[Survey on Online Recruitment Chaos] Going for a "high salary" to apply for a job and taking out a high loan before going to work

  China Central Broadcasting Network, Beijing, August 15 (Reporter Xia Qing) According to a report by the Voice of Economy of China Central Radio and Television Station, "World Finance and Economics", online job hunting has become the first choice for more and more people due to the advantages of low cost and wide coverage.

However, online recruitment, which was originally intended to provide convenient services for users, has often become a tool for criminals to carry out fraud and other illegal activities, or even an accomplice.

Frauds in the name of "recruitment" have spawned a series of new online recruitment and job-hunting scams.

The Voice of Economics series reported "Investigation on Online Recruitment Chaos", and on the 15th, the first article "Applying for a "high salary" and taking out a high loan before going to work was released.

  Xiao Li is a student in a college in Shandong. Before the summer vacation, she wanted to find a part-time job to earn living expenses, so she searched for jobs online and saw that a company was recruiting people with flexible hours, unlimited locations, and low income. Not bad, it met her requirements, so I submitted my resume.

Soon someone contacted her, saying that if she wanted to do this part-time job, she needed training first.

Xiao Li said: "The training is an AR, and the other is like a PS. I just watched the two-day class. He said that he would continue. If he wants to take better orders, he will continue to study."

  Before the part-time job starts, you need to train and pay first.

The other party said that considering that she was a student at school and did not have enough money to pay for the training fee, she suggested that she take an installment loan through a company called "Haier Consumer Finance" to pay for the training fee.

Xiao Li said: "The cost at that time was more than 4,000 yuan and close to 5,000 yuan. He said that he could take out the loan in installments and pay the money. At that time, I didn't understand too much, so they asked me to follow their steps."

  However, according to Xiao Li's recollection, two or three days after she submitted the loan application, she felt that something was wrong, and through a complaint, she terminated the loan application in time.

  Although Xiao Li jumped out of the trap of "training loans", there are still many people who have encountered "training loans" when applying for jobs online.

Mr. Zhang from Dalian really fell into it.

  In March last year, when Mr. Zhang was looking for a job through the Internet, he met an intermediary company, signed a training contract, and learned UI design, which is the overall design of human-computer interaction, operation logic, and beautiful interface, which is very popular nowadays.

It is said that 0 basic learning is possible, and employment is recommended after graduation, and the salary is very high.

He didn't notice at the time that there was a loan agreement on the training contract he signed.

Mr. Zhang told reporters: "He said at the time that our monthly salary was very high, including distribution and employment. The first day I went to the training agreement that I signed directly, and the next day they asked me to take a loan. , that person pointed to the training agreement and said that from the effective date, those who refuse to perform the contract business for their own reasons will have to pay 5,000 yuan in liquidated damages."

  Under the pressure of paying liquidated damages and really wanting to find a job, he had to bite the bullet and submit an application for an installment loan.

Mr. Zhang said: "The first six months are more than 300 yuan, and then it is more than 1,000 yuan or 2,000 yuan per month. It seems that after 18 months, the total is 24,800 yuan."

  Now that the training fee has been paid, let's go to the training, but during the training process, he found that the learning content can actually be found on the Internet, and it is free.

"I think I may have been deceived. At this time, I started to ask them to refund the money, ask for repayment, and cancel the loan. They said no, and said that if they think they are liars, I have to show evidence." Mr. Zhang said.

  The application was filled out by himself, and the name was signed by himself, so Mr. Zhang sought solutions from the Consumers Association and the local industry and commerce bureau, but to no avail.

In desperation, he finally took extreme measures to negotiate with the institution to solve the loan problem.

  According to Mr. Zhang, there were about 20 students in the training class he attended at that time, and they may all have the same experience as him.

  In fact, similar cases are indeed not uncommon.

According to Sun Xiaoming, the operation manager of Black Cat Complaints, the complaints involved are mainly concentrated on education and training institutions and online loan platforms.

Sun Xiaoming said: "Complaints related to training loans show an increasing trend year by year. From 2022 to the present, the average monthly number is about 650, and the peak in July is more than 1,000. From a regional point of view, Guangdong is relatively concentrated, with a history of more than 2,400 orders. It accounts for 18% of the total complaints of training loans. In addition, complaints from Jiangsu, Sichuan, Zhejiang, Shandong, Beijing and other places are also relatively concentrated.”

  Regarding the risk of "training loan", in April this year, the National Student Financial Aid Management Center issued the No. 1 Warning for 2022, which mentioned that some training institutions have induced students to receive course training on the grounds of providing part-time jobs, and guided students to fill in the form on the online platform. Apply for "training loan" with false information.

Lu Yun, a lawyer from the China Consumers Association's lawyer group, reminded that such a "trap" is difficult to prove in practice, so you must be very careful when you sign.

Lu Yun said: "If the corresponding institution does not tell the truth when students apply for loans, and even there are some fraudulent, misleading publicity or tricks, in many cases, students may not fully understand when they take out loans, resulting in Applying for some loans by mistake. In this case, according to the relevant provisions of the Civil Code, students can claim that the loan contract is not established. But it is indeed difficult in practice. Often students have needs, and the loan institution or the corresponding training institution staff When making recommendations to students, it is difficult for students to prove that they did not know, or were deceived, or misled to apply for such loans. Therefore, as a person with full capacity for civil conduct, it is also reminded that those who apply for these loans or sign their signatures You must fully understand the consequences of the signing behavior, especially for consumer loans or training loans. Avoid illegally applying for loans through some illegitimate or non-compliant channels, which will have a serious impact on your credit."