How to play the resurrected cash loan?

In the risk control dimension of traditional financial institutions, CC's credit qualification has very limited opportunities to obtain credit. However, in the era of digital economy, people's behavior is online, financial behavior is digital, and the access mechanism for borrowing money has changed.

According to the risk control dimension of traditional financial institutions, CC cannot enter the "white list" of loan customers:

She has no fixed job, no fixed income and no RV as collateral assets (known as "three noes" in the industry).

However, from June 2065438 to September this year, the capital chain broke and fell into a repayment crisis. It took more than two years in between. CC borrows money through 13 online lending platform and credit cards of seven banks, and the loan is used to pay off debts and repay loans. During the period, I even paid a tuition fee of 20,000 yuan to participate in the "white washing" training course on fast loan financing and credit reporting.

At the same time that CC feels that there are more loans and the threshold seems to be low, domestic personal consumption loans are experiencing an outbreak of scale and accelerating development. By the end of August this year, the balance of personal consumption loans excluding car loans had reached 8 trillion yuan, and the balance of personal credit card loans exceeded 5 trillion yuan, excluding loans from various consumer finance companies and card compensation platforms.

In the era of digital economy, individuals' online behavior, digitalization of financial behavior, full coverage of retail credit business and expansion of users are all possible.

However, with the rise of various intelligent loan-assisting technology products, the entry threshold has been greatly reduced, and even various loan diversion pages frequently popped up on the website have opened the door for borrowers.

"It's not that I don't want to return it. I will pay back if I have money. " A few days ago, CC, caught in the whirlpool of personal loans and heavily in debt, was interviewed by us in a building to be renovated in an inland provincial capital city.

In the last two hours, the interview was interrupted by 16 WeChat voice or telephone, all of which were reminders from loans overdue or customer service. This caused panic in CC.

2065438+On June 23rd, 2006, CC received a leaflet on private lending. After telephone contact, it borrowed 5000 yuan for the first time. A few months later, because doing business requires capital turnover, she tried to borrow hundreds of thousands of times on two online lending platforms.

CC has borrowed from multiple platforms since it first set foot in online lending.

During more than two years from June, 20 16 to September, 20 18, CC tried 13 online lending platforms to stage consumption and cash loan products, and 7 bank credit cards were staged and cashed out. By circulating debts, rob Peter to pay Paul.

Among them, the accumulated principal and interest of 13 online lending platform is 410.5 million yuan, and the highest single amount is private credit company10.93 million yuan. At present, the accumulated unpaid amount is 286,300 yuan; The credit card usage limit of seven banks is 240,500 yuan, and the maximum loan limit of a single card is 5 1.400 yuan, with a total outstanding amount of 85,900 yuan.

Under normal circumstances, the credit card is overdue, and the penalty interest is 0.05% every day, and the late payment fee is charged; The above-mentioned 13 online lending platform will charge 0.05%~0.098% as penalty for overdue daily interest, and some platforms will even charge 30% as penalty for daily interest.

It is not difficult to imagine that with the extension of overdue time, if the arrears cannot be paid off immediately, the outstanding amount of CC will continue to climb.

According to the risk control mode of personal credit of traditional financial institutions, CC is by no means a "white list" customer, because she has no fixed job, no fixed income and even no RV as collateral assets.

What puzzles the CC family is: How can she borrow money from these big platforms?

"The two-day and one-night offline course costs nearly 20,000 yuan, and you can attend classes once for free." The course organizer of CC is a XX business school in Longhua, Shenzhen, industrial and commercial registration, and teaches in Guangzhou, Shenzhen, Chongqing and Chengdu every month. The course content is different, and the fees range from 200 yuan to 19800 yuan/time. After a little analysis, it is not difficult to find that "teaching content" is nothing more than credit financing, quick loan and credit investigation.

CC said XX Business School official website screenshot

Different tuition fees will lead to different teaching contents, but a one-day course in 200 yuan will not involve too many details. The course we got from a lecturer in this business school shows that the contents include: breaking the bank's risk control system, bleaching overdue car loans and credit cards, illegal online lending, how to raise cards quickly, raising money and so on. According to him, the business school has been established for nearly 8 years, and there are less than 10 lecturers. It is held at least four times a month nationwide, with 80, 100 to 300 "students" each time.

Judging from the introduction of previous lectures in business schools, more "students" are individual merchants. A "student" told us, "Once, in an offline class, some students followed the steps taught in the class step by step and got nearly one million loans on the spot."

In the classroom scene, teaching students to operate fast second loans has also become a gimmick for companies to recruit students and raise tuition fees.

In fact, from 20 16, CC felt that at the same time when the loan was more "cut" and the threshold seemed to be lower, domestic personal consumption loans were erupting, and various gray production business chains around it were also developing rapidly.

This so-called grey credit financing under the banner of the so-called "business school" is not an isolated case. We learned from a cash loan insider that several similar institutions are active in Longhua, Shenzhen and Pudong, Shanghai. They not only charge fees in the form of lectures, but also take this opportunity to develop new members, extend to the first level, and promote gray credit or cash-out business online and offline.

The lawyer said, "Once (students in the class) engage in illegal and criminal activities, individuals and organizations specializing in cash-out and gray financing courses may become typical helpers and be convicted and sentenced together."

The introduction of information bombing of loan channels is another incentive for CC to borrow from multiple personal loan platforms.

A business person who specializes in international and domestic short messages and verification codes revealed to us, "Most cash lending platforms and consumer finance companies will cooperate with third parties to determine the content of information, which will be sent by third-party systems or backstage groups; The price of content in the group is different, and it is charged according to the article. A single fee is generally within 0.5 yuan. "

"With the high cost of online customer acquisition, SMS is becoming the choice of more and more platforms. The cost of sending text messages to two online lending platforms in the industry every month is more than 3 million yuan. " The above sources revealed. Even if it is simply calculated by 1 yuan/article, the two platforms send more than 6 million messages every month, and the loan balance of the two platforms is less than 0.33% of the balance of personal consumption loans in the whole society.

"Internet advertisers, advertising operators and publishers are the Internet.

"Troika" of advertising legal relationship. Xiaosa reminded that the online lending platform should be responsible for the authenticity of these advertisements.

"In the traditional risk control mode, pre-lending, lending and post-lending are the most important. The risk control department hopes that the front end will strictly approve the credit, so that the bad debt rate can be controlled. However, the marketing department hopes that the business efficiency will be higher-low cost and large-scale customer acquisition. " Huang, CEO of Shanghai Artificial Intelligence Technology Co., Ltd. said that under the fierce competition, the mode of heavy flow, light wind control and wide casting net is more common. The unbearable mass texting of many people is just the tip of the iceberg of the phenomenon that with the development of technology, various lending and marketing tools have stepped in and used people's private information.

Moreover, various loan recommendation information frequently popped up on the website is equivalent to real-time consumer finance "education" with undifferentiated universal coverage. As a result, more and more people are accustomed to "borrowing money for consumption".

The balance of 20 17 credit cards in many banks increased by more than 20% year-on-year. For example, the credit card loans of Shanghai Pudong Development Bank, Industrial Bank and Ping An Bank all increased by more than 50% year-on-year. In the first half of this year, A-share listed banks disclosed that the amount of credit card transactions exceeded 13 trillion yuan.

We can see that on CC's two mobile phones, there are micro-loans, credit card loans, wing payment (sweet orange installment), micro-music points, comfortable flowers, Zhaolian Finance, JD.COM white bars, ant borrowing, pat loans, etc., all of which belong to domestic head consumer finance or cash loan platforms; Seven credit cards that have been cashed out in installments are from three state-owned banks and four joint-stock banks. There are many loans, ranging from 1000 yuan to several hundred thousand yuan.

In the risk control dimension of traditional financial institutions, CC's credit qualification has very limited access to credit. However, in the era of digital economy, people's behavior is online, financial behavior is digital, and the access mechanism for borrowing money has changed.

"Let go of your mouth first and let more users use it, which is equivalent to lowering the entry threshold, but the amount given is not large. After users have traces of behavior, they will rely on their daily lending behavior, consumption transaction amount and other financial behaviors. Deduct the data model and then decide the loan or installment amount. " A senior industry risk controller described the user screening mechanism of a well-known consumer loan product.

It is not difficult to understand why the longer CC spends on several consumer loan platforms, the more money it borrows, and the greater the amount it gives. "Although the risk control model is constantly being intelligent, upgraded and evolved, it does not rule out that some new ways of raising cards and cashing out are constantly emerging, especially in the environment of' flooding' of consumer credit, users have more choices." The above-mentioned person said.

According to the latest data of the central bank, as of the end of August this year, the scale of short-term consumer loans in the credit balance sheets of financial institutions has exceeded 8 trillion yuan. The residents' short-term consumer loans here are in a narrow sense, that is, the part of the bank's consumer loans to residents after mortgage and car loans.

The Industrial Research Report said, "If we consider the consumption installment and cash loan business carried out by various Internet finance companies, credit cards and card compensation platforms, the data of 8 trillion yuan is still far underestimated."

In terms of growth rate, at the end of 2065,438+02, the bank's short-term consumer loans to residents were only 1.94 trillion yuan, which exceeded 4 trillion yuan in 2065,438+05 and reached 8 trillion yuan at the end of August 2065,438+08, which means that the short-term consumer loans of residents have nearly tripled in less than three years.

Next, I will give you a glimpse of the gray industry of loans, which may be darker and more chaotic than you think.

Mainly concentrated in four parts: identity fraudulent use; Agency application; Loopholes in the franchise loan rules; Using high technology to break through credit review

First, identity fraud

If one day you suddenly receive a court summons, saying that you owe tens of millions of loans and go to court, what is your first reaction? Are you kidding? Because you haven't applied for a loan, let alone owed money. But if your identity is fraudulently used, it is not impossible for this to happen.

So how do these people use their identities to apply for loans?

Generally speaking, applying for a credit loan requires two kinds of information besides the purpose and amount of the loan. One is to prove that "you are you": including name, ID card information and contact information;

The second category is to prove that "you have repayment ability", including bank running water, income certificate, other running water certificates and so on. If you have this information and have not been blacklisted before, then the next payout ratio will be even higher!

So how do you get this information?

The first is personal real name information. On the one hand, this kind of information is obtained from some institutions (such as bank Y, insurance company B and merchant D). ), on the other hand, use online phishing websites or Trojan viruses to collect user information, and then sell it in batches.

These "information traffickers" usually wander in some forums or join online QQ, such as "private detectives" and "information resources". When you say you need information in a forum or group, people usually chat with you privately, thus forming a trading market.

Bank flow can also be done through an intermediary! Because ordinary credit officers can only skillfully identify the flow of their own banks, it is relatively difficult to audit the flow of other banks, and some banks have performance pressure, so as long as there is not much problem with the paper and official seal, the flow can pass.

Of course, the proof of income is easier to handle ~ (it is said that someone used retouching software to modify the online proof of income and passed it ~)

There have been relevant media reports that: real name information: 2 yuan/copy; Bank flow: 300 yuan/copy; Proof of income: 100-300/ copy; Handling a fake ID card: 100 yuan; This can be seen!

Second, the agency application

In fact, the application of intermediary agent is to ask for user information, apply on behalf of it, and then divide it according to the loan amount. For example, ordinary credit card institutions. This kind of black production generally has three types:

1, pure fraud type

This general claim has something to do with the inside. Cheat your "deposit" first and then disappear. Moreover, the liar also has a fixed business place and rents an office in a good location. You give them the information, they will tell you it takes time first, and then they think they have cheated enough and go back to the office overnight.

Because this kind of thing happened to my friend, I can say it in more detail. At that time, the swindler said that he was an internal employee of the bank and could get a large credit card through a special relationship, but he needed to charge a certain handling fee, such as paying a deposit in advance.

My friend was suspicious at first, because the deposit was relatively small, and finally I gave it. A few days later, someone came to do a background check and made it look decent. After some small talk, the background check passed, and then the other party said that credit check was needed, that is, transfer to an account, in order to make the bank's flowing water "good-looking", before applying for a large credit card. Let my friend transfer 5000, my "simple" friend thought about it and finally transferred it ~

Note that at this time, if the other party is a liar, he should leave after getting the money, but this liar is even worse. He transferred the money back to my friend. At this time, friends believe that the other party is really "reliable", and then the other party says that it will transfer 30,000 yuan. Of course, friends keep turning, and then, and then it's gone.

2. Information type deception

They will collect your ID card, work certificate and other personal information, and then go to the bank you have no choice, but leave your address and phone number. When the card is approved, the credit limit of the card is brushed up, and then it goes up in smoke. Or collect a lot of personal information and sell it to a third party.

3. Black intermediary type

Although they don't cheat your information, they can forge some information to help applicants who don't meet the standards pass the examination and profit from it.

PS: If the card is approved, it may work normally for a while, but as long as the bank finds problems during the review, you can stop the card at any time on the grounds of providing false information. Once it happens, this bad record will lead to no credit card, mortgage or car loan from any bank for at least 5 years.

PS: So it is very difficult to handle large credit cards online. This business is about maturity, not rudeness. If you don't have acquaintances to help you, it's best not to believe all kinds of rhetoric of online intermediaries easily ~

Third, apply for a loan by studying the loopholes in the loan rules.

I don't know if people often apply for small loans and are rejected! But I won't tell you the specific reasons for refusing, just saying that I don't meet the requirements, in fact, it is to prevent this group of people.

These people are active in various loan forums, QQ groups and post bars every day, asking which new small loan companies are online and which small loan companies have problems with their systems. Once they find the right target, they will flock to them. If the other party does not clearly give the rules, it will use various threats to put pressure on small loan companies, saying that their information is opaque and their operation is not standardized.

So ladies and gentlemen, if one day you need money urgently to apply for a small loan, but the loan company does not provide specific reasons, it is not irregular, but these loan companies should guard against those who specialize in drilling loopholes.

Fourth, using high-tech tools to break through the credit review.

The last one is more advanced.

These people studied QQ accounts in their early years, and Taobao brushed them. A few years ago, they studied the rules of P2P red envelopes, and recently began to study the loan platform.

They first collect a lot of user information, and then develop corresponding software according to the loopholes in the loan system, break through the credit review, register in batches, and apply for loans in batches!

Why do many small loan companies advertise pure online loans, which can be quickly reviewed in a few minutes and arrive on the same day? In practice, will you still use the phone or borrow money in a few days? Why do some people apply for tens of thousands of dollars, but only a few thousand or even hundreds are actually approved?

In fact, to some extent, it is to prevent this group of people!

Having said that, in fact, the biggest problem that ordinary people encounter is being "loaned" because information is stolen. Therefore, we must find someone we can trust. If we are really worried, let's not make that little money. Sometimes personal information is more valuable than anything else.

So today's society can be summarized in one sentence: it is indispensable to prevent people! No harm to others!

In the era of cash loans, everyone wants a piece of the action.

This industrial chain is huge and dense, and hundreds of thousands of people participate in it, each with a clear division of labor, and each obtains its own interests in this industrial chain.

Finally, I want to send you a word:

Come out and hang out, you have to pay it back sooner or later!

Chongqing morning post's bloodthirsty cash loan takes you to the abyss: you borrow 1 10,000, and finally you have to pay back 400,000! 》

Welcome friends to private letter group number, together with the model.

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