Lending advertisements can be seen everywhere.

"In order to acquire a large number of customers, some online platforms induce financial products such as excessive consumption, excessive marketing loans or credit card overdrafts through various online consumption scenarios." Recently, China's China Banking and Insurance Regulatory Commission issued a risk warning, pointing to chaos such as "local" loan advertisements.

There are many wonderful advertisements.

On the plane, because my mother was not feeling well, a man dressed as a migrant worker asked the stewardess if she could open the window to ventilate or change her position, which was laughed at by people around her. The stewardess recommended a man for promotion. When he was in trouble and didn't have enough money, a man came up to him and told him that he couldn't make people laugh. He paid the upgrade fee, picked up the man's mobile phone and gave him a loan of 654.38+0.5 million.

Screenshots of advertising videos of Jingdong Finance and 360 borrowing money were hotly debated.

This advertisement of Jingdong Finance has caused great controversy. "Ugly migrant workers" "can help others to lend10.5 million, and I have reservations about the risk control ability of Jingdong Finance".

There are many similar loan advertisements. "Buying crayfish was ridiculed for being unable to pay, and the stall owner helped the customer to open a loan of 65,438+10,000 yuan." "The contractor ran away in arrears with the workers' wages, and the workers were cornered. Passerby A helped the workers to open a loan of 6,543,800 yuan. "

Even some well-known lending platforms will inevitably fall into stereotypes. In addition to JD Finance, the ant flower garden loan advertisement "Migrant workers lend money to their daughters for their birthdays" and the 360 loan bill "Old people borrow money to pursue flight attendants" are also popular among netizens.

And this "evil wind" began to blow to insurance advertising and other fields.

In an advertisement for micro-medical insurance, the husband pretends to be working after losing his job, but in fact he secretly delivers takeout food. After that, the daughter-in-law will wear sexy pajamas to open a room in a high-end hotel and order takeout. I happened to meet my husband delivering goods, and he rushed into the room to make rounds. He found that his daughter-in-law was celebrating the wedding anniversary 10, so he bought him a micro-health insurance with millions of medical insurance. Netizen said: "The story of dog blood is still so attractive that my breathing slows down."

All routine procedures

These advertisements are full of twists and turns, ups and downs, and have a strong visual impact. Women in sexy pajamas, flight attendants and old people, migrant workers and big bosses. All kinds of dramas are staged at any time. Some netizens said: "Since I saw these advertisements, the general advertisements are not in my eyes now."

Screenshot of some loan advertisements.

Moreover, these advertisements for various online consumption scenes have catchy lines, such as "I like white striped food", "I wear white striped fashion", "There is no hard money in the world" and "Your credit value is 200,000", which can induce consumption like money falling from the sky.

In addition, the advertisement also weakened the repayment pressure, and the specific repayment figures were vague. Some advertisements say that "the daily interest rate of 1 10,000 yuan is only 1.9 yuan", "the daily interest rate of 1 10,000 yuan is only 2.7 yuan" and "the daily interest rate is only 0.05%", without even giving specific figures, simply saying that "the daily interest rate is only the money of a bottle of mineral water".

However, these repayment rates are actually not low. Taking the daily interest rate of 0.05% as an example, the annualized repayment rate reaches 18%. Even if the daily interest is a bottle of mineral water, there is a difference between Nongfu Spring and Evian.

Some lending platforms are suspected of defrauding money.

On platforms such as black cat complaints, some netizens reported that users were induced to buy VIP services after registering on platforms such as Xiaoju Optimization, Borrowing and Borrowing. However, after deducting the VIP fee of several hundred yuan, the loan was also delayed.

China Banking Regulatory Commission: Beware of the trap behind excessive lending marketing.

The key point is that "borrowing money for consumption" has become the habit of many young people. According to the Report on Debt Situation of Young Consumers in China released by Nielsen Market Research Company at the end of 20 19, the proportion of young people using credit products in China is as high as 86.6%.

On some social platforms, there is also a "debtor alliance" to share the life after borrowing. Many netizens described: Life is worse than death, and social account avatars are all black backgrounds.

"Consumers should establish a rational consumption concept and use music reasonably.

Recently, the China Banking Regulatory Commission and the People's Bank of China publicly issued the Interim Measures for the Administration of Online Microfinance Business (Draft for Comment). The person in charge of the relevant departments of the China Banking Regulatory Commission said that online microfinance institutions should conduct self-examination and rectification in accordance with the general requirements and spirit of the Measures. "It is forbidden to induce borrowers to be over-indebted and borrow long."

Have you ever borrowed money or spent money? Have you ever encountered a loan trap?

Related questions and answers: If you like to borrow money, how can you withdraw cash? You can bind the bank card and withdraw cash. The loan platform of Lexiang Loan may not be very reliable. This platform is an unreliable fraud platform. When you apply for a loan, you will apply for approval, but after approval, you will be required to pay the membership fee before the loan. This is a regular loan. When you pay the membership fee, you will be asked to pay it again for other reasons. At present, there are many such platforms, and formal lending platforms do not charge fees before lending. Any platform that collects fees for various reasons before the next payment is unreliable. Don't use online loan products that provide credit services when borrowing money. This loan. To some extent, it is difficult for users to apply for such loans through direct application. Generally, it is transferred to a third party through formal online loan products, and this kind of loan is applied through the introduction of a third party. It is for this reason that the normal rights and interests of users cannot be guaranteed. Lexiang installment itself is an online loan product, which is the online loan we often mention. Online lending has certain risks, so you must be careful when lending. Unless you need money especially, try not to lend, because its interest will continue to rise, which will have a serious impact on your normal life. When applying for such online loan products, users need to collect credit information about their real names, and also need to submit their mobile phone numbers and ID numbers. At the same time, the user's personal information has also been leaked. It is recommended to keep personal information carefully and beware of being deceived. Related questions and answers: I owe 46,000 credit cards, enjoy 34,000 loans, and have no money at home. The longest overdue is one month. What should I do? It doesn't matter if you have no money. As long as you have income, you can pay it back slowly! First of all, the thing is, you just overdue, and now the bank won't allow you to pay by installment, which means that all your cards can't be paid by installment. The bank needs you to pay off all your debts at one time, which leads to your current predicament! Then there will be two ways to deal with it: you still have the ability to make money at present, and if all the arrears are repaid in installments, such as 24 installments, you can still accept each installment. Then at this time, it needs to be delayed. After three months, the bank will negotiate repayment by installments, because the bank will not agree to negotiate installments of less than three months. Because banks are unwilling to take such a big risk, they certainly want to earn more interest. So the first method is to wait for 3 months and negotiate with the bank to repay the loan in installments. You don't have any income at present, and there are no helpers at home. At this time, there is really nothing you can do. We can only put it off again and again, and keep the monthly repayment. Then you need to endure the bank's short messages and phone calls, including sending reminders to your door and mailing lawyers' letters. Of course, the bank will sue you in the end. If there is still no money at that time, the bank will choose to enforce it, freeze all financial accounts under your name, including Alipay WeChat Bank, and finally be blacklisted by the court. Then there are various restrictions, such as not taking the high-speed rail and children not attending private schools with high fees. You can't apply to be removed from the blacklist of untrustworthy people until all debts are paid off. I hope I can help you. Come on!