P2P online lending institutions have almost been cleaned up, and only some enterprises with scale, license and background strength are left in the market to do this. However, at this juncture, JD Finance has come out to continue to release this kind of induced lending advertising video, not to mention the problem of lending itself. Looking at its video content carefully is not only a question of values, but also involves many problems.
1. A man in camouflage clothes turned to the flight attendant for help because his mother was sick, hoping to open the window or change seats. At this time, flight attendants come not only to solve the problem, but also to upgrade, which means that upgrading will provide better service. The potential route is that you can't solve the problem without upgrading. Observing the man in camouflage, we can see that he is an ordinary friend of workers and peasants. The subtext of this video is that the bottom people have no money. There is a major problem here, that is, discrimination against friends of workers, peasants and soldiers at the bottom. In this case, the flight attendants did not provide any services and did not solve the problem. But take the opportunity to ask the people at the bottom to upgrade. Is this a question of values? This is naked blackmail.
2. A man in a suit and tie, whose subtext is success and money, appeared at this time and said, I'll pay the money, but you really paid it. As a result, he got the camouflage man's mobile phone and borrowed150 thousand, which is called a low-interest brand. Don't you have to pay? Not only did you not pay it back, but you also took a loan to this family. Is this what you, a successful man in a suit and tie, do? If you have the ability to contribute to society, please show your sincerity. Is your sincerity to help others borrow money? I don't know if this is a satire on rich and successful people or what to do. Anyway, it's a chicken feather.
This video is even more striking. The takeaway brother saved the chairman, and the chairman opened JD.COM gold bars to repay him. I really admire JD. The brain circuit of COM. You are pushing the rescuer into a fire pit. This is a claim that bite the hand that feeds you. Did the takeaway brother owe your family in his last life or something? He always borrows money, you have to pay interest!
Obviously, we know the original intention of JD Finance to release these two videos, that is, to lend money to JD.COM for free, and we have a low interest rate, a big brand and strong reliability, and they don't care about the meaning conveyed by the videos themselves. Many people who don't know the situation have seen it. After borrowing money, they found that the so-called interest of 1 10,000 yuan is 1.9, which is misleading, and the minimum interest is 1.9. If you really want to borrow money, you can't get the lowest interest. For example, if you buy a car, you can pay a minimum of 500 yuan a month, but in fact you may have to pay thousands, because this is an advertisement.
The huge benefits of online lending platforms have made many companies take risks and even scratch the ball to attract the attention of the audience. On the surface, these two videos are about value induction. In fact, I think they do whatever it takes for the huge loan interest, and the disorderly expansion of capital is just a dirty trick. The capital behind them still dares to make and disseminate these videos so crazily and shamelessly in order to gain profits, even when the country cracked down on illegal peer-to-peer lending and rectified the P2P platform. This is the biggest problem in itself.
A friend said, if apologies are useful, why do you need laws? I think it is because many enterprises have nothing to hide, and they dare to be so unscrupulous when they make mistakes. The cost of making mistakes is so low that the public becomes your plaything. Therefore, the author believes that if we regard shooting video as our own enterprise, we should not only apologize, but also investigate its related responsibilities, not only the problem of guiding values, but also many problems such as discriminating against the bottom and inducing loans. We will wait and see what will happen in the future.