In the eyes of the algorithm, young people should borrow money for the New Year

This Spring Festival, the holidays of many spiritual boys were directly ruined by Internet finance companies, and the algorithm determined that they needed to borrow money.

Before the Spring Festival, a young man who had just graduated from the IQ Tax Research Center received a loan call from Jingdong Finance. On the phone, the salesman was like a kind old friend, and asked him with concern: "New Year's Day, is there enough money, do you need to borrow a little from you?" ”

The guy wondered at the time, how did you decide I needed to borrow money? Who do you look down on?

Subsequently, within a few days, the 360 financial assassination incident broke out, once again pushing Internet finance to the cusp of the storm.

The IQ Tax Research Center later discovered through a series of surveys and inquiries that during the entire Spring Festival, there was a group of young people identified by the algorithm who had been living in telephone harassment, and they were always asked whether you wanted to borrow money.

Is this money really easy to borrow?

Internet finance accompanies you through the New Year

Coincidentally, during the Chinese New Year, Xiaobian's friend Zhang San (pseudonym) also received a call to promote loan products.

On the phone, the other party first stated that he was from 360, and then, in a professional and kind tone, said that the company launched a credit loan with a monthly interest rate of as low as six thousandths, with a limited amount, and if needed, it could assist in the application.

Hearing this, Zhang San was somewhat shocked, some delighted, some touched, and some doubtful.

The shock is because the interest rate of this credit loan is indeed very low; the joy is because this product is known to himself and picked up a big bargain; he is moved because there are strangers who have never met before, silently caring about himself; he suspects that it is because of such a good thing, how can he let himself catch up?

Therefore, Zhang San, who was full of doubts, asked the other party one more sentence: Such a good thing, why did I catch up?

When the other party heard this, he first let out a mysterious laugh. Subsequently, he solemnly told Zhang San: Because through the big data background screening, it was found that you are a high-quality user of our company, and you can open permissions for you to borrow the money with the highest amount and the lowest interest.

The recommendation of high-quality loan products just now is enough to make people feel like a spring breeze; the current high-quality user statements are even more exciting.

Zhang San, who was suddenly wrapped in sweet words, was eager to immediately take out his mobile phone, use his fingers to download the App, fill in his relevant information, get out the money that people had prepared for himself long ago, and experience the life of a simple and boring rich man.

However, just when Zhang San was about to download the app, a question suddenly flashed in his mind: I am not short of money. This money is in my hands, nothing to use.

When Zhang San expressed his doubts to the loan salesman on the other end of the phone, the other party immediately put on a preachy posture and told him: Everyone lacks money, and he feels that he is not short of money because his requirements are too low; at the same time, even if there is really no shortage of money now, he can lend out the money first and stay around just in case.

Zhang San originally thought that the call was just a sales call, but he did not expect it to become a philosophy lecture hall; he thought that it was Xiao Fang and Xiao Li who were talking to him, but he did not expect that it was Socrates. Moreover, even if socrates really came, under the continuous lobbying of the other party, it was estimated that there was no bottom in his heart at this moment.

Hanging up the phone, Zhang San immediately launched an investigation into the matter. The survey learned that the current Internet financial platform is very keen on the credit loan business, and those single young men who have graduated not long ago and have a salary in the middle of the salary level have become the most harassed people; and during the Spring Festival, it has become the busiest time for this business.

However, if you do borrow money, you will most likely be greeted by a high-interest loan; and once you can't pay it back, your life will be completely disrupted.

Several major genres of the collection industry

Last month, the famous Internet company 360, in a bloody posture, made it into the hot search.

A man who was deeply involved in a loan dispute on the 360 IOU platform stabbed the 360 employee after negotiating with an employee in the 360 Chengdu office because of the unsuccessful negotiation of the loan overdue problem.

The injured were lucky not to be killed, and the injured were quickly taken away by the police. However, countless melon-eating masses have stared at the screen with wide and curious eyes: How did 360, who has thick eyebrows and big eyes, also started the business of lending? Can force people to draw knives at each other, 360 How much hatred is pulled?

On Zhihu, there was a collection video of 360 IOUs that was spread wildly by netizens.

In the video, a collector of 360 IOUs calls the borrower, and when he learns that the borrower is really unable to repay, he suddenly transforms into a rampage fighter and roars at the borrower on the phone like a lion in Hedong.

However, if the other party is just verbally harassing you and your family on the phone, then this little pain is still the lightest punishment for you. Some collectors, even after the borrower is really unable to repay the loan, become the general Rommel who likes to visit the front-line battlefield, and lead his men to launch a physical charge against you.

At that point, your tires may be punctured by nails for no reason, your door may suddenly be splashed with a layer of paint, and your own family may also be secretly followed.

On the black cat complaint platform, there are many complaints about collection disputes, and Internet finance companies such as JD Finance, 360 IOUs, and even Alipay are on the list.

And these violent collection behaviors are also divided into several major genres, which makes people overwhelmed.

Among them, harassment is the most common and the most common. Some of them work non-stop throughout the day, bombarding you and your family and friends with phone calls and text messages; some come to your house during breaks to visit you, just to affect your normal life.

Compared with the harassers, the insulting and intimidating factions will also make phone calls and door-to-door visits, but their purpose is not to harass you, but to threaten you. Some insulting and intimidating factions will not have direct contact with you, but will poke and poke behind your back, and the above-mentioned tyres and paint are the masterpieces of this faction.

The first two factions, although disgusting, at least did not harm their lives, while the interned beaters had no scruples. In the eyes of the detainers and beaters, illegal detention, beatings, and other illegal acts are just appetizers; more serious ones, they will even directly take people's lives and commit horrific crimes.

These Internet companies, which look polite and geeky, have transformed themselves under the stimulation of interests and transformed into social big brothers with "big watches with gold chains and three small barbecues a day". When you borrow money and can't repay it, they will hold you with their broad palms and nag you socially.

Collection is good in front of scammers

Violent collection is bad enough, but some people behave even worse. In the name of Internet finance, they are doing swaggering and deception. You thought they were girls with wings, but you didn't expect them to be crooks in vests.

A netizen who knew about it shared his experience of being deceived: a salesman who claimed to be Jingdong Finance suddenly called her one day and accurately said her name, ID number and school.

Hearing that the salesman was so familiar with his own information, the netizen quickly unloaded his defenses, and since then there has been no armor, and his body is full of weaknesses.

Subsequently, the other party asked her to cancel the Jingdong financial account on the grounds of responding to the call of the national policy, so as not to affect the personal credit report. However, before you can cancel, you need to transfer the money in the account to another designated account.

Seeing this, many people may already feel that something is wrong. However, under the language offensive of the other party, this netizen has long become a silly white sweet and has lost all vigilance.

She did not hesitate to add the other party's QQ, and then under the guidance of the other party, she transferred all the money in the account step by step. And the so-called salesman, in the first time after receiving the money, smeared oil on the soles of his feet - slipped away.

In the comments section of this post, JD Finance officials personally went down, saying that this behavior is a fraud.

About the scam of Internet finance, of course, there are more than that. Many of today's scammers have played new tricks with deception. Internet financial fraud has long been a group of heroes and sects.

Among these jianghu sects, there are consumption rebate factions, blockchain wallet factions, casino code washing factions, foreign exchange copy factions, original stock factions, routine loan factions, pig killing tray factions, etc., and the factions are harmful to seize wealth and factions.

As long as you encounter one of these strange and chaotic jianghu sects, the light can be a year in vain, and the heavy will be ruined. At that point, even Shawshank's uncle won't be able to redeem you from Shawshank.

When you look at the empty balance in your account, I am afraid that you can only say like the supreme treasure in "Journey to the West": "There was once a million in front of me, I did not cherish it, and I will regret it when I lose it." There is nothing more painful in the world than this, and if I were given another chance, I would say two words to the liar, 'Get out'! If I had to add a deadline, I would like to say ten thousand years! ”

Manipulating human nature is born only by asking for money

Although there are many lending products at present, there are many routines and problems. However, they do not lack customers, and their business is very good.

The reason for this is that today's financial companies have reached the pinnacle of human nature.

First of all, the wide application of big data has realized the accurate delivery of loans. Under big data, a person's economic strength, income level, hobbies, and consumption habits can be clearly recorded. Your lover may not know if you have money, but big data must know; your parents may not know whether you are short of money, but big data must know.

The effective use of big data allows financial companies to reduce the cost of risk assessment and reduce the risk of bad loan debts. In the face of big data, all our information is in control; in the face of big data, each of us is almost naked.

Secondly, the overwhelming advertising conveys to users the misconception that "borrowing money is cool for a while, and borrowing money has always been cool". Nowadays, people see loan ads everywhere they go. After watching for a long time, it is inevitable that you will not be moved, and then the heart is not as good as the action, the action leads to the impulse, and finally sings Daolang's "Impulsive Punishment" alone.

At the same time, with the popularity of Internet products, lending procedures have become more convenient and faster, and objectively promoted people's use of their financial products. "Move your fingers, one second to the account" has become the advertising slogan of many financial companies, people who see such a description, it is difficult to control their excited hearts, trembling hands, to click on the link, measure the amount.

Finally, the abundance of money in many companies today has become an incentive for them to devote themselves to finance. Benefiting from the dividends of the big times, many enterprises in the mainland have developed rapidly, and a large amount of idle funds have accumulated on their accounts. If these funds are used for scientific and technological research and development and market expansion, the effect is not yet known; but if they are used for financial investment, the return is considerable.

As a result, in order to make the financial report look good, in order to give shareholders and employees an explanation, many companies have done financial business with great fanfare, but instead they have wrapped a layer of tape on the company's future development space.

Of course, credit products are popular because young people really need them.

Nowadays, many young people who have just entered the society do not earn much, but they spend a lot. Renting a house, eating, transporting, dressing up, each of these costs a lot. And such excessive consumption also makes many young people's hands tighter than the trouser belt.

At the same time, the concept of consumerism prevails today, and it is not called a skill to make money, but a skill to spend money. Many people follow the principle of "spending money for a while, spending money all the time", spending their earned money cleanly; making their pockets cleaner than their faces.

In order to satisfy the ever-expanding desire to consume, we planned to "spend tomorrow's money and do today's things"; but we never expected that after borrowing money, every day would be a thing.

Perhaps, we young people should live within our means in terms of consumption behavior and continue to improve in the income level. In that case, if during the New Year, someone calls to promote loans, we can calmly ask each other: "Lack of money, do you need me to borrow a little from you?" ”