Chinanews.com client, Beijing, March 20 (Reporter Xie Yiguan) Recently, "Beauty Gift Loan" and "Graveyard Loan" have been on the hot search in turn, plus the previous "Second Child Loan" and "Wedding Loan". It is "all things can be loaned."
Why do banks repeatedly offer "wonderful" loans?
Are these products legal and compliant?
"California Loan" and "Graveyard Loan" appeared in turn
"Don't worry about the cost of gift gifts,'loan' to stabilize happiness." Recently, Jiujiang Bank launched the "Beauty Gift Loan" poster showing that the loan can be loaned up to 300,000 yuan, the longest loan is one year, and the annual interest rate is 4.9%. , Applicants must be over 22 years of age, continuous working time not less than 12 months, and the couple must be a formal employee of the administrative institution.
The picture comes from the Internet.
The sky-high price of gifts has always been criticized. In 2021, the Central Government’s No. 1 document clearly requires that unhealthy practices such as high price gifts be strengthened.
As soon as Jiujiang Bank’s "beautiful gift loan" was disclosed, it triggered verbal criticism from netizens: "Loan 100,000 donations, marry her and make up for the hole?" "Fat the swollen face to fill the fat man, and it was the young couple who worked hard to repay the loan."
On March 17, a staff member of Jiujiang Bank said in a consultation with a reporter from Chinanews.com, “This product has been cancelled and will not be launched in the future.” Then another staff member said, “I have never heard of this loan. business."
As the matter continued to ferment, on the evening of March 18, Jiujiang Bank issued an apology statement: At present, the bank has suspended the directly responsible person, imposed demerit penalties on department heads, and critically educates relevant forwarders.
Screenshot from Weibo.
When the "California Loan" was making a lot of noise, the news that "Kunming a cemetery launched a cemetery mortgage loan" was on the hot search again.
It is understood that Kunming Jinlong Ruyi Garden and Yunnan Xishan Beiyin Village Bank Co., Ltd. jointly launched a "cemetery mortgage loan" with a down payment of 20% and a maximum loan of 200,000 yuan.
The staff of Jinlong Ruyi Garden in Kunming told a reporter from Chinanews.com, “The situation is true. There is this intention, but there is no formal contract or implementation, and it has now been cancelled.”
According to Tianyan Check data, Yunnan Xishan Beiyin Rural Bank was established in June 2017 with a registered capital of 80 million yuan. It is a 61%-owned subsidiary of Bank of Beijing, and its legal representative is Chen Shuqiang.
"Our life is going to be contracted by loans?"
In fact, the special loans introduced by banks such as "City Gift Loan" and "Graveyard Loan" are nothing new.
According to media reports, at the end of December 2020, a bank in Xuanhua District, Zhangjiakou City, Hebei Province, cooperated with a cemetery cemetery and launched a loan product for the purchase of cemeteries. Banks in Xiamen and Anshun have also been exposed to cooperate with local cemeteries to launch cemetery mortgage products.
Earlier in 2015, the Wuxi Branch of the Bank of Jiangsu and Xu Xingming Wedding Company piloted the "Wedding Loan"; in 2016, the Bank of Nanjing, Bank of Jiangsu, and Agricultural Bank and Nanjing Wedding Company launched a "marriage loan" with a maximum loan of 30 Ten thousand yuan.
Even a bank will "help" you have a second child.
In 2016, the Postal Savings Bank of China and China Post Consumer Finance jointly issued a "second child loan" with family consumer companies, and the loan can be up to 200,000 yuan for "as long as a parent-child photo + birth certificate".
Data map.
Photo by Chinanews reporter Li Jinlei
Loans for specific occupations are also popular.
For example, in August 2020, Shandong Dezhou Rural Commercial Bank launched the "Garden Loan"; in October 2020, Shandong Binzhou Rural Commercial Bank launched the "People's Servant Consumption Loan"; in November 2020, the Agricultural Bank of China Shenyang Branch Nanhu Sub-branch launched "Reporter e-loan"; in January 2021, Guangdong Guangning Rural Commercial Bank launched the "Chef Loan".
After the outbreak of the new crown pneumonia epidemic, many banks also launched "medical care loans" and "angel loans" for medical workers.
In addition, various types of loans for college students' study, life, entrepreneurship, and study abroad are also everywhere.
As a result, some netizens ridiculed: "Second-child loans, student loans, gift loans, housing loans, and cemetery loans, from birth to death, are contracted by loans for their entire lives."
All kinds of "wonderful loans" are essentially consumer loans
Although the "names" of loans are varied, "but they are still consumer loans in essence." Guo Tianyong, a professor at the School of Finance of the Central University of Finance and Economics, told a reporter from Chinanews.com.
The personal loan business of commercial banks mainly includes four parts: personal housing loans, personal consumption loans, personal business loans and credit card loans.
In recent years, the supervision of personal housing loans and personal business loan business has become stricter, and the growth space has gradually been compressed. Personal consumption loans have become banks' power point.
In 2019, 32 pairs of "zero beauties" couples held a collective wedding in Yujiang District, Yingtan City, and took practical actions to boycott the "extraordinary beauties".
Photo courtesy of the Publicity Department of Yujiang District
"Now banks are under great competition pressure and money is not easy to earn. Therefore, they will choose to design and develop some new loan products to attract more customers." Guo Tianyong pointed out, "In this process, banks must prevent deviation."
Guo Tianyong said that the state has a "cover" in terms of loans.
For example, the lottery gift is not advocated by the state in terms of marriage, so the lottery gift is not in line with our current values.
"Bank innovation should conform to social values, not touch the bottom line of ethics, and achieve the unity of social and economic benefits."
"Loans need to be aimed at legitimate and legitimate professions, and have benign scenarios. They must not violate laws, regulations, and public order and good customs." Dong Ximiao, chief researcher of China Merchants Finance also believes that "beautiful gift loans" are essentially wedding loans, which many banks have introduced. Yes, but using such a name to promote it is problematic.
In Dong Ximiao's view, what really needs attention is how banks monitor the use and flow of related products.
Loans less than 300,000 can be paid without entrustment, and it is easier to illegally flow to the property market and stock market.
Especially for many young people who are preparing to get married, the pressure of buying a house is not small. After all, in the eyes of the mother-in-law, the house may be the biggest "beautiful gift".
Which laws and regulations have been violated by "California Loan"?
According to netizens, scanning the QR code on the “Cai Li Dai” poster of Jiujiang Bank will jump to the page of a personal consumer credit product, “Happy Loan”.
The promotional poster of the loan product shows that the loan is only used for: wedding trips, car purchases, jewelry purchases, and home appliances.
However, the account manager of Jiujiang Bank once told the media that "Beauty Loan" is actually a "Happy Loan-Pocket Money" product. "If you have a loan, you can use it to buy a car, and it can also be used as a gift."
"Strictly speaking, this can be regarded as a kind of false propaganda." Yan Bing, director of Beijing Yuntong Law Firm, pointed out to a reporter from Chinanews.com.
It is worth noting that in January, the central bank work conference made it clear that “excessive marketing of financial products is strictly prohibited to induce excessive debt.”
Have you borrowed money from the bank?
What kind of loan is it all because of?
(Finish)