According to the staff, this is a pure credit loan with no mortgage. Age: The loan term shall not exceed 75 for men and 65 for women. The down payment is 20% and the loan interest rate is 9%. If there is a guarantor, the down payment can be zero. If it is handled, it can be completed in a week at the earliest.
However, once this "cemetery loan" was launched, it caused an uproar. Finally, the bank announced the cancellation of the credit project, which ended hastily.
Wonderful loans are not limited to this one. Not long ago, the advertisement of "Bride Gift Loan" launched by Jiangxi Jiujiang Bank rushed to the hot search, and the related recommendation words made people stunned: "Don't worry about the bride price, but also lend stable happiness." The poster shows that the "bride price loan" can be loaned up to 300,000 yuan, up to one year, and the annual interest rate is as low as 4.9%, which can be used for wedding travel, car purchase and jewelry purchase.
After the "bride price loan" rushed to the hot search and triggered a hot discussion on the Internet, the supervision intervened in the investigation. At present, the bank has issued an apology statement, saying that the person directly responsible has been suspended.
In addition to cemetery loans and bride price loans, there are also down payment loans for buying a house, down payment loans for giving birth to a second child, rental loans, home improvement loans, medical beauty loans and travel loans. All kinds of wonderful loans give people the illusion that there is a loan when there is demand.
These fancy and gimmicky loans not only attract the expected enthusiasm, but also attract the criticism of ordinary people who add anxiety to them.
If consumers don't pay the bill, why do banks have so many wonderful loans? The reason is that in the past two years, with the suspension of offline cross-regional operations by small and medium-sized banks, online cross-regional lending has been restricted, and the sinking of consumer loans has been hit head-on by big banks. Under the pressure of business, in 20021year, the well-known controversial "bride price loan" and "cemetery loan" began to appear.
Yue, Secretary-General of the Standardization Committee of Beijing Lawyers Association: The starting point of banks must be to increase income, and what products banks design. I think this is understandable. The key is to abide by laws and regulations, and the key is to abide by public order and good customs. You can't design products that will corrupt the social atmosphere.
The data shows that the annual interest rates of these wonderful loans are indeed slightly higher than other consumer loans. For example, "bride price loan" can buy a car, and its loan interest rate is 4.9% per year, while the average annual interest rate of car consumption loan may be only about 3%.
In addition to making money, banks' competition for consumption and use is also the reason why wonderful loans emerge one after another.
Experts said that some loan scenes in personal consumption have been occupied, such as mortgage and car loan. Therefore, banks are looking for consumer use scenarios and making loans bigger, so various names come out.
It is undeniable that with the intensification of competition in the financial market, the pressure on some financial institutions, especially small and medium-sized banks, has increased sharply in recent years. While some small and medium-sized banks are competing for market segments, they also choose to arrange them sideways and make unique gimmicks.
Yue, Secretary-General of the Rules and Regulations Committee of Beijing Lawyers Association: There may be some detours now, which is the so-called public order and good customs. After all, this is a relatively vague field, with legal boundaries and moral boundaries. At this time, in order to be unconventional or gain a certain competitive advantage, banks always have to innovate. The so-called innovation of a thing, whether it is terms or marketing methods, is purely for the purpose of service.
Wonderful loan "loan" does not come to consumption upgrade
What kind of problems are reflected behind these wonderful loans? Does it really promote consumption upgrading as the bank said?
Ms. Li from Changsha, Hunan Province, had a rhinoplasty in a plastic surgery hospital two years ago. At that time, because of the shortage of funds, the beauty hospital recommended her a "phased" loan platform.
According to the information provided by Ms. Li, her loan has been repaid in 24 installments and has been fully paid off. Recently, however, she found that she had two credit cards in her name, one of which was reduced in loan amount and the other was suspended directly. After investigation, I found that I had a serious bad credit record.
It is clear that the arrears have been settled, but there is still an overdue amount of 5652 yuan on the credit transaction details, which makes Ms. Li puzzled.
There are still many serious consequences caused by beauty loans. Wuhan Wang Xiao was unable to repay the loan after plastic surgery, and was taken by the intermediary to sell the eggs and pay back the money.
I went to three hospitals in a row, and had 17 days of egg promotion injection, but the egg retrieval ended in failure. Xiao Wang felt unwell after returning home, suddenly fell into a coma and almost lost his life.
Such micro-loans abound in today's society. An ID card and a mobile phone number can enjoy the treatment of advanced consumption, which seems to be convenient for the public, but it is a mystery.
Central Bank: Individual financial institutions launch "wonderful loans" to touch the social bottom line.
The central bank also responded to these wonderful loans yesterday (1). Individual banks, under the banner of so-called financial innovation, challenge social pain points, leading to excessive debts of residents and touching the bottom line of social public order and good customs.
Zou Lan, director of the financial market department of the central bank, said that individual banks challenged social pain points under the banner of so-called financial innovation, which led to excessive debts of residents, touched the bottom line of social public order and good customs, and broke away from the responsibility of financial services to the real economy. This kind of loan is actually a consumer loan, and individual banks promote customers by making gimmicks, which also reflects the lack of service capacity of some small and medium-sized banks.
Zou Lan, Director of the Financial Market Department of the People's Bank of China: We will promptly correct practices that violate public order, good customs and national policies.
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