Don't look for anything, especially all kinds of online loans, most of which are information, and others are basically gadgets. If you go up, you will be cheated.

All kinds of online loans and quotas to help you go through the formalities are fake and true.

Don't think about borrowing money to live, it's not a way of life.

The biggest question is, what do you want in the future? If you don't even have flowers at ordinary times, what will you pay later, and will there be interest?

Second, where does the online loan company's money come from? Why do so many people still have no money to release them? Is the money of the online loan company borrowed from the bank?

What you can see is only an individual phenomenon after all, and the company will definitely use all means to recover the arrears.

Moreover, more users of online lending companies are still paying back money seriously every month, so that online lending companies can earn interest.

Third, online lending companies know that someone borrows money and does not pay it back. Why did they lend it out?

In fact, this involves a mathematical problem of profit rate and bad debt rate, because I usually have to answer my friends' questions about this. So I also made many friends in this field. In fact, I personally communicated with friends of online loan companies in private. I know some people borrow money and don't pay it back, but why do they borrow money?

According to my communication with these friends, I got the following answers, which I can share with you.

1. The profit of the online lending platform is very high, even it can be said to be profiteering, so if you want to get these profiteering, you can only keep borrowing.

Now whether it is online loans or loans from offline banks and financial companies. They all rely on personal credit big data. In principle, as long as there is no problem with personal big data, other qualifications of individuals also meet the requirements of lenders. They must want to borrow money. As for who will borrow money and not pay it back, this is another question. After all, whether it is personal credit records or online loan big data, we can only look at the borrower's past loan and repayment records and the current risk index. It is absolutely impossible to accurately predict whether this person will borrow money.

2. The bad debt rate is not as high as expected.

A few days ago, I just talked to my friends in the industry about the bad debt rate. They told me that in fact, most platforms can also say that the bad debt rate of a slightly formal platform is actually not as high as many online exposures. In fact, people are alive, and they don't want to bear the title of Lao Lai unless they have to. Whether it's a loan or a formal loan. Their original intention is to solve the immediate difficulties and repay them later.

3. Mathematical problems about profit rate and bad debt rate.

This is the theme. Because everyone knows that the interest rates of most online loans are very high, it can also be said that the return on capital investment of online lending platforms is very high. Therefore, for high-return online loans, they can still make money as long as their bad debt rate is within a reasonable range. As I said in the second point, in fact, the bad debt rate is not that high. They can't predict whether the applicant will borrow money. Therefore, for high profits, they will still borrow money. A friend of mine from an online lending platform told me that they have already released a loan of 10, and only need to recover 80%. You can basically make money. And the bad debt rate is below 20%. So as long as they borrow money, they are sure to make money.

In short, it can also be said that whether to borrow money or not is a question of personal moral data. I think any big data provider can only provide the borrower's risk data, but can't fully predict whether this person can borrow money. Of course, if you have other different opinions, please discuss them in the message area.

They have risk control departments and actuaries!

After all, there are several bad debts in the dormant account, and the money is released by the P2P financial manager. Isn't the staff in them arrogant to say that they are not short of money? Every month, many owners send hundreds of thousands, millions and tens of millions! So those executives are good cars and houses, and the high interest rate beyond the national standard is to give bonuses to those employees. .

I hope that everyone will encounter this kind of routine loan and dare to fight back informally! ! Television stations, police stations, China Banking Regulatory Commission and lawyers use all legal means to protect their legitimate rights and interests! ! !

In fact, people who make loans have their own risk control system, which is the non-performing rate. What you said about people who don't pay back the money is a bad proportion, as long as the profit can be guaranteed within a range.

For example, a platform with 7 14 bandwidth lends the principal 1500. Customer gets 1200. Seven days' interest. If the customer fails to repay the loan on time, the loan company can receive 1530 minus 1200.330, which is generated by the customer. If the customer doesn't pay back the money.

Wait for the country to clean them up! expect

Robbing people's houses in the name of loans.

The loan company sounds like a blackmail company.

Because of Chinese families, children don't pay back the money or ignore this matter. Looking for parents and selling iron in the frying pan will solve this problem. Most families are like this, and so is my brother, but they don't accumulate much. They are used to it. Anyway, parents pay back the money, parents buy a house, parents buy a car and so on. I don't know what to say. I found that this kind of thing is basically rural children after 1995 (urban and rural) and before 1995. There are still big problems in Chinese education. There are too many social temptations and fierce competition. The money they earn is often not enough for their own consumption. Moonlight people are very good and self-sufficient. Those who pay wages are often borrowed at the end of the month. It's too easy to borrow money online. The older generation borrowed money with interest, but often failed to pay it back. Then they need a guarantor or mortgage, otherwise they can't borrow it. Look how easy it is to borrow money everywhere now, just like a snowball rolling bigger and bigger. Finally, the old man took on the debt of his children, and their children died, regardless, leaving only sadness.

This is very simple

You are in a hurry to use money now, ask me to borrow it. I lend you 100, and you pay me back in three days 150. If you don't pay back the money after three days, you will pay 5% interest every day! We agreed that I would pay you the money.

Zhang San, Li Si, Wang Wu, Liu Zhao, Chi WU and Chen Ba are all like you. They are all in a hurry to use money, and they all borrowed it from me. I gave them the same terms as you.

Three days later, Zhang San, Li Si and Wang Wu honestly returned the money to me. My total income is 450, and my intermediate cost is 2 10. From the three of them, I made a net profit of 240 pounds.

You should understand when you see this. Although there are still three of you who haven't paid back the money, I think the total capital is back, and I earned 30 yuan.

Well, since I want to do this, I will pretend that I am not a good person. In fact, I don't think anyone who can open an online loan company is a good person.

I asked you for money, you said no, wait a few days! Listen, we can talk easily, so wait three days. The three of them, like you, have no money and have to wait for three days. Let's do the math.

150 How much is the interest for three days?

The first day1501500.05 =157.5

The next day,157.5438+057.50.05 =165.375.

On the third day,165.438+065.3750.05 =173.50000.00000000005

Three days later, Liu Zhao couldn't take it anymore. Give me my money back. This 170 yuan plus former 30 yuan is my net profit.

There are three of you left, and you can't afford it yet. Chandler, I won't be angry with you either. I outsource directly to the collection company, I take 30%, and the rest belongs to them, and the interest is still superimposed day by day.

On the fourth day,173.438+073.555050.05 =182.199000005.

Day 5:182 5438+082.3250.05 =195438+0.4438+0.

Day 6191.44191.4410.05 = 201.0/3.

Well, due to a series of obscene operations such as calling the company every day and threatening to go to the door, Wu Chenqiba can't stand it anymore. Pay me back. How much did I get?

20 12=40230%= 120.6

Ha ha laugh

How much did I earn in six days? 17030 120=320

As for you? I never even thought about it.

Let those hooligans who collect money violently play with you slowly. As for the money you said you owed me?

Do you want it or not? !

Anyway, your life is ruined! ! !

Are you dead or alive? Is your family threatened and harassed?

None of my business! !

The above data is just an example, and does not represent the real situation! ! !

Online lending is risky! ! ! Be careful with the loan! ! !

Because there are few real overdue payments, many "black households" will also pay in order to balance the profit rate and bad debt rate.

The money of the online loan company is provided by the gold owner. Some of the history of the gold master's father can't be made public. There must be a source. Of course, lending is a good choice, and sometimes it can make a fortune.

Especially those small companies that lend illegally, debt collection is not generally black, and there are so many means to scare you to death!

Moreover, many online lending companies have obtained the first-hand information of many customers through lending. They stole a lot of illegal things by reselling them. They are not afraid that you will not pay back the money. In the state of high interest, there are so many lending companies, and there are also many people who don't have money to spend, and they all get what they need!