1. beijing business today reporter today consulted a loan intermediary as a loan user. According to the requirements of the loan intermediary, he provided a number of information such as name, mobile phone number, sesame score, the number of people in the address book, and whether the mobile phone number calls normally every day. The loan intermediary gave a "yes" answer. Subsequently, the aforementioned loan intermediary directly pointed out that "private lending platform, with a score of 50%, will pay back the money after the next payment, with no credit information, no data, no repayment, and free address book protection after payment. Is it acceptable? " In further communication with the loan intermediary, beijing business today reporter learned today that "50% of the loan point" refers to drawing 50% of the commission according to the actual loan amount, and "repayment" refers to paying the commission to the loan intermediary.
2. Regarding the question raised by beijing business today reporter today about how to determine the loan amount and what risks there are, the intermediary said that Heikouzi ("private lending platform") does not check the credit information, but depends on the user's phone number. The more phone records, the more users of the address book, and the smoother the loan. At the same time, the amount of black holes is low, mostly concentrated between 1.000 yuan and 1.600 yuan. "We have mastered more than 1000 black holes and can slowly provide them to users." According to the information of "successful cases" presented by the intermediary to beijing business today reporter today, the platforms provided by the intermediary to users are all super anti-aircraft gun platforms, and the amount actually received by users is 1 100 yuan, and the amount to be repaid displayed on the platform is 1500 yuan. According to the requirements, the user should repay the loan in full on the third day after borrowing.
Third, "this kind of anti-aircraft gun product does not need to be repaid, as long as it is willing to do it, it is' paying wages'", the loan agent joked. The loan intermediary also stressed that they have professionals to work with users, and only after the users confirm the loan will they put the product link on their platform and provide it to users. If there are no users, they will remove the link according to the address book protection function provided. The loan agent said frankly that any "explosion-proof" product (to prevent the address book from being exploded) can't be 100% "explosion-proof" and will definitely urge some friends in the address book to repay.
Fourth, for the seemingly "welfare product" of black household loans, Yu Baicheng, president of the Zero One Research Institute, said that there is no free lunch in the world. In the whole process, the borrower is a non-professional and poses the greatest risk to the borrower. Even if the interest rate of private lending is high, the loan agreement still exists, and the law does not recognize that the loan does not need to be repaid. If the information is forged, borrowers and intermediaries are also involved in the problem of fraudulent loans.