360 loan off the shelf. What's the use of collecting customer privacy information? Prepare a fancy collection?

On July 8, the 360 loan APP was removed from the major online app stores, and new users could not download it. The platform enterprise explained: "360 IOUs can still provide normal services, which is gradually and iteratively upgraded based on related needs and user experience optimization of various functions of App." But what is the real reason?

Subsequently, the truth gradually surfaced. On May 10, the National Network Information Office reported that 84 secure and peer-to-peer lending apps, including 360 IOUs, illegally collected and used personal information. According to the regulations of the Network Information Office, the relevant APP operating enterprises should complete the rectification within 15 working days from the date of announcement, and report the rectification contents to the National Network Information Office, and will be disposed of according to law after the deadline. Now look at the 360 loans that have been disposed of without rectification.

360 Company explained again, "Due to the negligence of our staff, we missed a certain link of rectification within the specified time and were asked to remove it from some application stores. We have submitted a new rectification plan and stepped up rectification, so we apologize for the bad experience. " You look confident and think you can put it on the shelves?

But as of now, 360 IOUs still haven't waited until the day when they were put on the shelves. Just recently, another major blow came. The Ministry of Industry and Information Technology officially launched a special rectification campaign for half a year, focusing on rectifying behaviors that threaten data security and infringe on users' rights and interests. Didn't 360 IOUs make such a mistake? And many warnings have not been corrected. It seems that it will be a long time before the APP is put back on the shelves.

360 IOUs are the core business of 360 Company. 360 Company is listed on the new york Stock Exchange under the name of QFIN.US. At the beginning, 360' s mission was to provide customers with safe internet access services and protect their privacy, but now it has violated their personal privacy for a long time, which is also a great irony.

I remember Zhou Hongwei, the boss of 360, said that he still had great doubts in his heart: Why are all Internet companies in China financing now? Why can't we each do something interesting? But now 360 IOUs are doing what he says is boring. Matching loans and collecting loan spreads have become the core productivity of Internet high-tech companies. This is rather sad, instead of looking up at the starry sky and the sea, I always want to learn from ordinary people, bonus hunter.

Now the regulatory authorities are strictly controlling, and the interest rate of 360 IOUs has decreased, but the average daily interest rate is still between 14000- 15000, which is still very high in terms of annualized interest rate. However, at 20 18 and 2019,360, the annualized interest rate is 35.99%, which is only a fraction of the interest rate of usury. On April 29th this year, 13 Internet financial platforms, including 360 IOUs, were interviewed by the central bank and other financial regulatory authorities. Has it changed?

360 borrowings are also suspected of false marketing. Used to advertise a lot. During the period, it was said that borrowing 1000 was only 50 cents a day, and the borrower felt that it was very small. In fact, the annualized interest rate is above 18%. The platform has charged other extra fees. After the loan process is completed, what if the borrower finds that the interest rate is high and does not want to repay in advance? Additional fees and residual fees are not refundable.

Not to mention the alleged illegal collection of personal privacy information of customers and the illegal collection that has been criticized. Among them, on the black cat complaint platform, the number of complaints about 360 IOUs reached 1.78 million, and the main problem involved was illegal collection of personal information, which was suspected of violent collection.

What was criticized by the Internet Office this time was that 360 borrowed money to illegally collect users' personal privacy information. So what main information has he collected and what can he do about it?

1. All kinds of real-name authentication information and financial information of borrowers, such as four elements of real-name authentication information, are understandable in this respect, and are applicable to risk control review, loan process, etc. , business operation cannot be completed without collection.

2. The borrower must grant the microphone permission, which is illegal. 360 loan is not a communication APP. What do you need microphone permission for? The granting of this right means that the company can monitor users in the background, monitor telephone calls and video chats, and make records.

3. If the borrower wants to allow the APP to access the mobile phone address book and short messages, then 360 IOUs can get all the mobile phone numbers and short messages saved by the borrower.

4. The 4.app also obtains the photo access right of the user's mobile phone, and you can access all photos and videos in the user's mobile phone at any time in the background; It is even required to allow recording access to photos that have been modified or deleted, so even if users delete photos, companies can still restore photos in the background to view them.

As can be seen from the information collected above, most of them are users' private information. But is this private information related to loan application and repayment? In fact, there is no connection, and the correlation between the two is very weak. So how do they process information?

The collection of 360 borrowings has been criticized in the online lending rivers and lakes. Before the country cracked down on violent collection, the collection method of 360 IOUs was really unbearable, and various strange tricks emerged one after another, making it difficult for borrowers with overdue debts to escape harassment and intimidation. Let's take a look at some online posts in the past two years.

After the state cracked down on violent collection, it has now been restrained, but various harassment and collection methods are still emerging one after another, which is really hard for overdue borrowers. So how do they formulate targeted collection strategies for borrowers? In fact, it is from these private information.

For example, if you see that the borrower has parents and relatives, they can scare the borrower with words and make the borrower lose face. They know the home address of the borrower and can send some so-called lawyer letters. They know the borrower's company information, so they can inform their colleagues and reduce the borrower's credit reputation. Of course, there are other means, such as using a third party to collect the company or some untraceable text messages or phone calls.

Now we can see that the core purpose of collecting customers' in-depth private information is to prepare for collection. That is to say, if customers fail to repay on time, in order to urge customers to repay, these private information will come in handy. He can help 360 IOUs find the borrower's relatives and friends, work information, friends circle and even all social contacts for effective collection in the future.

Do you dare to borrow online loans? Pointing can indeed borrow money, and the efficiency is quite high, but who knows, the price paid is the loss of personal privacy information and the high interest that needs to be borne. Of course, if the repayment is overdue, you and your family and friends may be harassed.

I hope these Internet companies can abide by the rules and don't harm social equity and public interests for their own selfish interests. # The Ministry of Industry and Information Technology launched a special rectification campaign for the Internet industry #