What are the risks to be reckoned with when shopping in 0 yuan?

The risk of "shopping in 0 yuan" should not be underestimated.

Recently, the inspection of the national Internet financial risk analysis technology platform found that the "online shopping return" platform on the Internet in China has outstanding risks. The platform of "shopping all back" is different from the usual shopping discount platform, but it attracts users quickly through "shopping in 0 yuan" and "returning a large proportion of consumption funds". The profit model of such platforms is questionable and risky.

What are the main performances of attracting users? Many rebate platforms take "shopping in 0 yuan" and "100% full refund of consumption" as propaganda points, which quickly attract a large number of users. For example, the "No.7 Network" platform declared that "shopping is free", and all the consumption amount was returned by setting the "return interest rate"; The platform of "Lili Mall" is known as "zero-cost shopping", but users first need to deposit several times or even 10 times the commodity price.

Some platforms claim to return the consumption amount in batches within a certain period of time, but the price of goods purchased by consumers is often much higher than the general market price. For example, "the price of goods on the retail platform is generally high, and an unknown liquor product is even priced at 6999 yuan; The platform of "Crab Cloud Purchase" claims "100% cashback", but the cost paid by consumers is obviously higher than the general market price of goods, just like the Suning.cn price of a computer is 2,788 yuan, but the price of this platform is as high as 10,000 yuan, and the platform has been seized at present.

Other platforms are suspected of developing new customers through pyramid schemes, that is, acquiring new customers through the pyramid-like "development offline" model, attracting a large number of consumers to become members. For example, the "Tianhua Chuangke Purchase" platform develops members in the name of "direct selling and sharing economy", "recommending one person to give you 50% commission" and "all generations within 15 have commission"; The "Jupin" platform attracts a large number of users through the "five-level membership and team bonus model". At present, the platform has repeatedly exposed negative information.

Some platforms pre-sell large discount "points coupons" to absorb funds. The technology platform also found that some platforms use incentive coupons or recharge discounts to absorb user funds. When the funds reach a certain scale, some platforms will have difficulties in withdrawing cash. For example, the "Yunhuilian" platform currently sells coupons with a face value of 1 10,000 yuan or even 65,438+10,000 yuan in official website at a lower price; The platform of "Juhui Tianxia Mall" declared that "you can give as much as you put in" and provided huge promotion commission.

Experts said that the "online shopping full return" platform has high commodity prices, long rebate cycle, unsustainable profit model and high risks.