Lottery gift loans and cemetery loans followed one after another, triggering collective complaints from netizens
Wonderful consumer loans, name-style financial innovation?
The controversy caused by the lottery gift loan is not over yet, the cemetery loan is here again!
In recent years, various banks have launched a wide range of consumer loan products relying on continuously subdivided scenes and professions.
Some of these titles are ridiculous.
Why do banks launch these strange-sounding consumer loan products?
Is it financial innovation or a marketing gimmick?
A reporter from the Workers’ Daily conducted an interview.
Lottery Loan was Tucao
Recently, a poster of Jiujiang Bank Lottery Gift Loan has been circulated on the Internet.
The content of the poster shows that the maximum loan amount of this lottery gift loan is 300,000 yuan, the longest loan is 1 year, and the annual interest rate is as low as 4.9%.
The loan is limited to wedding trips, purchase of vehicles, jewelry and home appliances.
It specifically indicates that the couple must be a formal employee of an administrative institution.
Choi Gift Loan has caught up with the much criticized hot spot of "Baby Gift", which has caused a collective complaint from netizens.
Some people say that the lottery gift loan seems to solve the problem of personal "unable to get married", but it actually provokes the pain points of society.
To make an ordinary family worse, encourage high beauties in disguise.
There are also people who say bluntly that in order to make money, banks can blatantly publicize or launch products that harm the public interest and challenge the principles of public order and good customs without talking about the bottom line.
Hao Xudong, a partner and lawyer of Beijing Xingzhu Law Firm, believes that if the loan couple divorce or fail to get married, who will pay the gift loan?
This may cause a lot of disputes and increase the burden of litigation.
The reporter called the customer service of Jiujiang Bank on March 18, and the other party told the loan specialist that he could only consult the loan specialist, but no one answered the phone number provided by the customer service after repeated calls.
Prior to this, the customer service staff of Jiujiang Bank said in a media consultation that the bank did not launch a lottery loan product, nor did it plan to go online in the future. The poster was just a publicity by the publicity department.
The lottery gift loan is actually a personal consumption loan "pocket money" launched by the bank, and the loan can be used as a gift gift.
A wide range of consumer loan products
Cailidai is not the first consumer loan product related to the marriage scene.
Before this, some banks had introduced wedding loans and wedding loans.
Among them, a bank's wedding loan stipulates that all newlyweds who spend more than 20,000 yuan in the designated wedding company of the bank can obtain a loan from the bank.
Just as the lottery gift loan caused controversy, the cemetery loan came into people's field of vision.
Yunnan local media reported that Kunming Jinlong Ruyi Garden and Yunnan Xishan Beiyin Village Bank recently launched a "cemetery mortgage loan" financial service project. The project can borrow up to 200,000 yuan and the loan period can reach 10 years.
The reporter contacted Kunming Jinlong Ruyi Garden on March 18 for verification.
A staff member said that the cemetery loan is a consumer financial service project proposed by the bank to contact the park actively, mainly considering that in some traffic accidents, the compensation cycle is relatively long, and the family of the deceased has burial needs and may need temporary loans.
"Because the customer base of this loan is relatively small, our internal meeting has decided not to do it." The above-mentioned staff member said.
Looking at the reports in recent years, you will find that many consumer loan products have caused heated discussions because of their names.
For example, some banks have introduced second-child loans.
The necessary condition for applying for this product is "has a child", the product quota ranges from a minimum of 1,000 yuan to a maximum of 200,000 yuan, and the product period includes 3 to 36 periods.
There are also consumer loans for different specific occupations or groups of people, such as reporter e-loan, angel loan, and white-collar loan.
Some small and medium-sized banks go slant forward
Regarding the successive emergence of consumer loan products for specific groups and special purposes, some bank staff analyzed that the repayment provisions of some of these products are not much different from other consumer loan products, but they are more easily attracted. Eyeball words to get attention is a marketing tool.
The audit mainly depends on the customer's comprehensive qualifications and repayment ability.
The reporter noticed that most of the small and medium-sized banks that launched exotic consumer loans.
A person in the banking industry once wrote that the unique characteristics and development trends of consumer finance have given small and medium-sized banks more innovative advantages and also brought them development opportunities.
However, the consumer finance market has become increasingly fierce in recent years.
An industry insider believes that small and medium-sized banks are facing pressures such as business expansion and profit enhancement, so they choose to take a lean approach and start with their characteristics.
Exotic consumer loan products, including lottery gift loans and graveyard loans, seem to be financial innovations that banks are trying to expand into the market.
However, some commentators bluntly said that these are pseudo-innovations, and in the context of curbing the “expensive betrothal gifts” and “expensive tombs”, these behaviors are in fact profitable in the name of care.
"Consumer loans are pros or cons, depending on whether they can be used reasonably." Hao Xudong said that if you blindly apply for consumer loans, not only the burden of debt, but also mental pressure will come.
The 10 key tasks proposed by the central bank at the beginning of 2021 include prohibiting excessive marketing of financial products and inducing excessive debt.
Reporter: Du Xin