Some platforms shouted the slogan that 400 yuan joined crowdfunding to pay off 4 million debts, which sounded very attractive, especially for some people who overspent their income in the next few years, just like grabbing a lifeline. Regardless of whether this model itself is pyramid selling, let's analyze whether it is feasible.
Think carefully about what kind of people will be interested in the debt crowdfunding project? If you have no debt or debt accounts for only a small part of your monthly income, will you participate in such a money-giving project? 400 yuan is also money, so it is better to donate it to those in need. People who are interested in debt crowdfunding must owe a lot of debts and want to take advantage of the so-called crowdfunding. For example, a person with a debt of 50,000 yuan earns 35,000 yuan a month, and it will take more than one year to pay off the debt without eating or drinking. They want to spend several hundred yuan to pay off all their debts. Isn't this a pie in the sky?
All people who are interested in debt crowdfunding projects are people who have already owed huge sums of money, people who want to take advantage of others, and people who want to use other people's money to pay back the money. This is not insurance, there is no need to take precautions. If a person doesn't buy insurance until he is sick, the insurance company will definitely not sell it to him, even if the premium is higher, unless the premium exceeds the insurance indemnity. Debt crowdfunding, on the other hand, has been "sick" and smart enough for insurance companies to dare not play like this.
Is debt crowdfunding a financial innovation? If so, I can tell you that all the big factories and large financial institutions you have heard will quickly follow suit and launch similar models. Tencent will take the lead in copying exactly the same pattern (without accusing Tencent of plagiarism). The reason why there is no big factory replica is because this thing has nothing to do with financial innovation.
Having said that, debt crowdfunding is not feasible in the underlying logic, so let's talk about the essence of debt crowdfunding.
I have seen the model introduction of a debt crowdfunding organization. Tearing open the cloak of crowdfunding, we can find that this is just a new pyramid scheme. What is MLM? As long as it is satisfied, it is necessary to constantly innovate, and the main income is obtained by pulling new ones, that is, pyramid schemes. Obviously, debt crowdfunding is a typical pyramid scheme, and the products he sells can be called "repayment right". The more people, the higher the level, and the higher the crowdfunding amount. High-level people may actually pay back the money in the end, because enough people have been brought in, and their "joining fee" has also been lost to others.
Some friends said that debt crowdfunding will quit after success and cannot continue. This is just a gimmick, which makes people feel that debt crowdfunding is fair. It's actually easy to crack. Just keep borrowing, don't you? If you keep borrowing money, you will always be a debtor. Anyway, the borrowed money will go to other bank cards, and you can continue to pay off the new debts through the joining fee paid by your subordinates. This is a real permanent harvester.
Debt crowdfunding is not only a pyramid scheme, but also a financial cancer. When this thing grows, it will not be more unscrupulous to borrow money, or even deliberately get into debt. People who will join debt crowdfunding are originally in debt, because they have poor ability to make money, strong desire to consume and weak restraint. Now with debt crowdfunding, you can pay your debts through the newcomers you bring in. Don't worry about paying back the money at all. You are desperately in debt and proud of borrowing money.
Therefore, the relevant state departments must strengthen the crackdown on debt crowdfunding as soon as possible and severely punish the organizers and main participants of pyramid schemes and financial scams.
It is true that many people are in debt, which is the basic fact of many people now. Debt crowdfunding is a bit unreliable.
Everyone is in debt for different reasons. One thing is exactly the same, that is, the consequences of debt are the same.
Some people can't help themselves. Blind borrowing, high consumption leads to high debt, so we should spend rationally and do what we can.
At this time, the overdue consequence of personal credit card is the most serious debt, which affects personal credit information.
In recent years, credit card repayment has developed rapidly.
Credit card replacement is still a new medical form, and personal debt may become more and more serious, so we must pay attention to it.
There are no real angels in this world. Besides your parents, wife or husband and children, you should think more about others.
The ideal is full and the reality is skinny.
All kinds of debt alliances, debt crowdfunding and debt groups are numerous, each with its own ulterior motives. Be careful to be cheated again and again, and it will be even worse.
Some people fail in business or entrepreneurship, resulting in debt.
Some debts are even more wonderful. They went to the plastic surgery hospital and signed a beauty consumption loan. They went to find a job and signed a training loan involuntarily.
All kinds of routine loans are full of traps. Seriously provide SMS verification code, and be sure to brush your face carefully.
There are many people in debt, so we should learn to save ourselves, discuss with our families as much as possible, and make a good debt repayment plan.
If you accidentally get into debt, sorting out the debt is the key.
No cash, no feeling of spending money by scanning the code. Online advertisements on various lending platforms are overwhelming, and controlling yourself is the most important thing.