Malicious collection of consumer finance

Chen Dai (pseudonym), who is not deeply involved in the world, is one of them. He just walked out of the school's "ivory tower" and entered the society with the enthusiasm of taking office, but he didn't want to fall into the trap of routine loans. According to Chen Dai, when attending an interview with a company, the company led him to pass the Haier Consumer Finance Loan16,000 yuan training fee on the grounds that his job required pre-job training. However, after the training, he did not arrange work for Chen Dai as agreed, but asked him to find himself in the QQ group and issue him a blank resignation certificate.

Chen Dai's experience is not unique. On the third-party complaint platform, there are more than 654.38+million complaints about consumer finance, among which Gitzo Consumer Finance, Instant Consumer Finance and Zhaolian Consumer Finance rank in the top three, and complaints about "induced loans", "high interest rates" and "violent collection" are more common. The first consumer financial institution was also fined 2.9 million yuan due to illegal facts such as exaggerated and misleading marketing propaganda, improper collection behavior, and irregular review of consumer rights protection.

At the end of July last year, it was reported that the relevant regulatory authorities required the relevant regulatory authorities of local consumer finance companies to make demands. Local consumer finance companies, banks and other financial institutions should fully control the annualized interest rate of personal loans within 24%. Among them, the regulatory requirement in some areas is to clean up the stock loans with excessive interest rates before the end of June 2023.

In addition to the dispute over high interest rates, consumer finance companies have also been criticized for lack of control or cooperation with cooperative institutions to induce consumers to lend and over-consume. According to Chen Dai, when I graduated last year, I interviewed for the position of "Network Optimization" in Shanxi Duote Communication Technology Co., Ltd. (hereinafter referred to as "Duote Communication"), but I had to undergo training and sign a training agreement before I joined the company.

"Dortmund communication employees said at the time that they needed to pay more than 16000 for training. After the training, you can go to work, with a monthly salary of more than 4 thousand and more than 6 thousand It doesn't matter if you have no money now. You can borrow money from Haier consumer finance. It's convenient to lend money soon. According to your future work income, there is no pressure to repay the loan in the future. " Chen Dai said that he applied for a loan with the "encouragement" of Dortmund employees.

According to the training agreement signed by Chen Dai and Dortmund Communication, the pre-job training fee is 65,438+06, and 800 yuan (including site fee, test software, test equipment, test card, technical service fee, etc. One of them is clear: "After passing the training, Party B will work in the communication enterprise (Dortmund Communication) cooperated by Party A or Party A's own company (three job opportunities) and hold positions related to the training project."

However, after the training, Dortmund Communication did not let Chen Dai join the job as agreed, but let him find related jobs by himself through QQ group and other channels. Chen Dai's experience is not unique. On the third-party complaint platform, many users complained about Haier's consumer finance, saying that they were told during the interview that they needed pre-job training, or some training institutions used learning skills and making money part-time as an excuse to induce loans.

Haier Consumer Finance said that the company has suspended cooperation with institutions suspected of "inducing or fabricating students' on-the-job status" and is currently conducting anti-fraud investigations on merchants. We will make all adjustments to the cooperative institutions and have strict scoring access procedures. At the same time, we will regularly evaluate the cooperative institutions and establish a timely exit mechanism for merchants who violate the rules and have major risks. After receiving user feedback, we also attach great importance to it and have assisted users to ask for a refund from the merchants. "

Frequent financial chaos has also attracted the attention of the regulatory authorities. On June 25th this year, 65,438, Zhaolian Consumer Finance was fined 2.9 million yuan for exaggerating and misleading marketing propaganda, inconsistent quality and price of platform service fees, careless product pricing management, inadequate risk management of cooperative merchants, failure to report off-balance-sheet exposure of joint loans, failure to report on-balance-sheet exposure of joint loans, and failure to report off-balance-sheet exposure of joint loans.

In terms of improper charges, the circular shows that since 20 18, Zhaolian Consumer Finance has carried out joint loan business with banks, trust companies and microfinance companies, charging borrowers a platform service fee of 1.5% of the loan principal, ranging from 20 18 1 to 2065438.

The control of cooperative third-party merchants is not in place, which is mainly manifested in three aspects: First, the access review is not strict. There is no in-depth analysis of the operation and management, financial situation, industry characteristics, products and market share of the cooperative company. Second, the scale of cooperation is not strictly controlled. From February 20 16 to August 20 19, the scale of cooperation between Zhaolian Consumer Finance and a company in Shanghai was 30 million yuan, but the actual scale was 60 million yuan at the end of August 20 19. 2065438+On September 27th, 2009, Zhaolian Consumer Finance set the highest level of red warning for the cooperative company in the daily warning report, but the next day it raised the cooperation scale limit of the cooperative company's installment business from 30 million yuan to 74.4 million yuan. Third, the early warning classification of risk events is not prudent. In the case that the situation of a company in Shanghai has not improved significantly, Zhaolian Consumer Finance has lowered its early warning level.

According to the circular, the inadequate collection management of Zhaolian consumer finance is mainly manifested in two aspects: First, there are improper collection behaviors. Such as Hu, the overdue customers with clear repayment date, continue to call for collection, causing harassment to customers; Call customer Liu's work unit and tell colleagues about Liu's overdue information. Second, the assessment of outsourcing collection agencies is not strict. The quality assessment system of outsourcing collection agencies was not strictly implemented, and the improper behavior of collection companies in the assessment was not punished.

This article is from International Finance News.

Related questions and answers: What does consumer finance belong to? Consumer finance is not a loan platform, but a financial service model that provides consumer loans to consumers at all levels. Consumer Finance Company is a non-bank financial institution established with the approval of China Banking Insurance Regulatory Commission, which provides loans for consumers in China. For example, Gitzo Consumer Finance, Instant Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance and Shanxi Merchants Consumer Finance. There are Xiaoman Finance, Suning Finance, Jingdong Finance and so on. Customers can apply for loans from the above-mentioned consumer finance institutions. Generally speaking, as long as the personal credit is good and there is enough repayment ability, the loan can be successfully obtained. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders. What everyone needs to pay attention to is not to borrow money from unknown small loan companies. After all, without the approval of the CBRC, it is easy to meet loan fraudsters or loan sharks, fall into loan scams, and cause personal money losses. Consumer finance is a rapidly developing Internet finance industry. With the rapid development of Internet in China and modern people's consumption concept, it is a financial industry that does not belong to a lending platform, and it is a general term for Internet finance at present. 1. Is consumer finance a company or an online platform? Consumer finance is a unified name for the Internet finance industry. A consumer finance company was established in China through the China Banking and Insurance Regulatory Commission to issue micro-loans and earn interest. They don't take deposits in any form, mainly for scattered users and people in urgent need of capital turnover, and provide a kind of financial support for non-bank financial institutions. So far, there are many legal and reasonable financial companies in China, including Alipay's Huabai, Borrowing Baibai, JD.COM Gold Bar, China Bank's consumer finance, Zhaolian consumption, Suning consumption and various credit card consumption. Second, consumer finance does not belong to any lending platform. Consumer finance is a domestic financial company mainly engaged in issuing small loans, and does not belong to any network platform. Consumer finance is a small loan company established with the consent of relevant state departments. It is a for-profit financial company, which mainly issues a certain amount of consumer loans according to modern people's consumption concept. Third, the characteristics of modern consumer finance Consumer finance is a way to provide modern consumer finance to those who need funds. Consumer finance does not specifically point to any online lending platform. It is the product of China's traditional finance moving towards modern finance. According to modern people's consumption concept and the rapid development of Internet in China, a modern consumer financial tool has emerged, which is a financial tool to distribute small amounts of money to the general public. It is concluded that consumer finance is not a specific network platform, but a product of social development, and it is also an internet finance industry that is more in line with people's consumption except bank credit in China. Consumer finance provides a convenient financing method for young people and people in urgent need of funds. Can better serve the majority of residents.