202 1 micro-loan disgusting reminder to send a message to friends and relatives. If I delete my friend, can I still receive the message?

Specifically, among the 3,822 complaints against Weizhong Bank, 89.56% were against the bank's pillar product "micro-loan", and the number of complaints was 3,423. Complaints mainly focus on the explosion of address books, calling family and company, threatening text messages, false promises, and "violent" collection.

It is reported that "micro-loan" is the pillar product of Weizhong Bank, which was launched on mobile QQ in May 2065438+2005 and on WeChat in September. Compared with traditional financial products, unlike users who need to take the initiative to apply to banks, micro-loans adopt the invitation system. The data shows that by the end of 20 19 and 1 0/,the number of pre-credit users of "micro-loan" exceeded1billion, and the accumulated loan amount reached one trillion yuan.

1. Since the pilot of private banks was launched in March 20 14, up to now, there are 19 private banks in China, among which Shenzhen Qianhai Weizhong Bank has the most outstanding development. With an asset scale of 220.037 billion yuan, it successfully ranked among the national 100 banks in 20 19, ranking 99th. China Net Finance reporter noted that with the rapid development, the number of complaints against Weizhong Bank is also rising.

2. The complaint collection platform shows that from 20 17 to 12 in March 2020, the number of complaints against Weizhong Bank has reached 3,822, ranking 12 in the banking field, ranking first among private banks, while the complaint resolution rate is only 24.54%, which is not only lower than the banking industry's 20/kloc-.

3. China Net Finance reporter noticed that among the numerous "micro-loan" complaints on the complaint gathering platform, many complaints initiated by 20 18 still showed the status of "being processed". Among them, Mr. Jin initiated a complaint on June 7, 20 18, pointing out that Mr. Jin's previous installment loan of more than 30,000 yuan on the micro-loan platform was overdue due to poor capital turnover. After the telephone negotiation failed, the micro-loan entrusted a third party to send a text message to threaten to call for payment, revealing the violent tendency of the underworld. Mr. Jin believed that it had threatened his life safety.

4. It is worth mentioning that since February, there have been more and more complaints about "small loans" being collected by violence regardless of the epidemic situation. According to several complainants, the application for deferred repayment to the "micro-loan" platform was rejected because of the epidemic or loss of income.

In fact, in addition to the high number of complaints, Weizhong Bank itself has many loan disputes. An eagle-eyed survey shows that the bank only sued others or companies for financial loan contract disputes, with 487 legal proceedings, 566 court announcements, 690 pieces of surrounding risk information and 9 pieces of equity pledge information, all of which showed "valid".

6. China Net Finance reporter sent an interview outline to Weizhong Bank on the above situation. In response to a number of loan disputes, Weizhong Bank said that as a legally established private Internet bank, its shareholders performed their duties in compliance with the law, and * * * promoted Weizhong Bank to establish itself in inclusive finance. On the one hand, in the case of a large number of customers and a low average amount, the quality of the bank's assets has remained excellent, realizing the sustainable development of its business and services; On the other hand, the huge customer base and the relatively high default risk of small and micro customers will definitely accumulate some overdue customers. In addition, the online loan model will encounter some new problems that traditional offline banks have never encountered, such as fraud such as wool party, hackers and intermediaries. For this small number of customers who default or cheat, Weizhong Bank will also choose to take the initiative to resort to the law if the collection is ineffective.

7. Regarding the problem that the complaint collection platform has a high number of complaints and the resolution rate is lower than the average level, the bank responded that, first of all, it is difficult to solve because some complaint users can't contact. There is a big error in the information provided by the user complaint platform, which makes it impossible for some users to verify their identities, and thus to verify the contents of complaints; Secondly, among the users whose identities have been confirmed, the number of users who can't be contacted by the bank's active phone or institution for more than three consecutive working days is very large, resulting in a low effective reach rate of users. In terms of complaint demand, the bank has verified the complaints that users have access to one by one, and made reasonable consultation on users' consultation demand to the maximum extent. But unfortunately, there are still some users whose demands have not been met, which leads to the failure of communication and negotiation.

8. In view of the fact that Weizhong Bank reported that it could not contact the complaining users, China Net Finance reporter interviewed relevant employees of Jucomplaint platform. The employee said that the complainant could not be contacted for many times to verify the complaint information, and the complained merchant could report the invalid application to the platform.

9. In addition, in response to the "violent" collection behavior reflected by the complainant, Weizhong Bank only said: We will continue to optimize the content of user complaints, continuously strengthen the standardization of collection behavior, and provide special services according to the actual situation of overdue users to avoid complaints from the source. "