"To me, money is money, I can buy all kinds of things I want." 3354 Zhang Ailing's "Tong Yan Wuji"

Zhang Ailing never hides her money worship. She said that she had never suffered from money and did not know the disadvantages of money, but only knew the advantages of money.

When Zhang Ailing received her first draft fee at the age of 12, she bought a Qidan lipstick. She felt very sweet when she heard Hu Lancheng confess that he would protect her financially.

Wilde also had some sharp remarks about money:

When I was young, I thought money was the most important thing in the world. Now that I'm older, I know this to be true.

No matter what their family background is, modern people are just like Zhang Ailing, knowing nothing about the disadvantages of money.

Plastic surgery institutions tell college students who have just entered the society that spending a little money on plastic surgery can change their lives;

Online education platforms tell parents that spending a little money to make up for online classes can help their children. Overtaking;

Leasing companies tell tenants that they can get stability and discounts by spending some money.

If the charter company only recommends that tenants take out loans in the name of annual payment discounts, then there is no essential difference between this kind of plastic surgery agency that uses customers’ mobile phones to operate medical and beauty loans and an online education platform called installment consumer loans.

Draw a pie that can make life better through borrowing money.

I don’t know if lending institutions have made young people’s lives better, but they have definitely made the Internet financial institutions behind the platform enrich their material lives.

“There are many loans out of ten (in this industry).”

Although he has left the medical beauty industry for some time, Zou Yu still remembers the young people who came to the hospital for consultation. Men and women are not the most important thing. The important thing is how to get them interested in more plastic surgery projects.

After reading too much news about plastic surgery, sales staff will avoid risks as appropriate. Large projects are generally not recommended, but small projects such as double eyelids must be recommended. This is industry practice.

Theoretically, whether a plastic surgery project is considered a major surgery depends on the customer’s facial condition and actual needs. Take rhinosynthesis, for example. Some people only need a prosthesis, and some people need to make tissue osteotomy correction themselves. The latter is even major surgery.

Before you get the rebate, the first customer you sell is usually yourself. A relatively good-looking face will be more convincing to customers, so recruitment is one of the relatively fixed channels for plastic surgery institutions to obtain customers.

"Especially when you see your colleagues around you doing this, how can you resist that thought?" At this point, Zou Yu muttered a few times.

Looking in the mirror, the nose on the left side is too flat, the right side has too many acne, the face is too wide horizontally, and the eyes are too small vertically. These issues seem to be the biggest stumbling blocks on the road to advancement and prosperity.

So if you think about it carefully, a loan seems to be equivalent to a lifetime of benefits.

“You can get a loan for double eyelids worth 7,000 to 8,000 yuan, or nose surgery for 2,000 to 3,000 yuan, but one company cannot try another.”

Due to the strictness of the qualification review of different online loan platforms Differently, plastic surgery institutions generally have multiple alternative apps to help them perform the entire operation. The only thing the customer needs to do is enter a password.

Zou Yu’s impression is that the medical beauty loan platforms that are used more frequently are relatively rich.

Qian is the credit brand of Xiaoman Financial. The main company is Guangzhou Baili Network Technology Co., Ltd., with a registered capital of 10 million yuan. According to the official reputation of Youqianhua, the platform mainly provides users with unsecured and unsecured credit services.

Open the homepage of Youqianhua, and you will find that the three types of loan projects promoted by the platform are: education, medical beauty, and dentistry. The maximum loan amount for the three types of projects is around 150,000.

Regular institutions are afraid of medical disputes and can basically provide refunds if the project is not carried out. However, in the specific operation process, this matter has a specialized technical field.

(Illustration, controversy (dialect): unprincipled arguments or irresponsible buck-passing)

It is not ruled out that some people are more likely to cause trouble and use a relatively tough attitude to safeguard their rights and interests. . The remaining people are more likely to complain in the rights protection group.

Whenever a large-scale thunder breaks out in an industry, the WeChat group will take on the responsibility of safeguarding rights and venting.

After learning from th

However, no matter how much parents shout in the rights protection group, the first culprit they say will never be seen.

At the beginning of New Year’s Day in 2021, Zhang, the founder of Xuebajun, published a long article in WeChat Moments, officially responding to the rumors of bankruptcy. Zhang announced the closure of one-to-one and advanced learning classes, and at the same time poured out the plight faced by top students in the media.

"It seems that the power of supervision has been exercised, but no one cares about the interests of children and employees. This is a run on everyone's interests and a bloody bun."

This will probably A good example of a lesson in vocabulary abuse is Human Blood Buns.

In response, Zhang hinted at all the big guys in the Internet circle, hoping that any of them could take over the current mess.

Later, online education platforms such as Xueersi and 51Talk took over some of Xuebajun’s employees, but a large number of students without classes are still missing.

A widely circulated statement in the group is that parents who have not completed the course can contact customer service to exchange courses on other online education platforms.

Currently, the source of the information cannot be found. Many parents still report that they do not know about the class change, or parents who already know about it believe that the value of the class change is too low and are unwilling to change classes.

“Most people who keep large quantities don’t care about the small ones and throw them away.” Some parents summed it up this way. In his opinion, those parents who have just bought courses and encountered the collapse of the platform are the worst off, especially those who have loans.

In the Sichuan subgroup of the Xuebajun rights protection group, several parents revealed that they knew nothing about the loan facts during the payment process.

"It's about paying tuition in installments. I don't understand how it turned into a loan in the end."

Easy Q&ampa is just one of the many online loan platforms that Xuebajun cooperates with one. In addition, many parents obtain loan services through platforms such as JD.COM Baitiao and Alipay.

As for the situation where parents did not know about the installment payment but actually took out a loan, Xuebajun once responded and called it an example.

Looking back at the lending institutions behind these platforms and the complaints and feedback from Black Cat, we can see that there are many lenders involved in Xuebajun’s cooperation. Hebei Xingfu Consumer Finance, Haier Consumer Finance, 91 Finance, Xiaoheng Wallet, and TCL Small Loan Finance are all listed.

Among them, Hebei Xingfu Consumer Finance has a guarantee contract dispute with Shanghai Qianwen Wandaba Cloud Computing Technology Co., Ltd. (Xuebajun’s parent company). The first instance was heard in Shijiazhuang City, Hebei Province on March 31 The Qiaoxi District People's Court opened a hearing (no relevant documents have been found on the Judgment Documents website). Hebei Xingfu Consumer Finance, as the plaintiff in the first instance, stated that it had stopped cooperating with Xuebajun in August 2020.

In the JD Baitiao sub-group of the Xuebajun rights protection group, one of the lenders that appeared more frequently in screenshots of text messages posted by parents was Hebei Xingfu Consumer Finance.

According to public information from the China Banking Regulatory Commission, Hebei Xingfu Consumer Finance was established in 2017 and licensed in September 2018. The three major shareholders are Zhangjiakou Bank, China UCAR and Blue Whale Holdings. After the establishment of the organization, it has cooperated with mutual financial companies such as JD Finance, Ant Technology, Duxiaoman Finance and 360 Finance. The specific initial time of cooperation is unknown.

However, Hebei Xingfu Consumer Finance has stated through the media that the loan amount provided by individual tuition installments accounts for a very low proportion among all financial institutions that Xuebajun cooperates with.

Financial institutions are eager to clear up the relationship, and no platform has responded to user loan processing matters.

The defaulter has become an established fact, and most parents can only look at the loan reminder text messages from the lending institutions and become anxious. People who don’t care about the “little money” have already begun to look for the next tutoring institution, and some rights protection groups have become another wave of recruiting groups for educational institutions.

After all, education is a lifelong career.

In the mainstream impression, young people are the largest group targeted by micro-loan products.

On March 17, 2021, the regulatory authorities issued a document strictly prohibiting small loans and non-licensed institutions from lending to college students. They are not allowed to target the college student group for precise marketing, and are not allowed to push college students to lending institutions.

After the regulation was issued, some college students reported that their Huabei (white notes) quotas had become lower. In fact, since 2004, when China Guangfa Bank launched the first credit card for college students in China, relevant policy documents have been issued one after another.

In 2014, a document formulated by member units of the China Payment and Clearing Association put forward two clear regulations on the issuance of credit cards to student groups:

After this regulation came out, various banks will Enthusiasm for student credit cards is starting to wane. In the same year, with the launch of JD Baitiao and Tmall installments, P2P stepped into the consumer finance business.

Two years later, negative incidents such as campus loans and naked loans continued to ferment until the regulatory authorities stopped it and encouraged commercial banks to enter.

Although the regular army entered the scene later, due to the lessons learned from the past, most of them still acted cautiously and focused on pilot projects.

In the mobile era, the rise of several Internet financial institutions represented by Huabei once overshadowed the originally cautious credit card business of commercial banks.

“Isn’t Huabei delicious? Why should I apply for a credit card?”

For a considerable number of people born in 1995 and 2000, Alipay is their first channel to contact finance. It is also the most important channel. There is Huabei for consumer loans, there is Borrow for cash loans, there is a special section for financial management, and there are discounts for funds.

“Fortunately, my mother doesn’t know how to use Alipay, otherwise I would have to help her pay back Huabei.” A post-90s generation complained on social platforms. Taobao launched family accounts a few years ago in order to cultivate the consumption habits of people of different generations. It’s just that Taobao didn’t expect that Pinduoduo would take the lead in all this.

Everything is just an illusion. Some people who are eager to learn have learned a lot from the people who have gone to the countryside to sell health products in the past twenty years.

Zou Yu recalled some things in the plastic surgery institution in the past. She remembered that there would be salesmen who would bring in groups of middle-aged women to undergo various medical beauty projects.

“Some people (sales) specifically go to beauty salons in third- and fourth-tier cities to find customers, and I feel that aunties are easy to persuade.”

“It’s because the aunties are richer. "

"Some people may be like this, but there are always people who take loans, and they don't know much about the various operations of mobile phones."

Slightly cautious young people do it. Before the plastic surgery project, you should also collect information online and do enough homework. This ratio will be much smaller for aunties, not to mention that people's pursuit of beauty does not weaken with age.

"What if the performance is not satisfactory?"

"As long as it is not too bad, their unified rhetoric is that they are still in the recovery period. After all, the recovery ability of aunts is not as good as that of young people. In this way, it can be delayed for two or three years, beyond the rights protection period.”

Without a sufficient understanding of an industry, people of any age can easily fall into the trap of consumer loan hunting. object.

“Many people have no financial knowledge. When they have common sense, what they come into contact with is financial management (funds).” A practitioner said.

Among these investment groups, some may only be able to write their own names, just like the middle-aged and elderly people who later used smart phones and could only send a voice message to enter a password. However, these are sufficient for various types of lenders.

There are many financial terms, and the platform may just hope that they understand the meaning of the word "investment" - invest as early as possible, and investment will pay off.

On the surface, P2P is different from medical beauty and education loans. In fact, for users, there is not much difference between these things. They are all investments, including the recently infamous betrothal loan, second-child loan and even cemetery loan.

As long as it is an investment for a better future, then all industries have a commonality, and this commonality is: return on investment. Marketing based on this almost always uses the same set of logic, drawing a blueprint and keeping silent about the risks.

As a consumption platform for financial intermediaries, I think that as long as I get rid of my identity as a creditor or debtor, I can sit back and relax.

I want A’s honey, but I don’t want B’s arsenic.

This kind of thinking is hard not to remind people of early online ride-hailing platforms claiming that drivers’ behavior cannot be monitored, and food delivery platforms claiming that riders running red lights are just too impatient. Could it be that people who apply for cemetery loans want to celebrate the Qingming Festival early?

Fortunately, the consumer loan product was stopped in time. When social pain points become marketing selling points and institutions lead residents to over-indebt, they are divorced from the essence of financial services serving the real economy.

Those less-exotic consumer loan products are able to sprout freely under social pain points and hot spots.

People who follow trends and policies and do business can easily interpret certain statements out of context.

The year before online education became the most popular, in 2019, 11 departments including the Ministry of Education jointly issued the "Guiding Opinions on Promoting the Healthy Development of Online Education."

There is a sentence in the document that has been widely reprinted in the financial circle: financial institutions are encouraged to develop financial products that meet the characteristics of online education and use multiple financing channels to support the development of online education.

One sentence covers almost all the expansion and financing processes of online education platforms represented by Xuebajun in recent years. It is inevitable that people will think of Zhang Kailei’s cry in his long response: Xueba Jun has not raised funds for three years. It really captures the key point of the development of online education - financing.

However, many people selectively ignored the most critical paragraph in the official document.

It is still the same document, covering all the key points of later online education platforms.

In fact, objectively speaking, the combination of online education and finance is not too risky a move. The purpose of education installment user funds is clear and the risks are relatively controllable.

Some industry experts pointed out that the difficulty in risk control of this type of financial business lies not with the borrowers, but with the education and training institutions.

Education itself is a career that requires ideals. A top student may have ideals at the beginning, such as scientific and technological ideals. This can be seen from the series of names of Xuebajun's parent company and affiliated companies, which makes people want to go to the clouds at every turn.

In 2019, Zhang Kailei said in an interview with Sohu Technology that Xuebajun is a refined and data-driven organization. The entrepreneurial direction mainly revolves around "massive data changing algorithm results", and the industry covers autonomous driving and medical imaging.

Of course, in the end, Zhang Kailei chose the education industry that he was most familiar with. It is not easy to live for eight years. When all online education is crazy about money-burning marketing, Xuebajun behaves relatively low-key. Although this is inseparable from Zhang Kailei's principle of using every penny wisely, it is It also reflects Xuebajun’s unfavorable financing situation.

I just don’t know how much research and development costs the academic master who claims to use his money wisely can live up to the name of cloud computing.

Today, when all technology and Internet companies are thinking about providing services, online education is desperately seeking financing, probably out of unlimited confidence in the value of the brand (yong).

After leaving institutional financing support, the real financing target of online education is actually the users who buy courses. On the eve of Xuebajun’s bankruptcy, it was still promoting Double Eleven special promotions.

The following facts prove that borrowers are indeed not a difficulty in risk control. Ordinary people who are now or will soon be under the pressure of car loans and housing loans do not want to have any stain on their credit report.

Perhaps in the eyes of these educational institutions, users with children generally have good credit. Indeed, in order to keep their credit score intact, many people will try their best to repay their loans on time even if they are unable to attend classes. As for rights protection and recovery of funds, that is a matter after maintaining the credit report.

This precise delineation of good credit groups may have won the favor of Takei Yasuo, the former richest man in Japan.

In Japan in the 1990s, no one knew Yasuo Takei. As the individual who paid the most taxes in Japan at the time, Takei Yasuo’s fortune was inseparable from consumer loans and was closely related to the bursting of Japan’s economic bubble. "If he leaves a lot of money after his death, people will think he is great." This is what he often says.

In the 1960s, grocery store boy Yasuo Takei made his first pot of gold by selling rice. A trip to the United States made him feel the development of the personal credit business in the United States. Looking at Japan, he saw a fertile vegetable field full of business opportunities.

In 1966, Takei Yasuo established "Fuji Shoji" company (later renamed Takei Fuji) in Itabashi District, Tokyo. Its main business was personal small loans.

As for loan recipients, Takei Yasuo has his own unique insights. He believes that housewives generally have better credit than men, especially those who always keep their homes in order.

In the 1970s, Takefuji fell into a public opinion crisis and was criticized for causing the individual to fall into a personal debt crisis. All this did not affect Takei Yasuo's rapid rise until he appeared on the Forbes list in the 1990s.

Tasuo Takei also has another invention that seems very advanced now: an unmanned signing machine for consumer loans (commonly known as an automatic loan machine).

In that era before smartphones, Takefuji’s own loan machines were everywhere on the streets of Japan. The operation process of the automatic loan machine is as simple as the current online loan platform: you only need to fill in some simple information and look at the camera.

The simple loan process of all lenders is just to give everyone a continuous impression of "easy money". Stimulated by Takei Yasuo and others, Japan's young people have entered a wave of unemployment. In order to reduce the proportion of bad debts, the collection language of consumer loan companies such as Takefuji always uses words such as selling kidneys.

At this time, no one remembers what credit is and just wants to survive.

Speaking of Japan’s richest man, people may be more familiar with SoftBank founder Masayoshi Son. He also became Japan’s richest man in the 1990s. It was only later that people forgot about Takei Yasuo. In his later years, he was imprisoned due to a series of eavesdropping scandals and power transactions. His company declared bankruptcy, and his descendants were involved in a long legal battle with the Japanese government over his inheritance?

Compared to For seniors like Takei Yasuo, domestic small loan companies are currently unable to fully emulate them due to various practical constraints. However, when streams merge into rivers, the whole society will ultimately have to pay for all the consequences.

The Internet has selective amnesia. They have forgotten the college students who were almost homeless when the landlord broke down the door of their long-term rental apartment during a thunderstorm.

"Later, there was a problem in Danke Apartment, did you hear about it?"

"I must have heard about it, but I no longer felt anything." Before the incident in Danke Apartment, Xiaozhuang, who once encountered a charter company running away, already showed a kind of helpless numbness when talking about these things.

In August last year, the capital chain of Chengdu charter company Chaokeyujia was broken, and the person in charge was missing. Many landlords did not receive the rent in time, and only after meeting with the tenants did they discover that Chaokeyujia blindly expanded through illegal behaviors such as high entry and low exit, long receipts and short payments, and rent loans.

Good-hearted landlords bear the loss in one fell swoop, but more landlords order tenants to move immediately.

Xiaozhuang lost 6,000 yuan in this turmoil. At that time, there were about three months before the rent contract expired. He was luckier than those who had just rented a house and encountered a rental company that ran away.

“The landlord at that time said that he was studying law and wanted to forcefully take over the house. He said that this was a dispute between me and the leasing company and asked me to resolve it myself. But I also had him and me on my hands. The entrustment agreement signed by the leasing company."

In the end, Xiaozhuang and the landlord went to the police station for mediation, but the landlord still refused to bear any losses.

"I was too lazy to argue with him later, so I just spent money to buy a lesson and lost a month's salary." Xiaozhuang no longer cares where the money went. In short, it was all in vain.

"Then you moved out early. Where did you move to?"

"Because I was in a hurry, I randomly found an agent in a nearby community. The contract was with the landlord. Signed."

Xiaozhuang revealed that maybe he was unlucky and had to rush to find a house. The subsequent landlord was also hard to explain, but he would never do such a thing again.

“You will never look for a charter company again in the future, right?”

“A charter company will definitely not be your first choice.

"Xiaozhuang was silent for a while, and then said: "But, what happens in the future?" She said no more.

The long-term rental apartment operator gets one year's money at a time, and then transfers this "rental money" "Loans" are leveraged to acquire more properties, thereby achieving leveraged expansion. If there is a problem in any of these links, the leverage will burst.

To this day, we still have no way of knowing. Where did the long-term rental apartments that built their own capital pool spend their money? In contrast, those that chose to cooperate with Internet banks (or other lending institutions) were better able to trace the source last year. At the end of the year, after the Danke Rental Loan incident broke out, financial partner WeBank took the lead in expressing its hope to help resolve leasing disputes and announced that tenants’ credit reports would not be affected until at least March 31, 2021.

With the support of many peers, WeBank has gained a wave of goodwill, but we cannot always expect any one of the tenants, landlords and financial institutions to bear all the responsibilities.

Promulgation of regulations for long-term rental apartments. Taking Beijing as an example, the Beijing Municipal Housing and Urban-Rural Development Commission recently directly stipulated that "rent loan" funds applied by institutional tenants cannot be allocated to housing rental companies, but can only be allocated to individuals.

Chengdu’s new regulations show that tenants who pay rent to housing leasing companies for more than three months must be deposited into a regulatory account. Among them, the funds obtained from rental loans need to be agreed between the housing leasing company and the lessee and the lending institution. Transferred to a regulatory account.

The brutal expansion model of long-term rental apartments has temporarily fallen into silence, and the investigation and punishment of prohibiting consumer loans from flowing into the real estate market will continue to be tightened and the supervision will continue to strengthen and guide. However, there is no ceiling to human desires.

Consumer loans are consumer loans with a fixed purpose for individual borrowers. Most of them have the nature of cash loans in the hands of the platform. The best part is that. The problem is that the debtor in this debt relationship is not yourself.

Looking back at medical loans, education loans and rental loans, in most cases the funds are directly transferred into the platform account without being handled by the individual. The loan is obtained before consumption, but the subsequent services are not guaranteed.

Tenants with a housing entrustment agreement have no way to refuse to move when the landlord evicts them; those who are not satisfied with the medical beauty project. Customers may be at a loss when facing a team that specializes in resolving so-called medical disputes; parents of students with free online classes don’t know where to take the next class.

Theoretically, as long as the platform. If the funds are earmarked, the risk will be relatively small. However, the appearance of consumer loans varies depending on the industry and different people. Some people illegally absorb deposits, while others operate illegally to withdraw cash. In the early years, POS machines and credit cards evolved. Today it has become Huabei and Baitiao cash-out.

Usually, after consumers purchase goods with consumer loan products on e-commerce platforms, sellers will receive the money before (or even immediately) the consumer repays. , which also gives some people a gap to use consumer loans to cash out.

But for some people, the pitiful amounts of Huabei and Baitiao cannot get much cash. After spending the limited amount, they will switch to cash loan products without stopping, and these products are the same in their eyes. There is no difference between consumer loans and cash loans.

“Money is a good thing, especially when it passes through your hands.”

“At first, I was asked to borrow it, but then it became Meituan, Baidu and what else? I forgot, she pushed me several platforms at once."

"I was a little worried about her, but after receiving a reminder call, I didn't want to worry about it anymore."

"Fortunately, my ID card information was not used." This may be the only lucky thing.

People who take out loans may not necessarily think about whether they can repay it, and lending institutions may not think about whether they can bear the loss.

They have only tasted the benefits of money.

The title picture comes from Unsplash, based on the CC0 protocol. Related questions and answers: What is consumer finance? Consumer finance is not a loan platform. It refers to a financial service that provides consumer loans to consumers from all walks of life. Way.

Consumer finance companies are non-bank financial institutions established with the approval of the China Banking and Insurance Regulatory Commission to provide loans for consumption purposes to individual residents in China. For example, Home Credit Consumer Finance, Immediate Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance, Shanxi Merchants Consumer Finance, etc., as well as Du Xiaoman Finance, Suning Finance, JD Finance, etc. Customers can go to the above-mentioned consumer financial institutions to apply for loans. Generally, as long as their personal credit is good and they have sufficient repayment ability, they can successfully borrow money. In addition, some consumer finance companies cooperate with other loan platforms and can also act as lenders to issue loan funds. Everyone needs to be careful not to borrow money from unknown small loan companies. After all, it has not been approved by the China Banking Regulatory Commission. It is easy to encounter loan fraudsters or loan sharks and fall into loan scams, resulting in personal financial losses. : Traditional consumer finance (CF) is a modern financial service method that provides consumer loans to consumers from all walks of life. Whether from the perspective of financial product innovation or expansion of domestic demand, consumer finance pilots are of positive significance. Under my country's current macroeconomic situation, the timely introduction of relevant management measures is in line with the trends and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. The establishment of a professional personal consumption finance system can better serve individual residents. A loan (electronic IOU credit loan) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."