What are the 7 14 anti-aircraft guns exposed on 3 15?

It is understood that "7 14 anti-aircraft gun" refers to those high-interest online loans with a term of 7 days or 14 days, including high "decapitation interest" and "overdue fee". Basically, 90% of anti-aircraft guns have a duration of 7 days, and the annualized interest rate basically exceeds 1500%.

"don't take credit, ignore the black households." Behind the seemingly convenient and fast is the abnormally high interest rate, and this kind of loan is mainly aimed at young people whose spending power exceeds their income level. After borrowing money for a period of time, troubles such as violent collection immediately come to the door, and many people even go bankrupt and live in fear all day.

"Can't afford the money? Go to hell! "

Mr. Liu, who lives in Shanghai, recently revealed to Zhongxin Jingwei that because some online lending platforms defaulted on short-term loans, he repeatedly received threats such as death threats from staff of debt collection companies. "If there is a direct death threat, let me go to jail, come to the office to hit me, call the police, and there are various ways."

At that time, Mr. Liu borrowed "7 14 anti-aircraft guns" from seven or eight platforms, with short term and extremely high interest. After a loan was not paid off, Mr. Liu received various threats from debt collection companies.

Screenshot of SMS provided by Teacher Liu to Zhongxin Jingwei.

Xue Hongyan, director and senior researcher of Internet Finance Center of Suning Financial Research Institute, pointed out that data volume is the core competitiveness of credit information system. In the market competition, obtaining as much data as possible has become the biggest motivation of credit reporting agencies, which has led to a series of data chaos such as over-collection, illegal collection, illegal trading and data abuse. Users become "transparent people" in the virtual world, such as violent collection, telecom fraud, harassing calls, etc. Repeatedly banned.

"7 14 anti-aircraft gun" accompanied by "routine loan" scam

According to Zhongxin Jingwei, many users who borrowed "7 14 anti-aircraft guns" finally fell into the trap of "routing loans". After "lending", the loan snowballed and even went bankrupt, which led to an irreparable tragedy.

"Li Xiaoyu asked me if I had a house then, and I told him I did. He also asked me which neighborhood the house was in, what apartment type, how big the area was, how high the floor was and how long the house was. I told him one by one. " Looking back now, Mr. Zhang thinks that the "trap" was laid from this time. At first, Li Xiaoyu's goal was his property, but he didn't know it at that time.

The experience of the first loan was relatively smooth, which also made Mr. Zhang trust him very much. Later, when Mr. Zhang tried to borrow a second sum of money, he was in trouble. This time, the small loan company is unwilling to lend money to Mr. Zhang.

But a few days later, I found Mr. Zhang again and said that one of them could get a loan, but told Mr. Zhang to "get a real estate license."

The second small loan company (hereinafter referred to as B small loan company) looked at Mr. Zhang's real estate license, and after on-the-spot inspection, gave Mr. Zhang a bank card of 30 1 1,000 yuan. However, after the money arrived, the two big men sent by the small loan company immediately asked Mr. Zhang to go to the bank counter to get them 6.5438+0.6 million.

Teacher Zhang told Zhongxin Jingwei that although most of the deposit was paid, the loan was still calculated according to the principal of 30 1 000 yuan, and it needed to pay back 25,000 yuan per month, 12 months.

At first glance, it seems to be an interest-free loan, but after deducting the deposit and handling fee, the actual annualized interest rate has exceeded 130%.

However, this is not the end of its nightmare. When he forgot to repay the loan, the two small loan companies jointly designed a trap, threatening each other step by step, and finally mortgaged Mr. Zhang's house, owing nearly one million loans.

"I have been worried that they will hurt my family. Because of my cowardice, the house is mortgaged now, and the debt has rolled into more than 654.38+0 million, and I have almost no evidence at hand. My wife and I divorced? I live in fear every day. " Teacher Zhang said.

What other platforms are involved?

At this year's 3 15 party, the "7 14 anti-aircraft gun" platforms named by CCTV include: Kuai Yi Loan, Kuai Loan Bao, Little Sheep, Hua, Jimi, Shanlu, Qian Furen, Golden Cicada Wallet, Fosun Bao, Meow Loan, Zero Time Difference Pocket, Cosmic White Card, Carrier Pigeon Wallet and Golden Gourd.

Zhongxin Jingwei noticed that, in fact, "7 14 anti-aircraft gun" has also become the hardest hit area for complaints from complaint platforms such as gathering complaints. In addition to the above-mentioned platforms exposed by CCTV, platforms such as Easy Seconds Loan, Fast Seconds Arrival, King Crab, Second Purchase, Where to Loan, Accompanying Flowers, Quick Loan, Qi Le Cash Loan, Dayunfei Loan, Kuaimi Wallet, Huihuahua, Moonflower, Digital Wallet, Installment Repayment, and Yitong Wanka have also been complained by users that there are "7 14 anti-aircraft guns" loans.

The main appeal of many users is that the platform immediately stops harassment and violent collection, repays at a reasonable loan interest rate, and hopes that the regulatory authorities will strengthen supervision.

Suggestion: Multi-departments should work together to solve the cash loan problem.

Dong Yizhi, a lawyer of Beijing Yida (Shanghai) Law Firm, said that the cash lending platform has actually experienced various variants in recent years. The platform uses various ways to evade supervision and seek arbitrage space after evading supervision. Now it involves a very deep-seated problem, not only the problem of internet finance, but also the problem of infringing citizens' personal information, even personal rights and civil rights. The harm to society is far greater than that of ordinary products, and it also has a negative impact on the stability of the whole social group.

Dong Yizhi suggested that the problem of cash loans was not only exposed by the Party, but also by the financial supervision department. It needs the joint efforts of many departments. At the same time, this abnormal consumption concept has a negative impact on the growth of the whole youth, which requires stricter supervision by various ministries and commissions of the country.

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