#头条创作挑战赛#
Can Alipay's mutual treasure be refunded? With the People's Bank of China, a number of financial institutions such as Alipay were issued fines and required to make rectifications.
As this notice was reported in the news media, I also followed up with an article, and the People's Bank of China issued a document announcing that the punishment against Ant Group had settled, and the fine (including confiscation of illegal gains) was as high as 7.123 billion yuan. At the same time, the article mentions that "Ant Group is required to shut down the 'mutual treasure' business carried out in violation of the law and compensate consumers according to law." The rest will not be too much to say.
Many netizens left comments about mutual treasure under my article. I also took a screenshot to see if my friends' messages can get your support?
I myself participated in Alipay Mutual Treasure, because the cost I bore at the beginning can be said to be free first, and then pay the flat fee, the amount is very small, it can be said to be insignificant. As the number of participants increases and time goes on, the deductions for mutual insurance are increasing. Some netizens left messages in the comment column saying that many of them were deducted several hundred yuan a month.
Alipay users who participate in the mutual treasure program will be charged as little as tens of yuan, and as many as hundreds to thousands of yuan. With the announcement of Alipay that year: the mutual treasure business stopped, there was no follow-up. This may be the so-called merchant has the final right of interpretation, and the fees deducted by the participating people will not be refunded.
With the news of the mutual treasure refund this time, many people who have paid the fee have also expressed their own remarks on the news about the violation of mutual treasure Alipay. As a financial institution, Alipay, the ultimate purpose of carrying out mutual insurance business is to make a profit. This is the original intention of financial institutions to do business. Instead of various marketing terms when promoting business.
And some netizens' comments on mutual treasure can be said to be to the point, and there are finally sober people in the world. Do you recognize the comments of these netizens in the picture?
Let's take a look at the whole process of asking customer service in Alipay and asking for a refund from Huobao.
First click on the Alipay customer service page, at this time it should be an AI intelligent robot that communicates with you, and I entered the human customer service. After the intelligent customer service is recognized, it will immediately push me a new transfer manual customer service page.
Click the push page to connect with the live customer service. I directly asked the manual customer service for mutual treasure refund, and the customer service statement was to see the country-related report.
The customer service said to inquire, let me wait patiently, and I also responded that I would wait.
The customer service first made it clear that the amount historically apportioned by the members cannot be refunded. I once again announced to the customer service that I saw the news released by the People's Bank of China and the state, that the mutual treasure business violated the law, and that it was necessary to refund the money of the members involved in the mutual treasure. And ask the customer service: Is there an error in the news report released by the state?
And the answer of the customer service can be seen that it is playing tai chi. It said that they have received a rectification notice from the national financial management department and shut down the mutual insurance business. (I think few people saw this notice back then, they should have just known that the mutual treasure business was closed, not due to violations and the like.) Now the customer service only accepts business problems and compliance issues, it is recommended to refer to the relevant notices. He also said that he had enjoyed the protection and rights of mutual insurance when participating in mutual insurance. (For this explanation, did those members who participated in mutual insurance agree with it?)
Then the customer service told me in text that Huobao helped 205337 users that year, and said that all the mutual aid funds raised by Mutual Aid were used to help sick members. It can be seen that we actually have many mini programs similar to donations in Alipay, which can make every participating user have a sense of pride and dedicate a love, which I recognize. Alipay is also playing the emotional card.
I don't have much to do with it on these issues. And again asked the customer service whether it was possible to refund. And the customer service also made it clear that it was impossible to refund, and I wanted my understanding.
And said that let me pay attention to Ant Group's WeChat account, that is, now Ant Group does not have any measures and announcements on the mutual guarantee refund.
But I was thinking that since the national financial supervision department has issued a notice and has determined that mutual insurance is a business that is illegal, can the business that violates the law not be refunded?
Once again, a piece of advice to those members who have participated in the Alipay mutual treasure business: go open your Alipay, search for mutual treasure, and keep relevant screenshots. There is clear text on it indicating how many periods you have participated in, how much you have been charged, and keep the evidence of your participation in the insurance first. After waiting for the implementation notice of the national financial regulatory department on the mutual guarantee refund, it can justifiably request a refund from Alipay.
Everyone has their own views on participating in the Alipay mutual insurance business, some users support it, some do not support, this is everyone's own rights. Now for the Alipay mutual insurance business, do you support or not support it now?
Will you ask Alipay for a refund? How much fee have you been deducted for participating in Alipay's mutual treasure business, please leave a message in the comment column to see if the fee deducted by everyone is reasonable?