Online grocery shopping "is being loaned," the business’s abacus cannot be so loud
Recently, some users complained that they were owed more than 100 yuan by Meituan Waimai and Meituan Maidai without their knowledge.
Many netizens said that they have had similar experiences.
The reporter learned that "Meituan Monthly Payment" is a credit payment service, overdue will be reflected in the personal credit investigation.
At present, the person concerned has stated that the incident has been processed and the loan fee has been waived, but the mood is still very complicated.
(See "Beijing Youth Daily" on January 11)
Buying food, ordering a car, and riding a bicycle through online platforms are uncommon life scenes in the Internet age. Who would have expected a loan without knowing it. Overdue will not only have to pay a penalty interest, but also affect personal levy. letter?
The platform involved did not clearly inform users of the relevant credit payment service rules, and it was suspected of inducement in actual operation, causing users to mistakenly believe that it was just an ordinary monthly settlement mode, so that they could easily be opened for loan services. This operation made many people concern.
At present, all major Internet platforms have achieved diversified development, strive to compete for user resources, meet user needs as much as possible, and enhance user stickiness through one-stop services, thereby maximizing benefits.
Consumer loan financial services launched by some platforms are also launched around this goal-encouraging users to develop the habit of borrowing money to consume, leaving more consumption amounts on the platform, and helping the platform to continue to grow.
This model of users spending first and paying back later is essentially a user borrowing money from the platform for consumption. If the details are open and transparent, and users’ informed consent, this is undoubtedly a win-win model-the platform is profitable, and at the same time A relatively stable user base can be obtained, and users can use borrowing and consumption to alleviate the "emergency" or use platform preferential rules to obtain subsidies.
However, consumer loans undoubtedly have certain risks. If users are unable to repay, it will easily lead to an increase in the bad debt rate and result in losses on the platform.
Moreover, consumer credit is a model of consumption first and repayment later, which feels very good when used. However, if consumers have weak self-control, they are prone to irrational consumption, blindly borrowing money for consumption, and ultimately resulting in excessive debt and unable to afford it. Carry a record of dishonesty.
In fact, in order to avoid the risk of a high rate of bad debts, the platform has adopted a limited loan model, and the amount given to users is generally within a few hundred to several thousand yuan.
However, some users will spend on multiple platforms at the same time. The credit lines of each platform are superimposed to become a high limit. Once the income is exceeded, defaults may occur. In this way, not only the users will be crushed, but the platform itself will also suffer losses. .
In recent years, the platform credit debts borne by Internet users have rapidly accumulated, and the risk of default is gradually increasing. It is not uncommon for users to be unable to repay their debts. Some have even become "card slaves" in the Internet era, which has also triggered a lot of society. The problem has buried huge financial security risks.
Recently, the China Banking and Insurance Regulatory Commission issued on its official website the "Reminder on the Risks of Beware of Online Platforms Inducing Excessive Lending", reminding consumers to establish a rational consumption outlook and be alert to the hidden risks or traps behind excessive lending marketing.
Regarding the practice of platforms sparing no effort to develop credit payment business and using various means to induce users to open loans, the regulatory authorities must be highly vigilant, stand in the position of preventing financial risks, strictly follow the financial market management rules, and regulate related businesses on each platform. Compliant marketing promotion and induction services, supervise the platform to provide transparent and legal consumer loan services, ensure financial security, and help users keep the bottom line of rights and interests.
Internet platforms and enterprises are not a place outside the law, and those who act wantonly should pay the price.
Jiang Debin
Jiang Debin