款信用支付工具，用户可以通过花呗享受先消费后付款的便利服务。然而，如果用户在使用花呗的过程中出现了违规行为，就可能会被风控系统检测到并采取相应的措施。其中，花呗风控逾期是指用户因为逾期还款等原因触发了支付宝公司的风险控制机制，导致账户被冻结或关闭的情况。

具体来说，花呗的风控系统主要是为了规范用户行为，防止恶意套现、欺诈等行为的发生。如果用户出现了逾期还款、恶意套现、欺诈等行为，花呗的风控系统就会将其账户列入黑名单，并采取相应的措施，以保护公司的资金和信誉。

对于花呗风控逾期的用户来说，他们可能会面临账户被冻结或关闭的情况，无法继续使用花呗进行消费支付。同时，这些用户还可能会被收取高额的滞纳金和利息，影响个人信用记录和芝麻信用分等。

因此，用户在使用花呗的过程中应该注意规范自己的行为，按时还款、避免恶意套现和欺诈等行为的发生。如果用户的账户出现了问题，应该及时联系支付宝公司进行解决，以避免触犯法律风险。

【英文版】

HuaBei is a credit payment tool launched by Alipay that allows users to enjoy the convenience of shopping before paying. However, if users engage in违规行为 during the use of HuaBei, they may be detected by the risk control system and taken corresponding measures. Among them, HuaBei risk control overdue refers to the situation where users trigger the risk control mechanism of Alipay Company due to late payment or other reasons, resulting in account freezing or closure.

Specifically, the risk control system of HuaBei is mainly aimed at regulating user behavior to prevent malicious cash advances, fraud and other acts. If users have late payment, malicious cash advances, fraud and other acts, the risk control system of HuaBei will list their account in the blacklist and take corresponding measures to protect the company's funds and reputation.

For users whose HuaBei accounts are in risk control overdue, they may face the situation of account freezing or closure, and cannot continue to use HuaBei for consumption payment. At the same time, these users may also be charged high fines and interest, affecting personal credit records and SES credit scores.

Therefore, users should be aware of regulating their behavior when using HuaBei, such as paying on time, avoiding malicious cash advances and fraud. If a user's account has problems, they should contact Alipay Company for solutions in a timely manner to avoid violating legal risks.