Write unexpectedly
Production | Consumer Finance Channel
Conventional loans have been repeatedly banned.
In the case that Ms. Zhou has not indicated her intention to borrow money, the staff called a man from the door. The man asked Ms. Zhou to provide her ID card and bank card on the grounds of inquiring about credit information, and then asked Ms. Zhou to read it again according to the words in her mobile phone. When Ms. Zhou finished these operations, the staff told her that she had completed the loan.
The loan * * * is RMB 32,000, which will be repaid in 24 installments, with a monthly repayment of RMB 1 776.67, which means that Ms. Zhou still needs to repay RMB 42,640.08 with interest of RMB 1 1,000.
Moreover, this loan was not paid to Ms. Zhou's account, but directly to the plastic surgery institution.
Some female college students also have the same experience as Ms. Zhou. According to the news, a female college student had a "free" rhinoplasty operation at Yuemei Medical Institution in Wuhan through a friend's introduction. However, the premise of free cosmetic surgery is to advance the expenses through the loan platform. Later, the organization promised to help the college student repay the loan amount every month by making him a publicity ambassador.
However, this female college student only received the refund for the first month, and the organizations behind her did not reply. The late female college students were unable to repay their loans, resulting in more than 20,000 loans overdue, and the total interest was more than 30,000.
20 17 The former CBRC, the Ministry of Education and the Ministry of Human Resources jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the Notice), requiring any online lending institution not to grant loans to college students. However, some medical and aesthetic institutions try to trick inexperienced students into getting loans by installments through various means such as free recruitment and cash back.
According to the data in the White Paper on Insight into Medical Beauty Industry in China in 2020, there are about10.3 million institutions with medical beauty qualifications in China, and only10.2% of the industries are legally engaged in medical beauty projects.
In recent years, disputes between doctors and beauties have shown an obvious upward trend. According to the White Paper on Civil Trial of Medical Beauty Disputes in Chaoyang District People's Court of Beijing (20 16 -2020), the proportion of medical beauty disputes accepted by Chaoyang District Court has increased year by year, from 20 16 10.8% to 27.0%.
The Siming District Court of Xiamen made statistics on the medical beauty cases accepted in recent four years, and found that from 20 17 to 2021May, * * * accepted 98 cases involving medical beauty institutions, and the overall number of cases showed an increasing trend year by year.
Standardizing beauty loans from the capital chain
In recent years, regulators have also vigorously investigated and dealt with illegal routine loans in the medical and beauty circles. Recently, some media reported that the Shanghai Stock Exchange and Shenzhen Stock Exchange require that there should be no "medical and beauty installment loan" in the basic assets of newly listed consumer financial asset securitization (ABS) products.
Although the newly listed ABS meets the requirements, only 15 consumer finance companies have obtained ABS at present. However, this news released an important signal, that is, the regulatory authorities attached great importance to the staging of medical beauty in the market and prepared to directly regulate the market from the capital chain.
Recently, the China Plastic Surgery Association also publicized the white list of "black staging" and "black household loan" industry chaos of medical and beauty financial service institutions, among which staging, small-scale finance and Yunyihua are famous.
It can be seen from the black cat complaint platform that although staging is a formal loan platform, medical beauty loans have been complained. There are 57 1 related complaints on the platform, most of which are related to medical beauty projects. Complaints focused on high interest rates and inducing college students to borrow money. That is to strengthen the management of installment payment in medical and American loans. In contrast, Yunyihua's complaints on the platform are much less, and they are all focused on random collection and protection. Xiaoman Finance, a financial company owned by Baidu, is involved in education loans and beauty loans.
Complaints about black cats are staged.
After getting the wind from the regulatory authorities, most consumer finance companies have terminated their cooperation with medical and beauty companies. Some companies
According to the White Paper on Medical Beauty Industry in 2020, the proportion of medical beauty consumers under the age of 25 in the new oxygen platform will exceed 54% in 2020. It can be seen that the audience with medical beauty needs in China is getting younger and younger. For those who need plastic surgery but are ashamed of cysts, the installment loan recommended by plastic surgery institutions is undoubtedly their best choice.
There is still a long way to go to ensure the legitimate rights and interests of this group of young people and make the medical beauty market develop in a standardized and orderly manner.
Related Q&A: Related Q&A: How deep is the inside story of second-hand car installment finance? Don't think everything is too beautiful. Similarly, don't think everything is too dark.
Used car installment finance depends on what kind of company you are looking for. If it is an informal small company, it does have certain risks, but it is no wonder that others choose their own path. Most people who are cheated are caused by their own greed, so as long as they have a correct attitude and don't have the idea of "let me take advantage of everything in the world", the probability of being cheated will be greatly reduced.
I have bought three cars, two of which are installment finance, but both are regular companies. The first car was found by the bank, and the second car is the manufacturer's own financial company, no problem.
Some people think that the interest of financial companies is high, so we should look at it objectively. If you don't want to pay interest, you can buy a car in full. Although you pay a certain amount of interest in installments, it can save you a large sum of money at one time, and installment is relatively easy. In addition, for businessmen, funds can be used for business turnover. If so, the interest will be well spent.
I don't know what you mean by insider. According to my understanding, it should mean "routine", so I tell you: as long as you are looking for a bank or a formal financial institution, there is no such thing as insider or routine. As for interest, anyone who makes money in business will not lend you money for nothing, will he? If you really don't think it's cost-effective, don't do auto finance, and buy a peace of mind in full.
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