How to manage Qiyi loan advertisement in iQiyi loan advertisement?

29 applications, 26 loans! The loan entrance is implanted with multiple lifestyle apps.

Open the loan function and send VIP members. Recently, office workers found that all kinds of apps in mobile phones have become "financial apps". Even when you open a video APP, you will be tempted by "VIP members" to encourage users to open the loan function.

It is not only a video platform, but also various apps such as social life, taxis and travel. Now the loan entrance has been implanted, and users are often lured to open it with small favors, but the hidden risks are ignored, and even "low interest rate" and "fast payment" are deliberately promoted.

test

29 applications, 26 can borrow money.

"I happened to see that advertisement before and thought it was a good thing." After a day's work, the favorite way to relax is to brush short videos or watch online dramas. On one occasion, she just opened the Iqiyi APP and suddenly found an advertisement popping up on the platform, "Free VIP members for 3 months". When I was a child, I thought the platform was doing activities. When I thought that I could save tens of dollars in membership fees, she happily went in.

But after that, I found something was wrong when I was young. At the top of the page, it says "New users get a 30-day interest-free coupon for the first time", and there is a big word "Maximum loan amount is 200,000" in the middle. Where is the button to get membership? Take a closer look, it turns out that there is a string of small words "the first loan has been delivered" next to the "three-month member". When I was a child, I didn't need money urgently, so I naturally didn't need to borrow money. However, when she thought of sending members to the platform as a cover to cheat herself to borrow money, she stopped playing. "I thought I could save some money. As a result, the platform wanted to earn more money by collecting interest."

"You said watching videos has something to do with borrowing money? Have you borrowed money to open a member? " I thought it was funny when I was a child. What she didn't expect was that she then opened five other video apps installed on her mobile phone and found that four of them actually had the function of borrowing money. Some of these platforms will send pop-up advertisements, and the routine is also "borrowing money to send members". Others are not so blatant, but the function of borrowing money is implanted in the "wallet" page of the platform, which can only be seen when users recharge on the platform.

Since so many video apps have borrowing functions, will other apps also have them? The reporter downloaded various commonly used apps. Results Of the 29 downloaded apps, 26 can borrow money. The main functions of these apps include social, travel and life services.

Among them, some apps also focus on borrowing functions. For example, Ha _ Travel APP, which is used for scanning code riding, has a function button for borrowing money in the center of the homepage. If you are hungry, sell some gourmet apps. There are actually seven or eight kinds of loan services. Even antivirus apps like 360 and document apps like WPS can borrow money. Many of these platforms will give small favors to some similar video apps to "send members", some will give users some fee reductions when they pay, and some will gradually lure users to borrow money in the name of sending them to cash-filled red envelopes.

Image from Beijing Daily client

A cracked hole

The auditing standards are too loose.

The reporter's investigation found that the borrowing function of many platforms is based on "real-time approval and quick arrival". The reporters tried to open the loan function one by one and found that the review of some platforms was quite loose.

The simplest opening steps are payment apps such as Alipay and WeChat, perhaps because you can usually master consumption data. These platforms don't need any other information, just click the Open button to open the loan function.

There are also some apps that need to provide some personal information. For example, after filling in the ID number and brushing the face, the platform almost instantly completed the "review" and quota calculation, and finally gave the loan amount of18,000 yuan.

Fill in the ID number and brush your face, and the APP instantly completes the review and quota calculation.

In other apps, the borrowing steps will be slightly cumbersome. In addition to uploading your ID card and brushing your face, you also need to fill in personal work, address and other information. However, the reporter found that even if this information is randomly filled in, some platforms can still pass the audit and give a quota.

In addition, some apps will inform users of the failure in the first audit, but they will also point out "other ways" for users to borrow from other lending services accessed by the platform. Some will directly let users download another loan program and borrow money from it. The reporter found that some loan programs only need to fill in the information once, but it will directly apply to three different lending institutions for users. If it fails again, it will also push a "credit information" software that "why the query failed", and this software needs extra fees.

The reporter found that the success of the audit seems to be related to how many people are in the mobile phone address book. Many platforms will require borrowers to open the permissions on their mobile phones and check the address book during the audit. The reporter first used a phone card with a high frequency of use, and there were many people in the address book. The review was relatively smooth. However, when it is replaced by another card with no friends in the new address book, several apps show that the review failed.

Among the 26 apps, 14 was finally approved and the loan function was opened. The average amount given by the APP is 20,000 to 30,000, and the most one directly gives a quota of 6.5438+10,000. All platform loans add up to 300,000 yuan.

sly/tricky

Advertising uses low interest rates as a gimmick.

On the publicity page of Lending Bao, in addition to claiming that the review is fast and the loan is fast, there are many apps that will lure you to open at a very low interest rate. For example, Baidu Post Bar APP claims that the maximum loan amount is 200,000, while the minimum annualized interest rate is only 7.2%. However, when the reporter filled in all kinds of information, the amount finally given by the platform was only 7,500 yuan, and the annualized interest rate suddenly rose to 23.4%.

There are also some apps that often don't tell the annualized interest rate when they are promoted, but use "three thousand per day" and "five thousand per day" instead. Others simply don't have an interest rate percentage, but use an example, such as "65,438+00,000 yuan is only borrowed from 2 yuan for 65,438+0 days of interest". In order to make the interest figure look smaller, some platforms will turn the example into "loan 1000 yuan, and the interest is only 0. 16 yuan" and so on.

In order to confuse the interest rate figures, the platform often uses examples for publicity.

In the mobile phone Weibo, the loan advertisement says the lowest daily interest rate. After calculation, it is found that the lowest annualized interest rate is 10.95%. After approval, the loan interest rate became 24%. What is even more puzzling is that when the reporter fills in the loan amount, the APP also prompts in small print that "you are enjoying a 6.6% discount on the interest rate, 1, 000 yuan 1 day is only 0.67." Originally, the reporter thought that the platform gave interest rate concessions, but after calculation, I realized that the annualized interest rate calculated by this figure was still 24%, and there was no 6.6 discount at all.

It clearly says that the interest rate is favorable, but it is still the same as the original interest rate.

In addition to fiddling with interest, some platforms will also launch a "telephone offensive" against borrowers. When the platform is hungry and opens a loan, the platform diverts the reporter to another loan APP. The reporter first registered with the mobile phone number and uploaded the ID card information. However, because the mobile phone card used at that time was a new card, there were no friends in the address book. Later, when filling in personal information, he could not choose a contact from the address book, so he had to give up. But just half an hour later, the reporter received a call from the customer service of the platform, urging the reporter to continue to fill in personal information to complete the audit. Even if the reporter explained the problem of filling in the information, the platform made two more calls in the next two hours.

Say it.

Luring to borrow easily leads to "excessive borrowing"

Gu Lei, a researcher at China inclusive finance Research Institute, believes that the phenomenon of a large number of loan functions in APP may lead to vicious competition in the market. "In order to make it easier to issue loans, platforms may compete with each other to lower the loan interest rate, which will not only have a greater impact on the loan interest rate of state-owned commercial banks. It may also have an impact on the national unified interest rate price. "

Liu Xingliang, an expert on Internet economy, said that most of the consumer credit issued in APP is unsecured, which plays a positive role in promoting consumption. However, if the platform is induced, some groups with insufficient risk awareness and poor consumer self-control will have the possibility of excessive borrowing. "For example, some young people who have just graduated from college generally have not received a good financial education. They usually use these applications a lot. If they do not pay attention, they may fall into the loan trap and even lead to loans. "

In fact, Liu Xingliang's worries happen from time to time. The credit area of some online forums has long been a discussion area of "supporting loans with loans", and "which institution reviews loans quickly" has become the most common post, and some have listed their own debt details. One person owes loans to seven or eight institutions.

(Source: Beijing Daily Client)

Is it true that Iqiyi suggested that you can get a loan?

Really, but there are many routines, and it must depend on qualifications. Pay attention to protecting your credit information.

Iqiyi entered into loan assistance: cooperated with baixin bank and Wangxin Bank for online small bud loan.

Recently, the comprehensive video platform iQiyi launched the credit service Xiao Ye Loan, with baixin bank and Wangxin Bank as partners. Recently, the comprehensive video platform iQiyi launched the credit service Xiao Ye Loan, with baixin bank and Wangxin Bank as partners.

According to the official introduction, the licensed financial institutions are independently responsible for Xiaoya loan, and manage the whole process services such as risk control audit, fund supply, post-loan processing and risk taking. Iqiyi provides users with internet financial information and provides technical support for credit services of financial institutions and users.

Baidu is the major shareholder of iQiyi, so it is not difficult to understand that baixin bank, which is also owned by Baidu, will become the first cooperative organization of iQiyi.

(screenshot of iqiyi App)

From the experience, at present, Xiaoya loan is not fully open to all users, and some borrowers said: "The interest rate is similar to Huayuan".

The diversion service is online.

Although the Xiaoya loan has just been launched, iQiyi's wallet plate already has a loan entrance, but it used to be a pure diversion service. Judging from the description of Xiaoya Loan, Xiaoya Loan will be an independent product of iQiyi and will provide loan assistance services.

At present, when you click on the loan service in the iQiyi App, there will be products such as Zhongyuan Consumer Money, Suning Finance, Baidu Money, Zhaolian Good Loan, Instant Consumer Money An Yihua, Wanda Pratt & Whitney E Loan, Zhongan Loan and Xiaomi Loan. , are all lending products of licensed institutions.

However, before fully docking authorized products, until around July this year, iQiyi was still exposed as a diversion loan platform involving beheading and violent collection. The actual annualized interest rate of corresponding loan products such as currency partners is as high as 80%.

For online video sites, the best way to seek cash loans for traffic is to open advertisements, suspend advertisements and insert advertisements in self-made online dramas. Since 20 16 popular online drama "Old Nine Gates" was implanted in P2P platform, online drama implantation has become a way of mutual gold platform, especially P2P platform competition. A report on 20 17 shows that in the online drama made by the iqiyi platform,

In 2065438+2008, mutual funds ebbed, and the frequency of mutual fund platforms appearing in spot advertisements decreased. However, the advertisements of transition pages, loading, focus pictures and information flow provided by video websites are still the favorite of cash loans.

Loan advertisements appear on video websites in all directions, and video websites have become a gathering place for cash loan advertisements. According to the report of March 20 19, only on Tencent video, advertisements of more than ten cash loan platforms including Qianban, Qianzhan, Ping An Loan, Xiaoxi Finance, 5 1 personal loan, Elephant Premium, Hengyi Loan, Yiyi Loan and installment music were brushed in a short time.

Perhaps the video website saw the opportunity of cash loan in cooperation and began to think about it.

At the end of 20 18, iqiyi was exposed to recruit financial product directors. The job requirements are: responsible for the management and talent construction of the Internet financial product team, emphasizing the need for experience in Internet financial products, and engaged in cash loans and crowdfunding product design. Better. Wait. This move is considered by the industry to be a signal that iQiyi will enter the cash loan.

Today, one year later, Qiyi's micro-loan finally "we have called 1000 times and urged 1000 times before she started coming to us".

Can cash loan make blood?

In the field of online video in China, losses are the norm for most enterprises.

The same is true of Iqiyi. 20 19' s financial report in the third quarter shows that the total revenue of iqiyi reached 7.4 billion yuan, up 7% year-on-year, while the revenue growth rate in the first four quarters was 48%, 55%, 43% and 15% respectively. From the data point of view, the growth rate of iQiyi's revenue continued to decline, and the growth was weak, with an operating loss of 28% in the third quarter. The net loss attributable to iQiyi is 3.7 billion yuan, which has not been profitable since its listing.

According to the ranking of mobile AppTOP 1000 in September of 20/9 released by Analysys Qian Fan, the number of monthly active users of iqiyi App is 565 million, while the financial report of iqiyi shows that by the third quarter of 2010.58 million, the total registered members of iqiyi were10.58 million.

In Internet companies, all platforms that have mastered large traffic are basically not involved in financial business. The video website takes the personal center as the entrance of lending products, and the traffic seems to be very limited. Some platforms that cooperate with iQiyi tell us that "the traffic brought by iQiyi is average and medium" and "not bad".

At present, in the personal centers of the three major video websites in the golden age of consumption, Youku has not seen any lending products, and Tencent video only has the entrance to spend money on the products of Tencent's Weizhong Bank.

Can Xiaoya Loan Become a New Income Growth Point for iQiyi? Let's wait and see.

Is the bank loan in iQiyi true?

All advertisements are embedded in the network platforms of big brands, which are generally owned by small loan companies. The interest handling fee is much higher than that of a normal bank, and many terms in the contract are incomprehensible. It's best not to use it unless it's particularly urgent.

In order to get a VIP on iQiyi for one month, I entered my ID number and didn't see that it was a loan. Will you give me a loan directly after submitting the application?

Hello, you may have encountered online loans that pretend to be big platforms. Please be careful not to trust or transfer money. If in doubt, please call the customer service number 95055 to verify and call the police in time if necessary.

Qianhua is a credit brand owned by Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). The daily interest rate of money consumption loan is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

This is the end of the introduction of iQiyi loan advertisement. How to close it? I wonder if you found the information you need from it?