Observation

1.5 yuan was "loaned" to buy a dish? This is a problem that many consumers have encountered recently.

Recently, according to Beijing Youth Daily, the netizen "onion girl does subtraction" said that she received a short message a few days ago, prompting that there was a loan record and attached a link. "I thought of being cheated for the first time and quickly called the customer service. The customer service couldn't answer it on the spot. Let me upload a short message according to the link, and call me when they find it. It turned out to be a loan. "

The netizen said that in July last year, without knowing it, Meituan take-out and Meituan grocery store opened financial services for themselves, with a loan of more than RMB 100 and a monthly quota of 300 yuan. In the meantime, she said that she did not apply, did not have real-name authentication, and did not bind a bank card, but she successfully opened this loan-like service.

What "onion girl who does subtraction" has "opened" is a service called "Mei Tuan Yue Gong". On the payment page of Meituan App, Meituan Monthly Payment is listed as one of the payment methods together with WeChat Payment and Apple Pay.

However, according to Meituan's monthly credit payment contract, "Meituan Monthly Payment" is actually a credit payment service: users can use the loan funds obtained from this service to purchase designated goods or services.

According to the contract, "Meituan Monthly Payment" is a credit payment service provided by Chongqing Meituan Sankuai Microfinance Co., Ltd. and financial institutions cooperating with Meituan Microfinance for registered users of Meituan.

Therefore, the opening and use of "Mei Tuan Monthly Payment" has become the origin of users being "loaned".

A netizen said that when using Meituan take-out, WeChat payment has always been the default in the past, and suddenly the default use of Meituan monthly payment has become a preference.

Another netizen wrote: 108 The meal coupons bought at night were also secretly opened. I didn't know it was opened until SMS reminded Meituan to deduct the monthly fee 108. The page doesn't show the opening of the monthly supply of the US Mission at all. I asked the customer service. The customer service said that it was extremely fast payment, and the default was the monthly payment of the US Mission. Second, when Meituan guides users to use "Meituan Monthly Payment", does it clearly inform users that this is a financial service involving "loans"?

Although it is the first time to use Meituan Monthly Payment Club to remind users to check the credit payment contract of Meituan Monthly Payment, we can see that many netizens in Weibo reported that they didn't know that they had used Meituan Monthly Payment until they received overdue SMS and phone reminders. Is this because there are not enough users? Or does the platform need a clearer reminder?

According to public information, the monthly payment of the US Mission was officially launched on May 29, 2020. According to the information that Meituan pays to Weibo every month, Meituan defines this product as a "credit payment product", with the longest interest-free period of 38 days, and how much money is saved by using more. 18 years old, real-name authentication will have the opportunity to open.

Meituan customer service said that the opening and normal use of monthly payment will not query or affect users' personal credit information. After the monthly payment of Meituan is overdue, there will be SMS and smart voice phone to remind you accordingly.

According to Meituan's customer service, Meituan's monthly payment will pay the bill of the previous natural month on 1 day, and the 8 th of each month is the repayment date. By adopting the mode of "buy this month, pay next month", the monthly payment of Meituan is also known as the "flower garden" of Meituan version.

In the former case, many Internet giants followed suit and launched their own payment products, which quickly expanded the scene of "buy first and pay later": buying food, taking a taxi, riding a bicycle and ordering takeout ... JD.COM has JD.COM white bars, Meituan has monthly payments, Didi has monthly payments, Ctrip has flowers, and Tencent has also tried "pay separately" credit payment products.

On June 2, 2020, 165438+ China Banking Regulatory Commission of China People's Bank and China issued the Interim Measures for the Management of Online Microfinance Business (Draft for Comment). Guo Wuping, director of the Consumer Rights Protection Bureau of China Banking Regulatory Commission, wrote an article that day, pointing out that compared with licensed financial institutions, financial technology companies rely more on behavioral data such as shopping, trading and logistics, and more on borrowers' consumption and repayment willingness, and lack of effective evaluation of repayment ability, which often leads to excessive credit granting, stimulating consumption in advance and scenario-induced * * *, which makes some low-income people and young people fall into debt traps, ultimately damaging consumers' rights and interests, and even bringing harm to families and society.

Proofreading: Xu Yijia