Micro-loan is suspected of illegally collecting text messages.

Recently, Weizhong Bank was exposed for violent collection. The third party called the debtor's company to collect the company's phone harassment, SMS bombing and information threats, which led to the debtor's shutdown, and the two sides failed to negotiate. Behind violent collection is irregular management and imperfect system.

First, the rise of microfinance.

20 14 12. Weizhong bank, the first internet bank in China, was approved to open. Weizhong Bank, also known as micro-loan, launched QQ in May 20 15, and then launched WeChat in September. It is a small loan product for QQ users and WeChat users. With the development of society, the network has gradually developed, and loans have gradually emerged. People find that loans can solve urgent needs, and it is also very convenient: they can borrow freely, the process is simple and fast, and they can buy whatever they want immediately. This experience of consumption in advance makes people more and more addicted, so microfinance began to rise.

Two: Micro-loans are suspected of violent collection

Recently, many netizens complained about the violent collection of Weizhong Bank, which seriously affected their lives. Before, a netizen borrowed a small loan of about120 thousand, but because of the investment failure, there was no profit. On the contrary, he can't even pay back the loan he borrowed. In addition, he has to take care of the old and young at home, and his meager salary can't afford it. He is already heavily in debt. During this period, the netizen has been communicating with the customer service, but the two sides failed to negotiate, and then the third party collection company began telephone harassment, information intimidation and SMS bombing. Another netizen said that he paid back the micro-loan on time every month, but he didn't pay it back in time because of work changes. Therefore, the company that was collected repeatedly called his company for collection, which led to his suspension from the company.

Three: What is behind the violent collection?

In recent years, the rise of microfinance is obvious to the naked eye. More and more people choose to borrow money, from borrowing money to buying houses and investing to buying clothes and bags. The convenience of borrowing makes everyone more addicted. Violent collection reflects the imperfection of enterprise management, and there are also problems in communicating with cooperative third-party collection companies. Violent collection can't solve the problem, and even aggravate the seriousness of the matter. Finally, I would like to remind you that if you need to borrow it, you must borrow it reasonably and moderately, depending on your ability, and remember to return it in time to avoid unnecessary trouble.