Write unexpectedly
Production | Consumer Finance Channel
In the field of scene staging, due to the large market share of education staging and medical staging, the characteristics of lending groups are obvious, and they have been sought after by lending platforms. With the country's rectification of the education and training market, the stage of education has shrunk dramatically, and the competition for medical and American loans has become more intense.
In order to increase market share, some lending platforms are not strict in the stage of lending expansion, and simple online approval leads to risk control loopholes. These behaviors bring opportunities to institutions and individuals who cheat loans.
Who took the loan money?
Teacher Gu told the Consumer Finance Channel, because the intermediary told him in the process of introducing the loan that the loan would be directly transferred to his bank card, and the scar project could be cancelled at any time in the future. In this case, he accepted the intermediary's proposal. In Mr. Gu's description, the intermediary directly used his mobile phone to operate, saying that he would provide information to apply for a loan first. However, after the operation, the intermediary informed Mr. Gu that the loan application failed and asked Mr. Gu to leave after experiencing the project.
A month later, Mr. Gu received an overdue phone call, and he realized that the medical beauty staging handled by the beauty salon intermediary had actually arrived, but it had not yet reached his bank card. As can be seen from the screenshot provided by Mr. Gu, Mr. Gu's loan platform is egg-splitting technology, and the lender is a small online loan. Mr. Gu has borrowed RMB 36,5438+08,000 from the platform and needs to repay RMB 46,5438+00,000 in 24 installments. The title of the loan says Four Seasons Plastic Surgery.
During the negotiation between Teacher Gu and Four Seasons Plastic Surgery, public officials related to Four Seasons Plastic Surgery always claimed that the loan was not in the beauty salon and asked Teacher Gu to go to the intermediary for a refund. The agent said that the loan was indeed given to the beauty salon. From the chat record between Mr. Gu and the intermediary, it can be seen that the intermediary believes that Siji Plastic has misappropriated the loan.
After the police intervened in the investigation, Xiaoyu, the lender's online merchant, provided the borrower's account number, and the owner of the account number was displayed as Siji Plastic. Because of this loans overdue, there are related bad records in Mr. Gu's credit report. The lender's online merchant said that no matter which party, Four Seasons Plastic Surgery or Teacher Gu, pays the arrears and the interest generated by the arrears, it will withdraw the credit report.
"Consumer Finance Channel" inquired about the plastic surgery of the four seasons through online public telephone. The front desk said that Teacher Gu had reached an agreement with Four Seasons Plastic Surgery and would refund the loan amount. When the consumer finance channel wanted to ask the person in charge further, the front desk refused because it was inconvenient. Teacher Gu said that Four Seasons Plastic Surgery did not refund the loan, and his loan was still overdue.
Risk control is the premise.
According to the investigation, online merchant Xiaoyu, also known as New World Finance, was established on April 20 13 16, and its legal representative is Yao Zhijie. The introduction page of enterprise online merchant small loan is that online merchant small loan provides financing services for the majority of small and medium-sized enterprises, merchants and individuals, and holds an Internet small loan license to serve the whole country. At present, the registered capital of online small loans is 500 million yuan. According to the requirements of the Interim Measures for the Administration of Online Small Loan Business (Draft for Comment), the registered capital of the national online small loan license is not less than 5 billion yuan. There is still a certain distance between the registered capital of online small loans and regulatory requirements.
At the beginning of this year, the small loan performance of online merchants showed that the total revenue in 2020 was 460 million yuan, an increase of17.9% compared with 390 million yuan in 20 19; Net profit 1.596 million yuan, down 92.6% from 2 1.67 million yuan in 2065.438+09. Under the huge revenue pressure, 202 1, small loans of online merchants must be adjusted in business development and collection.
Findan Technology, full name of Shanghai Findan Information Technology Co., Ltd.
Two well-known lending institutions and small loan platforms are involved in the field of medical beauty staging, which shows the fiery degree of medical beauty staging. The staging market of medical beauty began at 20 14, and has maintained a high growth rate of more than 20% since then. The popularity of medical beauty is getting higher and higher, with more and more consumer users and huge market potential. Judging from the staged portraits of medical beauty released by some investigation agencies, the main consumers of medical beauty are women, who are not only willing to accept medical beauty projects with high customer price, but also have excellent repurchase rate. In the field of consumer finance, data show that female customers perform better than male customers after lending, and the degree of default is far below the industry average.
However, the chaos of medical beauty staging also indicates the difficulty of risk control in this scene. In the B-side risk control, the lack of access to merchants in the expansion stage will lead to platform loss, false propaganda and even fraudulent loans. On the C-end risk control, the fraud risk and high pass rate caused by online approval loopholes lead to the loss of independence of the risk control department. Therefore, the premise of entering the medical beauty loan is to have a strict and perfect risk control system.
Related Q&A: On Alipay, is it formal to spend money, borrow money and lend money to online merchants? Alipay, flower shop, loan and online business loan are all formal financial products, which can be used normally according to the rules, and will have no effect if they are not overdue.
Related Q&A: Why are online business loans and loan treasures cut off? What about you? Hello, thank you for inviting me.
Online business loans and loans are both Internet credit products. It is the cooperation between Alipay and the bank that gives some users a certain credit line and repays the principal and interest on time by stages.
Your situation should be the result of regular risk assessment by the background system. Banks have their own risk control departments. When your evaluation results do not meet the safety requirements, your credit limit will be reduced, even reduced to zero or temporarily frozen.
As far as I know, there are several reasons for reducing the quota or freezing the loan function. Friends can refer to themselves:
1. Borrow money frequently through the lending platform, including borrowing money from the same platform for many times.
In the daily evaluation, the risk control department of the bank found that you borrowed frequently recently, including but not limited to online merchant loans or loans. Maybe you also borrowed money from other platforms. These are all credit reports, which are very comprehensive. The bank thinks that you are under a lot of financial pressure recently. In order to avoid your "excessive" consumption, temporarily freeze your borrowing function.
2. The debt ratio is too high.
Even if you haven't borrowed money frequently recently, if the debt ratio is detected to be too high, banks and internet platforms will think that you can't repay on time, and the risk of default is relatively high. At this time, the function of borrowing money will be frozen.
3. Abnormal consumption of bound bank cards
Recently, through the bank card bound by borrowing money, the use of funds is frequently monitored by the background system, and your financial situation will be doubted and your account will be frozen.
Many friends will make capital turnover through internet platforms such as online business loans and borrowing money. And some people can only borrow money to repay the loan because of excessive consumption in advance, which will lead to frequent borrowing from the platform and robbing Peter to pay Paul. It is very dangerous to have frequent loan records on the credit report, or to be completely insolvent and overdue.
Many overdue friends often complain that banks and platforms suddenly lend money (reduce the credit line), which leads to their overdue. In fact, we still have to reflect on ourselves. Consumption must live within our means. Borrowing can only alleviate the temporary emergency, but it is a temporary solution.
I hope it can be used as a reference for friends. If you are not at ease, you can also ask the platform customer service. Carefully sort out your debts, and when you reassess them later, they may be unfrozen. Good luck! [pray] [pray]