With the recent steady recovery of the service sector, freight companies are getting busier. Some people took advantage of the opportunity to exploit loopholes and set up "tempting" job advertisements under the guise of online platforms and logistics companies. Under the guise of high salaries, these recruits trick job seekers into taking out loans to buy cars and promising to return them at any time. The advertisement claims that the business seems to be "safe and secure", but in fact it is risky.
According to the financial regulatory department, many people listen to advertisements and loans to buy cars, but after joining the company, they find that the supply of goods is unstable, the monthly income is low, and it is even more difficult to return the car and refund. Drivers are saddled with high loans, but their monthly income is not enough to repay their monthly payments, which is not only hampered by daily life, but also their credit records may be damaged due to their inability to repay loans on time.
There is nothing wrong with getting a fair remuneration for your labor, but there is no pie in the sky. In order to protect their own interests, job seekers should not believe the rhetoric of "high salary guarantee". First of all, before the loan to buy a car, borrowers should ask a few more questions. First, why take out a loan to buy a car? Under normal circumstances, whether to purchase a certain commodity as a labor tool, buy with a loan or buy it in full, these matters should be decided by the worker independently, and cannot be forcibly tied to online platforms and freight companies; Second, is the supply stable? If job seekers cannot fully confirm the company's business status, they can protect their legitimate rights and interests by signing a contract, and do not trust verbal promises to prevent complaints from being impossible.
Second, borrowing should go through formal financial channels. "Bundled loans" may carry the risk of "informal lending", that is, in addition to interest, borrowers often have to pay a variety of fees, security deposits, etc. If the loan cannot be repaid on time, the borrower may also encounter illegal and violent collection. If there is a real need for funds, the borrower must choose a formal financial institution. When handling loan business, the borrower should carefully and completely read the terms of the contract, especially to see several important information, such as loan conditions, repayment requirements, payment names, etc., if there is a gap in the contract, do not sign rashly under the urging of others, let alone authorize others to sign.
Relevant departments should implement comprehensive policies, not only do a good job of risk warning, but also take effective measures to effectively protect the legitimate rights and interests of workers. From the perspective of financial management departments, it is necessary to continue to crack down on "Li ghost" pseudo-financial institutions, strictly investigate the non-compliant operation of financial institutions, and let borrowers use loans with peace of mind, operate in a down-to-earth manner, and make every effort to develop.