On December 1, the Office of the Leading Group for Special Remediation of Internet Financial Risks of the Central Bank and the Office of the Leading Group for Special Remediation of P2P Online Loan Risks of the China Banking Regulatory Commission jointly issued the Notice on Standardizing and Rectifying the Cash Loan Business. "Cash loan" is a kind of business in the current consumer finance market, and its outstanding characteristics are "no scene to rely on, no designated purpose, no customer group limit and no mortgage". Some insiders believe that the release of the "Notice" means that the supervision "boots" of "cash loans" have landed.
However, in the current consumer finance market, there are still many microfinance businesses with "scenes to rely on and designated purposes", such as the beauty staging business "beauty loan" jointly launched by beauty institutions and loan platforms, and its problems and risks cannot be underestimated.
□ Our reporter Du Xiao
□ Intern Zhang Xichen of this newspaper
In recent years, internet finance has developed rapidly, and various forms of loans have emerged one after another, among which "beauty loan" is one.
The reporter learned in the interview that some beauty hospitals cooperate with third parties to provide personal credit loans. When consumers consult in beauty institutions, if they are short of money, the consultant will recommend credit loans as a payment method. "Beauty Loan" is mainly aimed at students who love beauty but lack money. However, due to the cooperative relationship between beauty institutions and internet financial platforms, and the random process of loan issuance, there are hidden financial risks.
Online lending platform is resident in beauty institutions to do business.
Recently, the reporter of Legal Daily walked into a plastic surgery hospital in Haidian District, Beijing as a consultant.
After learning that the reporter didn’t make an appointment, the receptionist asked for the name and consulting project. After the reporter indicated that he wanted to consult about eye plastic surgery, the staff led the reporter into a room near the front desk to fill out the form. After waiting for about two minutes, the reporter was taken to the consulting room on the third floor.
A doctor received the reporter. The reporter said that he wanted to make a double eyelid and eliminate the wrinkles on his head. The doctor diagnosed the reporter’s situation and explained to the reporter why some people’s eyes don’t look big and the reasons for the formation of head lines. In the meantime, the doctor repeatedly took out his mobile phone to show reporters similar surgical cases.
After that, the doctor began to make plans for reporters.
"The first step is to cut a double eyelid and correct the upper eyelid muscle weakness at the same time. After a week of recovery, I will almost do the second step, playing botulinum toxin and hyaluronic acid, filling my forehead and diluting fine lines. " The doctor said that in the first step, general doctors need about 15,000 yuan for surgery and 20,000 yuan for expert surgery. Botulinum toxin and hyaluronic acid hit South Korea, which is almost 10,000 yuan.
The reporter said that the price was a bit expensive and asked if there was any discount. The doctor said that she can get a 25% discount if she is engaged in activities now. She also has a better preferential activity, which is to give 20,000 yuan for 30,000 yuan. The reporter said that he could not get 30,000 yuan at one time.
"If you have no money, you can get a loan. We can do it in installments here." The doctor said, "We have cooperation with Internet finance companies and don’t charge any fees and interest. You see, your 30,000 yuan will be repaid in 12 months, only 2,500 yuan per month. "
When the reporter asked what procedures were needed for the loan, the doctor said, "It’s very simple. Just take an ID card, a real-name mobile phone number and a bank card, preferably from a big bank. You take a photo with your ID card at our hospital brand, and a special person will operate it for you. "
The doctor also said that after the loan is successful, surgery can be performed.
The reporter further asked about the whereabouts of the loan, and the doctor said that the money would go directly to the hospital account.
"As long as there is no problem with credit, you can generally apply for it. No more, you can change to another one. " The doctor said.
The reporter further learned that this beauty hospital has cooperation with three Internet loan platforms.
Seeing the reporter was still hesitant. The doctor took out his mobile phone, opened WeChat and showed the reporter one of the groups: "The people in this group are all in stages, and they will repay every month. These are all paid by the merchants without any interest."
The doctor also introduced the staff of an Internet financial platform to the reporter. The reporter saw that the Internet financial platform has special staff in the hospital. If someone wants to borrow money, they will make a loan operation.
"This activity will be gone in a few days. I suggest you pay the 500 yuan deposit first." The doctor said.
Subsequently, the reporter left the plastic surgery hospital for an excuse.
"Beauty loan" intermediary is mixed.
Everyone has a love of beauty. The industry predicts that the medical beauty market will exceed $850 billion by 2018. Such a large market scale has made some loan apps flock in.
The reporter downloaded an App to experience it.
Open the interface of this App and display "Please scan the QR code provided by the therapist". In addition, there is no other interface. Click Back to return to the login interface. This seems to be an App specially designed for beauty loans.
Subsequently, the reporter searched for "beauty loan" on the Internet, and the content obtained was even more dazzling.
The reporter entered a forum called "Beauty Loan", which contained many posts similar to "Beauty Loan for Big boss", "Beauty Loan, 3-minute Lending", "Beauty Loan, Getting Money, Recruiting Reliable Intermediary" and so on.
The reporter added the WeChat of a poster in the post bar in the name of an intermediary.
The poster serves an internet financial platform. He posts in different forums and recruits intermediaries.
After the reporter added the other party’s WeChat to show his intention, the poster immediately sent his mobile phone number and asked for telephone contact.
The reporter dialed the phone number of the poster, indicating that he wanted to be a "beauty loan" intermediary and had some good customers.
The other party said, "The mobile phone has been in real-name registration system for more than half a year, and the Alipay sesame score is above 580, and the pure white household is above 550. Don’t worry about anything else, just give me someone here. "
The poster also said that he only needs to send the customer information to him. After the transaction is successful, the cashback point is 60. In addition, loans can also be made to "black households" who have serious dishonesty, "ignoring all kinds of black and white".
The reporter noticed that similar "beauty loan" recruitment intermediary information can be seen everywhere on the Internet. The reporter joined a QQ group with the theme of "beauty loan" cooperation through search. In the group, the group owner sends the latest loan information every day.
The reporter learned in the group that only women can apply for "beauty loans" and must speak Mandarin, aged between 18 and 35. The applicant’s Alipay score is above 580, and he has a real-name registration system mobile phone card that has been used for more than 3 months. Bring your smart phone and ID card and the bank card of any bank of ICBC, Agricultural Bank of China and China Construction Bank to Changsha for processing. They provide round-trip fares and accommodation. The group owner said that they can operate on 13 platforms at the same time, and the pass rate is very high.
In addition, all kinds of intermediaries are also "activists" in the "beauty loan" market. The reporter found that the "beauty loan" intermediary can get a commission of 65% of the loan amount. These intermediaries cooperate with beauty agencies to get what they need.
Cartography/Li Xiaojun