The pitfalls behind beauty loans
Beauty-loving women often hope that beauty agencies will "fine-tune" their delicate faces. According to statistics from the China Plastic Surgery Association, in 2014, China’s nascent cosmetic surgery market was about 400 billion yuan, and more than 7 million people (mainly young women) underwent cosmetic surgery. By 2019, China's cosmetic surgery industry will double its scale to 800 billion yuan, making it the world's third largest cosmetic surgery market.
The high cost of surgery and medicine does not support the dreams of most girls, and a group of lawless elements are also eyeing this market.
Finance company and beauty agency jointly set up bureau
The girl Zeng Yan (pseudonym) always loves beauty, but she suffers from being ashamed. In 2018, after learning through her friend Gong Mou that Changsha Meiyi Beauty Salon could apply for a "beauty loan", she came to the beauty salon on December 10 of that year and met Chen Xiaolong, Chen Xiong and others. Under their promotion, after Zeng Yan paid 12,000 yuan, she borrowed 32,000 yuan from Chen Xiong, Chen Xiaolong, etc., and handed the money to the beauty salon, and then began plastic surgery.
According to the Criminal Prosecution No. 111 Document No. 111 of the People's Procuratorate of Ningxiang City, Hunan Province, Zeng Yan's surgery cost only 14,000 yuan. The case handler of the Ningxiang City People's Procuratorate pointed out that in this cosmetic surgery, Zeng Yan was cheated of 38,000 yuan after removing the actual principal.
Why did Zeng Yan fall into the trap? This is related to the operation of routine loan companies and medical beauty institutions.
Luo Shanzhi, the prosecutor of the Ningxiang City People’s Procuratorate, said that the court found that in July 2018, the suspects Tang Xiaoseng and Chen Xiong invested 145,000 yuan and registered Hunan Santongjin Financial Management Co., Ltd. in Yuhua District, Changsha City ( Hereinafter referred to as "Three Buckets of Gold Company"), it leased two offices in the Jiaxi International Building and Shanghe International Community in Yuhua District. The business scope is corporate financial consulting services and business information consulting, but in fact, the Three Buckets of Gold Company It was doing illegal lending business.
With the expansion of business, Tang Xiaoseng Xu Yi shares absorbed Xu Chuan, Tang Kelong and others to join, and used a 20% business commission to recruit a group of company salesmen such as Deng Haifeng, Jinhui, Chen Xiaolong.
The prosecutor said that the three barrels of gold company set up a "beauty loan" specifically for young women, binding plastic surgery with high debts, and set up a chain through methods such as removing head interest and deliberately overdue, and some girls fell into debt. Trap, even reduced to a long-term money-making tool for routine loan groups.
According to Luo Shanzhi, in order to develop its business, Santongjin decided to cooperate with Changsha Meiyang Aesthetic Medical and other beauty institutions to develop the so-called "Plastic Goddess Group" beauty loan project. No down payment is required and the loan will be released on the same day; and this project will be launched everywhere. advertising. This is a great temptation for some young girls who desire to be beautiful and shy in their pockets.
"After half a year, they are still paying interest"
Fujian girl Xiao Li encountered such a trap when she tried beauty for the first time in her life.
The 20-year-old Xiao Li originally worked as an internet anchor in Xiamen. He has a good face and is very popular. But she has always been a little unconfident about her nose, hoping to make it more beautiful through plastic surgery. According to an internet anchor, she found that by applying for a “beauty loan”, she can achieve a low down payment for plastic surgery and pay a hundred yuan in interest every day, without too much pressure.
So, she came to Changsha Meiyang Aesthetic Hospital for plastic surgery. Three barrels of gold lent it 40,000 yuan, but the actual payment was only 32,000 yuan. Xiao Li handed the money to the plastic surgery hospital.
On the second day in Changsha, Xiao Li underwent plastic surgery on his nose and eyes. Although the three barrels of gold company actually only loaned Li Bing 32,000 yuan through decapitation, the contract debt was 40,000 yuan. Since the plastic surgery recovery period could not be broadcast live, Xiao Li had no source of income, and had to borrow money from the Three Buckets of Gold Company. The second loan was to repay the high interest rate of 1% daily.
The prosecutor handling the case informed the China Youth Daily and China Youth Daily that "Beauty Loan" is a plan jointly designed by Santongjin Company and a plastic surgery agency, behind which hides a routine cosmetic loan trap. After they come into contact with these women, the salesmen will use various opportunities to give these victims a set of loans, so that the amount of profitable loans will increase. "After half a year, they are still paying interest."
The prosecutor’s investigation found that Hunan Santongjin Company, in cooperation with Changsha Meiyang Aesthetics, Meiyi and many other medical and aesthetic institutions, not only used plastic surgery loans to collect high interest rates, but also used hospitals to promote high rebate points to allow these victims to pass through. Repay the money in a head-to-head manner. In this way, not only can they get 50% of the rebate of the plastic surgery project, the company's own loan business also continues.
The victim becomes an intermediary
20-year-old Lin Jing (pseudonym) owed a three-barrel gold company 20,000 yuan for helping a friend borrow money, and had to pay 200 yuan in interest every day. Later, Lin Jing made a second loan to the Santongjin Company, and the daily interest rose to 400 yuan. The salesperson of Santongjin Company asked her to repay the money by introducing customers. If the loan is obtained, a 20% commission is given; if the customer is a plastic surgery customer, a half commission is given.
Driven by the high rebate commission and the huge amount of arrears, many victims have helped Santongjin Company to publish advertisements on WeChat Moments and other social software, attracting friends to borrow and reshape, and are trapped in a scam. .
Some medical and aesthetic institutions also took the initiative to find three pots of gold companies to cooperate. When the gang was seized, there were more than 80 cosmetic loan contracts, involving more than 2 million yuan in loans.
Luo Shanzhi said that the loan for cosmetic surgery is only part of the company's revenue. Some girls love vanity and usually spend a lot of money, and they often borrow money from the three barrels of gold company.
The prosecutor in charge of the case found that the company’s employees in charge of collections used illegal methods to harass through WeChat phone calls, call their parents for debts, and even illegally detain them, which brought tremendous pressure to some girls and their families who came to borrow money and were suspected of extortion. Crime, illegal detention.
Reorganize the beauty market
It is reported that the case is an important part of the "11·07" extraordinarily large "routine loan" series of criminal and criminal cases jointly supervised by the Hunan Provincial People's Procuratorate and the Hunan Provincial Public Security Department. On May 28, 2019, when the Changsha City Public Security Bureau combed through the facts of the “11·07” extraordinarily large routine loan gangs’ crimes, they found that a group of suspects used “beautiful loans”, “plastic loans”, “petty loans” and other forms of "Principal and interest repayment" and "unsecured" fast loans are a gimmick, attracting women who are unable to pay high amounts of plastic surgery and are in urgent need of borrowing money, lure them to designated illegal medical beauty hospitals for plastic surgery, and agree to loan high daily interest rates. Among them, Hunan Santongjin Financial Management Co., Ltd. is one of the links. On June 21, the police conducted a unified network collection operation, and Tang and other suspects were arrested in the company.
At present, the company's executives Tang Mou, Chen Mou and other 9 suspects are suspected of fraud, extortion, and illegal detention. The case has been tried in the Ningxiang City Court.
Zhao Chanjuan, China Youth Daily and China Youth Daily reporter Hong Kefei Source: China Youth Daily