Chinanews client, Beijing, January 3 (Reporter Wu Tao) Order food to lend you money, take a taxi to lend you money, make hair to lend you money, lend you money for online shopping, and even lend you money for pursuing objects. For a period of time, it seems that everyone in the world wants to lend you money-at least it feels like borrowing advertisements.
"In order to obtain a large number of customers, some online platforms use various online consumption scenarios to over-market financial products such as loans or credit card overdrafts to induce excessive consumption." Recently, the China Banking and Insurance Regulatory Commission issued a risk warning, pointing to the "earth-flavored" loan advertisements that have been complained about. Wait for chaos.
Wonderful loan advertisements
On the plane, because his mother was uncomfortable, a man dressed as a migrant worker asked the flight attendant whether he could open the window for ventilation or change the position, but was ridiculed by the people around him.
The flight attendant recommended the man to upgrade the cabin. When he was embarrassed that the money was not enough, a man came forward and told him that he should not make people laugh. He paid the upgrade money and picked up the man’s mobile phone to help him open a loan of 150,000 yuan.
Screenshots of the hotly discussed JD Finance and 360 IOU advertisement videos.
This advertisement of JD Finance has caused a huge controversy. The "vilification of migrant workers" "can help others borrow 150,000 yuan at will. I have reservations about JD Finance's risk control capabilities."
There are a lot of similar loan advertisements, "Going to buy crayfish was ridiculed for being unable to pay, and the stall owner helped the customer to open a loan of 100,000 yuan." "The contractor defaulted on the wages of the workers and ran away without knowing where to go. The workers had nowhere to go. 100,000 yuan loan".
Even some well-known lending platforms will inevitably fall into stereotypes.
In addition to JD Finance, Ant Huabei loan advertisements "Workers lend money to their daughters for birthday", and 360 IOUs "Old man borrows money to pursue flight attendants" have all been criticized by netizens.
And this "monster wind" began to blow into areas such as insurance advertising.
In an advertisement of Wei Medical Insurance, the husband pretended to be still working after losing his job, and actually delivered the food secretly. The daughter-in-law would then wear sexy pajamas and open a room in a high-end hotel to order the takeout. He happened to encounter the husband delivering the takeout, and the husband rushed into the room angrily. , Discovered that his wife was to celebrate the tenth wedding anniversary, and bought him WeChat Medical Insurance Million Medical Insurance.
Netizens said, "The plot of the dog's blood is still so attractive, and it makes my breathing slow down."
Full of routines
These advertisements have twists and turns, ups and downs, and strong visual impact.
Women in sexy pajamas, flight attendants and old men, migrant workers and big bosses... all kinds of dramas are on stage at any time.
Some netizens said, "Since I saw these advertisements, now ordinary advertisements are out of my sight."
Screenshot of part of the loan advertisement.
Moreover, these advertisements for various online consumption scenes are very catchy, such as "I rely on Baitiao to enjoy food", "I rely on Baitiao to wear fashion", "Let the world have no hard to borrow money", and "Your credit value is 200,000". Open your mouth, as if money is falling from the sky, to induce consumption.
The reporter noticed that loan advertisements almost all have one thing in common, that is, the loan amount is described as the same as the balance, for example, "You consume 200 yuan and the remaining amount is 98,800 yuan." "Your phone number is worth 150,000 yuan."
In addition, the advertisement also weakened the pressure of repayment, and the specific repayment figures were vague.
What "daily interest per ten thousand yuan is only 1.9 yuan", "interest per ten thousand yuan is only 2.7 yuan per day" "Interest per day is only 0.05%" Some advertisements do not even tell the specific figures, directly saying, "The daily interest is only the money of a bottle of mineral water" .
However, the repayment interest rate of these loans is actually not low. Taking the daily interest rate of 0.05% as an example, the annualized repayment interest rate is 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
The reporter's investigation found that some lending platforms do not lend themselves but are just porters of lending apps.
Many users report that such platforms are also suspected of inducing users to purchase VIPs.
Image source: Screenshot of Black Cat Complaint Platform
On platforms such as Black Cat Complaint, some netizens reported that on the platforms such as Xiaocheng Optimal, Miaoxiang Borrow, Borrowing Miao, etc., users were induced to purchase VIP services after registration, but after deducting a few hundred yuan of VIP fees, it was difficult to borrow hair.
A reporter from Chinanews.com tried to register for a loan on December 30, 2020. After receiving a text message named "receptionist" on the same day, they added WeChat to each other. Through communication, they learned that this "receptionist" was for recruitment. Financial lending platform services are not a lending platform.
Only registered to borrow Miao, but did not apply for any services, why end up being the "receptionist" of the Merchants Union Financial Lending Platform?
"How did you get my phone number?" the reporter asked.
"Screened by China Merchants Bank system." The other party replied.
But the reporter has never done any business with China Merchants Bank.
Some netizens commented on the app.
Screenshot
China Banking Regulatory Commission: Beware of the pitfalls behind excessive borrowing marketing
The harm caused by excessive borrowing and consumption is obvious. In addition to the huge repayment pressure of the parties involved, some users told the reporter of Chinanews.com that there are friends who are in the quagmire of borrowing, which also affects their lives, because they often receive debt calls. Called friends to inquire about the situation and threatened to be complained together.
The key is that "borrowing money for consumption" has become a habit of many young people.
The "Report on the Debt Status of Young Chinese Consumers" released by Nielsen Market Research at the end of 2019 pointed out that the proportion of young people in China who use credit products is as high as 86.6%.
On multiple social platforms, there is also the "Debt Alliance", which shares the life after borrowing. Many netizens describe: life is better than death, and the social account avatars are all black.
"Consumers must establish a rational consumption concept, use loan products reasonably, choose formal institutions and formal channels to obtain financial services, and be alert to the hidden risks or traps behind excessive lending marketing." The China Banking Regulatory Commission issued a notice on December 29, 2020 to remind consumers.
On December 31, 2020, the heads of relevant departments of the China Banking and Insurance Regulatory Commission once again talked about the problems related to the online microfinance business and said that some Internet platforms have imperfect corporate governance, use data monopolies to seek special benefits, induce excessive borrowing, and excessive financing leverage. problem.
Recently, the China Banking and Insurance Regulatory Commission and the People’s Bank of China publicly issued the "Interim Measures for the Administration of Online Microfinance Business (Draft for Solicitation of Comments)." Perform self-examination and rectification.
"It is forbidden to induce borrowers to over-debt and borrow too much."
Have you ever borrowed and consumed?
Have you encountered a borrowing trap?