Previous life of consumer finance

"For me, money is money, and I can buy all kinds of things I want." 3354 Zhang Ailing's "Children's Words Are Unbridled"

Zhang Ailing never hides her money worship. She said that she has never suffered from money, and she doesn't know the disadvantages of money, only the benefits.

When Zhang Ailing 12 got the first payment, she bought a Qidan lipstick. When she heard that Hu Lancheng claimed to protect her financially, she felt very sweet.

Wilde also had some sharp comments on money:

When I was young, I thought money was the most important thing in the world. Now that I am old, I know it's true.

Modern people, regardless of their family circumstances, are as ignorant of the disadvantages of money as Zhang Ailing.

Plastic surgery institutions tell college students who have just stepped into society that spending some money on plastic surgery can change their lives;

The online education platform tells parents that spending some money to make up lessons online can make children overtake in corners;

The leasing company told the tenant that spending some money can be exchanged for stability and concessions.

If the charter company only advises tenants to borrow money in the name of annual payment concessions, then there is no essential difference between this plastic surgery institution that uses customers' mobile phones to operate medical and beauty loans and an online education platform called installment consumer loans.

Draw a pie that can make life better by borrowing money.

I don't know if lending institutions have made young people's lives better, but they have certainly enriched the material life of Internet financial institutions behind the platform.

"(This industry) has a lot of loans."

Although she has left the medical and beauty industry for some time, Zou Yu still remembers that young men and women who come to the hospital for face-to-face consultation are not the most important. The important thing is how to make them interested in more plastic surgery projects.

After watching more news about plastic surgery, salespeople will avoid risks as appropriate. Large projects are generally not recommended, and small projects such as double eyelids are bound to be pushed. This is an industry practice.

Theoretically speaking, whether the plastic surgery project belongs to major surgery depends on the customer's facial condition and actual needs. Take nasal synthesis as an example. Some people only need prostheses, while others need to do tissue osteotomy and correction by themselves. The latter is even a major operation.

Before you get the rebate, the first customer you sell is usually yourself. A relatively good-looking face can convince customers more, so recruitment is one of the relatively fixed channels for plastic surgery institutions to obtain customers.

"Especially when I see that my colleagues around me have done this, how can I resist that idea?" Speaking of which, Zou Yu mumbled a few times.

Look in the mirror, the left nose is too flat, there are too many acne on the right, the face is too wide horizontally, and the vertical eyes are too small. These problems seem to be the biggest stumbling block on the road to promotion and wealth.

So when you think about it, it seems that a loan is equal to a lifetime benefit.

"Seven or eight thousand double eyelids, two or three thousand noses can be loaned, and one can't try the other."

Due to the different strictness of qualification examination of different online lending platforms, plastic surgery institutions generally have multiple alternative apps to help them operate in the whole process. The only thing the customer needs to do is to enter the password.

Zou Yu's impression is that there are more medical and American loan platforms used by everyone.

Money is a credit brand owned by Xiaoman Finance. The main company is Guangzhou Baili Network Technology Co., Ltd. with a registered capital of RMB 654.38+million. In the official caliber of having money to spend, the platform mainly provides users with unsecured and unsecured credit services.

Open Qianhua's homepage, and you will find that the three types of loan projects promoted by the platform are: education, medical beauty and dentistry. The maximum loanable amount of the three types of projects is about 6.5438+0.5 million.

Regular institutions are afraid of medical disputes, and the project can basically be refunded if it is not carried out. But in the specific operation process, this matter has a special technical field.

(Illustration, controversy (dialect): unprincipled argument or irresponsible prevarication)

It is not excluded that some people are more likely to make trouble and defend their rights and interests with a relatively tough attitude. The rest of the people are more in the rights group.

Whenever a large area of thunder breaks out in an industry, WeChat group will assume the responsibility of safeguarding rights and venting.

After learning from th

However, no matter how parents shout in the rights protection group, they will not see the culprit in their mouth.

202 1 At the beginning of New Year's Day, Zhang, the founder of Xuebajun, published a long article in a circle of friends, officially responding to the rumors of bankruptcy. While announcing the closure of one-on-one and excellent classes, Zhang dumped the dilemma faced by Xuebajun in the media.

"It seems to exercise the right of supervision, but it ignores the interests of children and employees. This is a run that harms everyone's interests and is a human blood bun. "

This may be a good example of vocabulary abuse.

In response, Zhang hinted at all the big names in the internet circle, hoping that any one of them could take over the current mess.

Later, online education platforms such as Xuesisi and 5 1Talk took over some employees of Xuebajun, but a large number of students who had no classes still disappeared.

It is widely circulated in the group that parents who have not finished the course can contact customer service and exchange courses on other online education platforms.

At present, there is no news source, and many parents still report that they don't know about the shift change, or parents who already know that the shift change value is too low are unwilling to change shifts.

"Most people with large reserves will not care about small ones and will throw them away." Some parents summarized this. In his view, those parents who have just bought a class and encountered the collapse of the platform are the worst, especially those who have loans.

In the Sichuan sub-group of Xuebajun Rights Protection Group, several parents revealed that they knew nothing about the loan facts during the payment process.

"It's about paying tuition by installments. I don't understand how it ended up as a loan. "

Yi q &；; Ampa is just one of the many online lending platforms that Xuebajun cooperates with. In addition, many parents realize loan services through platforms such as JD.COM Baitiao and Alipay.

As for the situation that parents don't know about installment payment, but actually borrow money, Xuebajun has responded and called it an example.

Looking back at the lending institutions behind these platforms, as well as the complaints and feedback from black cats, there are many lenders involved in the cooperation of Xuebajun. Hebei Happiness Consumer Finance, Haier Consumer Finance, 9 1 Finance, Xiao Heng Wallet and TCL Small Loan Finance are all listed.

Among them, the dispute over the guarantee contract between Hebei Happiness Consumer Finance and Shanghai Qian Wen Wanba Cloud Computing Technology Co., Ltd. (Xueba Mu Jun Company) was first tried in the People's Court of qiaoxi district City, Shijiazhuang City, Hebei Province on March 3 1 (the relevant documents can't be found online). Hebei Happiness Consumer Finance, as the plaintiff in the first instance, said that it had stopped its cooperation with Xuebajun in August 2020.

In the white strip group of Xuebajun Rights Protection Group, a screenshot of a short message sent by a parent po shows that one of the lenders with high frequency is Hebei Happiness Consumer Finance.

According to the public information of the China Banking Regulatory Commission, Hebei Happiness Consumer Finance was established on 20 17 and awarded in September 20 18. The three major shareholders are Zhangjiakou Bank, UCAR and Blue Whale Holdings. After the establishment of the organization, it has successively cooperated with mutual financial enterprises such as Jingdong Finance, Ant Technology, Xiaoman Finance and 360 Finance. The initial time of specific cooperation is unknown.

However, Hebei Happiness Consumer Finance once said through the media that among all the financial institutions cooperated by Xuebajun, the amount of loans provided by individual tuition fees in installments is extremely low.

Financial institutions are in a hurry to clear their relationship, and there is no platform to respond to the handling of user loans.

It is an established fact that debtors are in arrears, and most parents can only look at the short messages of lending institutions and fall into anxiety. People who don't care about this "small money" start looking for the next tutoring institution, and some rights groups have become a new group of another wave of educational institutions.

After all, education is a lifelong career.

In the mainstream impression, young people are the largest group delineated by microfinance products.

20021March 17, the regulatory authorities issued a document, prohibiting small loans and unlicensed institutions from lending to college students, and promoting and diverting college students to lending institutions.

After the supervision issued a document, some college students reported that their spending (white stripes) became lower. In fact, since Guangfa Bank launched the first credit card for college students in China in 2004, relevant policy documents have been issued one after another.

In 20 14, China Payment and Clearing Association organized its member units to formulate a document, which put forward two clear provisions on issuing credit cards to students:

After this regulation came out, the enthusiasm of banks for student credit cards began to decline. In the same year, JD.COM Baitiao and Tmall were launched in stages, and P2P was involved in consumer finance business.

Two years later, negative events such as campus loans and naked strips continued to ferment until the regulatory authorities stopped and encouraged commercial banks to enter.

Later, although regular troops were admitted, most of them were cautious and mainly pilots.

In the mobile era, the rise of several Internet financial institutions represented by Bai Hua once overshadowed the cautious credit card business in the hands of commercial banks.

"Flower bai not sweet? Why should I get a credit card? "

For a considerable number of post-95 s and post-00 s, Alipay is the first and most important channel for them to contact finance. Consumer loans have flowers, cash loans have loans, financial management has special areas, and funds have discounts.

"Fortunately, my mother won't use Alipay, otherwise I have to help her pay." A post-90 s spit like this on social platforms. Taobao launched a family account a few years ago, with the aim of cultivating the consumption habits of people of different ages. It's just that Taobao didn't expect that all this was robbed by Pinduoduo.

Everything is just an illusion. Some studious people have learned a lot from people who sell health products in rural areas in the past 20 years.

Zou Yu recalled some things she had done in plastic surgery institutions before. She remembers that there will be a sales team of middle-aged women doing various medical and aesthetic projects.

"Some people (sales) go to beauty salons in third-and fourth-tier cities to find customers, and feel that aunts are very convincing."

"Is it because aunts are richer?"

"Some people may be like this, but they always borrow money and don't understand the various operations of mobile phones."

Young people who are a little cautious should collect information online and do their homework before doing plastic surgery projects. This ratio will be much smaller for aunts, and people's pursuit of beauty will not weaken with age.

"What if you are not satisfied?"

"As long as it's not too bad, their unified rhetoric is still recovering. After all, aunts are not as resilient as young people, and they can drag on for two or three years, which is beyond the period of rights protection. "

In the absence of sufficient understanding of an industry, people of all ages are actually easy to become the object of consumer loans.

"Many people have no financial common sense. When they have common sense, they are exposed to financial management (funds). " A practitioner said so.

In these investment groups, some people may only write their own names, just like the middle-aged and elderly people who later used smart phones, just send a voice and enter a password. However, these are enough for all kinds of lenders.

In many financial terms, the platform may only want to understand the meaning of the word "investment"-investment must be early, and investment will be rewarded.

On the surface, P2P is different from medical beauty and education loans. In fact, for users, these things are not much different. They are all investments, including the recently infamous bride price loan, second child loan and even cemetery loan.

As long as you invest for a bright future, all industries will have a common feature, that is, return on investment. On this basis, almost all marketing uses the same set of logic, drawing blueprints and keeping silent about risks.

As a consumer platform for financial intermediaries, I thought that as long as I got rid of the identity of creditors or debtors, I could sit back and relax.

I want both the honey of A and the arsenic of B.

It's hard not to think of this idea. In the early days, the online car platform claimed that the driver's behavior could not be monitored, and the takeaway platform claimed that the rider ran a red light only because he was too anxious. Is it because people who apply for cemetery loans want to go to Tomb-Sweeping Day early?

Fortunately, consumer loan products were stopped in time. When social pain points become marketing selling points, institutions guide residents to be over-indebted, which is divorced from the essence of financial services to the real economy.

Those less exotic consumer loan products can germinate at will under social pain points and hot spots.

People who deal with trends and policies can easily take them out of context.

The year before the hottest online education, on 20 19, eleven departments including the Ministry of Education jointly issued the Guiding Opinions on Promoting the Healthy Development of Online Education.

One sentence in the document was widely reprinted by the financial circle: encourage financial institutions to develop financial products that meet the characteristics of online education and use various financing channels to support the development of online education.

In short, it covers almost all the development and financing of online education platform represented by Xuebajun in recent years. It is inevitable that Zhang cried in response to a long article: Xuebajun has not been funded for three years. It really captures the focus of online education development-financing.

However, the most crucial passage in the official document has been selectively ignored by many people.

It was the same document that covered all the minefields on the online education platform later.

In fact, objectively speaking, the combination of online education and finance is not too risky. The use of funds for users' phased education is clear and the risks are relatively controllable.

Some experts in the industry pointed out that the difficulty in risk control of this kind of financial business lies not in borrowers, but in education and training institutions.

Education itself is a career that needs ideals. Xuebajun may have ideals from the beginning, such as scientific and technological ideals. This can be seen from a series of names of Xueba's parent company and affiliated companies, and it is easy to get on the cloud.

20 19 Zhang said in an interview with Sohu Technology that Xuebajun is a refined data-driven organization. The entrepreneurial direction mainly focuses on "massive data changing algorithm results", and the industry covers autonomous driving and medical imaging.

Of course, in the end, Zhang chose the most familiar education industry. It is not easy to live for eight years. While all online education is frantically burning money for marketing, Xuebajun keeps a low profile, which is inseparable from the principle that every penny should be used in the cutting edge, but it also reflects Xuebajun's unfavorable financing situation.

It's just not clear that Xuebajun, who claims to spend money on the cutting edge, has invested in research and development costs, and can it be a veritable cloud computing.

Today, all technology Internet companies want to provide services, but online education is desperately squeezing into financing, probably out of infinite confidence in the value of Yongpai (Hu).

Without institutional financing support, the real financing object of online education is actually the users who buy courses. On the eve of Xuebajun's bankruptcy, he was still engaged in the Double Eleven special activities.

The facts behind it prove that borrowers are really not a risk control difficulty, and ordinary people who are now or will soon bear the pressure of car loans and mortgages are unwilling to have any stains on their credit information.

Perhaps in the eyes of these educational institutions, users with children generally have better credit. Indeed, in order not to be influenced by their own credit information, many people will try their best to repay their loans on time even if they can't attend classes. As for safeguarding rights and recovering money, that is after retaining credit information.

This accurate delineation of good credit groups may win the true biography of Yasuo Takei, the former richest man in Japan.

In Japan in the 1990s, everyone knew Takei Yasuo. As the largest taxpayer in Japan at that time, Masao Takei's family history was closely related to consumer loans and the bursting of Japan's economic bubble. "If you leave a lot of money after you die, people will think he is great." This is what he often says.

In 1960s, Takei Yasuo, a grocery boy, made his first pot of gold by selling rice. A trip to the United States made him feel the developed personal credit business in the United States, and then look at Japan, looking at a completely fertile vegetable field, full of business opportunities.

1966, Takei Yasuo established "Fuji Co., Ltd." (later renamed as Takefuji) in Banqiao area of Tokyo, and its main business was personal microfinance.

On the loan object, Takei Yasuo has his own unique views. He thinks that housewives generally have better credit than men, especially those housewives who always keep their homes in order.

In the 1970s, Wu Fuji fell into a crisis of public opinion and was criticized for letting individuals fall into a personal debt crisis. None of this affected Takei's career until he made the Forbes list in the 1990s.

Takei Yasuo also has an invention that now seems very advanced: consumer loans are unsigned stand-alone machines (commonly known as automatic loan machines).

In that era when there were no smart phones, Takefuji's own loan machines were all over the streets of Japan. The operation process of the automatic loan machine is very simple, just like the current online loan platform: just fill in some simple information and look at the camera.

The simple loan process of all lending institutions is just to let everyone continue to get the impression that money is easy to come by. Young people in Japan, stimulated by Takei Yasuo, have stepped into the tide of unemployment. In order to reduce the proportion of bad debts, consumer loan companies such as Wu Fuji always rely on words such as selling kidneys.

At this point, no one remembers what credit is and just wants to live.

Speaking of Japan's richest man, people may be more familiar with Sun Zhengyi, the founder of Softbank, who also became the richest man in Japan in the 1990s. Only later, people forgot Takei Yasuo. In his later years, he was jailed for a series of eavesdropping scandals and sex trade, and the company declared bankruptcy. Later generations were caught in a long lawsuit with the Japanese government for their inheritance?

Compared with the predecessors such as Takei Yasuo, domestic small loan companies can't completely match due to various realistic conditions. However, if a stream becomes a river, all the bad consequences will eventually be paid by the whole society.

Internet selective amnesia, they forgot the college students who were almost homeless when the long-term rental apartment was struck by lightning.

"Later, Danke apartment had a problem. Have you heard? "

"I must have heard about it, but I don't feel anything now." Before the accident in Danke apartment, I met a small village where the chartered car company ran away. When I talked about these things again, I was numb.

Last August, the capital chain of Chengdu charter company Chaoke Yu Jia broke, and the person in charge disappeared. Many landlords did not receive the rent in time, and only after pairing with tenants did they find that AG's illegal activities such as low rent, long charge and short payment, and rent and loan were blindly expanded.

The kind landlord took the loss in one breath, but more landlords ordered the tenants to move out immediately.

Xiaozhuang lost 6000 yuan in this storm. At that time, there were still about three months before the lease contract expired, which was luckier than those who just rented a house and ran out of the charter company.

"At that time, the landlord said that he was studying law and had to forcibly close the house, saying that this was a dispute between me and the charter company and let me solve it myself, but I also had an entrustment agreement signed by him and the charter company."

Finally, Xiaozhuang and the landlord went to the police station to make adjustments, but the landlord still refused to bear any losses.

"Later, I was too lazy to take care of him, so I spent money on classes and lost a month's salary." Where did the money go? Xiaozhuang doesn't care anymore. In short, it is a waste of water.

"Then you move out early. Where have you moved? "

"Because I was in a hurry, I found an intermediary in a nearby community. The contract was signed with the landlord. "

Xiaozhuang revealed that he may be unlucky and anxious to find a house. Later, the landlord was also a long story, but he never did it again.

"You'll never find a chartering company again, will you?"

"Charter companies will definitely not be the first choice." Xiaozhuang was silent for a while, then said, "But, what happened later?" She didn't speak again.

Long-term rental apartment operators get one-time money for one year, and then use this "rental loan" to buy more houses, thus achieving leverage expansion. If anything goes wrong in any of these links, the lever will be broken.

Today, we still don't know where the money has been spent on the long-term rental apartments we built. In contrast, those long-term rental apartments that choose to cooperate with Internet banks (or other lending institutions) are more traceable.

At the end of last year, after the eggshell rental loan incident broke out, Weizhong Bank, a financial partner, took the lead in speaking out, hoping to help solve the lease dispute, and announced that the tenant's credit information would not be affected at least until March 3 1.

Under the background of many peers, Weizhong Bank made a wave of well-intentioned publicity. But we can't always expect tenants, landlords and financial institutions to take full responsibility.

Many places have successively introduced long-term rental apartment regulations. Take Beijing as an example. Recently, the Beijing Municipal Commission of Housing and Urban-Rural Development directly stipulated that the "rental loan" funds applied by institutional tenants should not be allocated to housing leasing enterprises, but only to individuals.

According to the new regulations in Chengdu, tenants who have paid rent to housing leasing companies for more than three months need to deposit them into supervision accounts. Among them, the funds obtained from the rental loan need to be transferred to the supervision account after the housing leasing enterprise and the lessee reach an agreement with the lending institution.

The brutal expansion mode of long-term rental apartments has temporarily fallen into silence, and the investigation and punishment of prohibiting consumer loans from flowing into the real estate market is also increasing. The supervision aimed at restraining and guiding will continue to be strengthened and refined, but there is no upper limit to people's desires.

Consumer loans have a fixed purpose for borrowers, and most of them have the nature of cash loans after they arrive at the platform. Best of all, the debtor of this debt relationship is not himself.

Looking back on medical loans, education loans and rental loans, in most cases, funds are directly lent to platform accounts without personal hands. A loan was reached before consumption, but the follow-up service was not guaranteed.

Tenants who have a house entrustment agreement have no way to refuse to move when the landlord drives people away; Customers who are dissatisfied with the medical beauty project may not be able to compete with the four hands in the face of a team dedicated to solving so-called medical disputes; Parents of students who have spare numbers in online classes don't know where to go next class.

In theory, as long as the platform is earmarked, the risk will be relatively small. However, consumer loans are specific to different industries and different groups of people, and their appearances are different. Some people illegally absorb deposits, while others illegally withdraw cash. In the early years, POS machines and credit card cashing evolved into flowers and white bars.

Usually, after consumers buy goods with consumer loan products on the e-commerce platform, sellers will receive money before consumers repay (even immediately), which also gives some people a gap in cashing out with consumer loans.

But for some people, the number of flowers and white bars is too small to get much cash. Only after spending the quota, they will turn to cash loan products non-stop, and these products are the same in their eyes, and there is no difference between consumer loans and cash loans.

"Money is a good thing, especially when it passes through your hands."

"Let me borrow it first, and then what are Meituan and Baidu? I forgot that she pushed me several platforms in one breath. "

"I was a little worried about her, but after receiving the dunning call, I don't want to worry anymore."

"Fortunately, I didn't use my ID information." This may be the only lucky place.

People who borrow money may not think about whether they can repay it, and institutions that borrow money may not think about whether they can bear the losses.

They only tasted the benefits of money.

The title map comes from Unsplash and is based on CC0 protocol.

Related Q&A: What is the loan platform for consumer finance? Consumer finance is not a loan platform, but a financial service model that provides consumer loans to consumers at all levels. Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for consumers in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on. Customers can apply for loans at the above-mentioned consumer finance institutions. Generally speaking, as long as they have good personal credit and sufficient repayment ability, they can successfully borrow money. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders. What everyone needs to pay attention to is not to borrow money from unknown small loan companies. After all, without the approval of the CBRC, it is easy to meet loan fraudsters or loan sharks, fall into loan scams, and cause personal money losses. Traditional consumer finance (CF) is a modern financial service model that provides consumer loans to consumers at all levels. Whether from the perspective of financial product innovation or expanding domestic demand, consumer finance pilot has positive significance. Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in time to adapt to the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."