Manufacture | 3 character finance and economics

Author | Bumper harvest

Recently, wu Hechen of actor of comic dialogue of heart cloud company " numerous prepare 1 million " incident ferments continuously, public attention is nodded also from " cheat is contributed " transfer slowly on doubt, the problem such as the examine and verify of platform of raise the wind and fund place makes the focal point of attention.

Finance and economics of before this 3 character already released two relevant texts continuously, the first " measure in person: Water preparing did not check to poverty, prepare false data easily to also can be passed " the analysis was revealed prepare water preparing, easily the flaw that waits for platform of raise the wind to go up in examine and verify and not rigorous, the 2nd " raise the wind passes one billion four hundred and ten million and sixty-five thousand four hundred and eight, do not collect service fee, does water prepare the precipitation capital where that prepares easily? " platform of raise the wind was discussed " collect money first, hind examine and verify " hind the place to go of capital of a huge sum.

In the meantime, each big mainstream media is right also the problem such as place of the examine and verify of platform of raise the wind, fund undertook deepness reports, but still stay a lot of the mystery that did not solve. For example much platform all claims free, so how to realize commercial gain; Naughty free generation writes so called volunteer on treasure table of article of raise the wind is why; Light examine and verify brings " mud and sand are carried along-there is mingling of good and bad " do large flow and big fund direct again where?

Through be investigated further and be being interviewed, 3 character finance and economics discovers, the light examine and verify of platform of raise the wind is it seems that " do it painstakingly " , and purpose or bring enormous flow namely, discharge changes to get commercial benefit now.

The help punishs the person of difficult unfavorable situation personally truly, this is platform original intention, but examine and verify is loosened on commercial pattern, increase flow with better change now. This is contrary to it seems that it seems that, but be in trade the likelihood is interconnection of cause and effect. The key is the law that this involves among them and moral problem.

Does platform of raise the wind exist what problem?

The investigation of finance and economics of before passing this 3 character and interview, with the report of etc media, prepare water preparing, easily wait for platform of raise the wind to be put in the following problems. These problems involve process of around of raise the wind, join rises formed platform of raise the wind " fan bureau " . Every problem below can make illuminate a bit, is the truth that these problem backside place hide mainly.

1, platform is not strict to the preliminary examine and verify of initiator, the data such as proof of false medical treatment passes examine and verify easily

Examine and verify is lax it is this platform of raise the wind exposes exposed the biggest question, in 3 character finance and economics the actual actual measurement of the first article is investigated in, did detailed description to this problem.

Bogus false diagnostic proof passed platform test and verify easily, and in actor of comic dialogue of heart cloud company in Wu Hechen's incident, "Poverty door " also passed platform examine and verify. Although be below public doubt, wu Hechen's family says " poverty door " it is to be operated by accident, but the fact with lax examine and verify already very apparent.

In the report that signs up for in new capital, the reporter referred the diagnostic proof of trace of PS of a piece of poorer like element, existence to 3 platform.

Water preparing, love prepares 2 minutes of preliminary examine and verify to end, prepare easily also referring again after revising, pass, application is obtained namely through. 3 platform all can accept regular contribute money.

Origin new capital signs up for

With 3 character finance and economics the investigation before this agrees, personnel of 3 platform customer service all expresses, can at the same time raise the wind complements at the same time relevant data, namely " collect money first, hind examine and verify " . Specific it is initiator releases project of raise the wind to begin to collect money first, platform just begins the proof material of initiator of project of examine and verify later.

Why to use to this " collect money first, hind examine and verify " system, 3 character finance and economics enquires to the customer service of each platform and public relations, all have no a person to be able to reply.

Why be raise the wind of ending ability of data examine and verify? Is this very difficult? Can the secret of backside be the new user that can examine and verify hold back channel of socialization of process of raise the wind to be pulled?

2, platform is executed " collect money first, hind examine and verify " , after raise the wind is successful, initiator is carried now examine and verify is not strict

Additional, mention in the report that new capital signs up for, should ask about carry when whether can be information being checked to the hospital before showing, only " water prepares " if tiring-room is checked,say to discover data exists obvious question, can obtain hospital administrative or technical offices to contact means to undertake checking from patient place.

To this, 3 character finance and economics prepares to water respectively and prepare a respect easily to seek advice, did not get answer.

Transmit of Shen Peng of water preparing author this statement, state what media likes unidentified Bai Wei " fishing " or heat of caption party loiter, he still points out " face shortage of current individual capital to check the problem such as the way effectively legally, water preparing examine and verify still has improve a space " .

But is the fact such?

The public figure that once used water to prepare successful raise the wind expresses to 3 character finance and economics, carry when showing, need to submit the bank card, information such as individual identity only, carry raise the wind apply for to send friend circle to undertake revealing now, complain without the person can carry now. And need not be referred again prove related the hospital, namely early days passed examine and verify, not again reexamine.

Complain without the person object, carry can succeed now, is this kind of gregarious test and verify useful really?

3, platform to appealing person economy condition has no limitation, amount of raise the wind did not limit a criterion

In " measure in person: Water preparing did not check to poverty, prepare false data easily to also can be passed " in, 3 character finance and economics ever also raised doubt, this also is the reason that Wu Hechen incident arouses controversy first most. Platform original intention should be the person that helps difficulty, of course the difficulty here is relative to character.

On May 5, water preparing says in the statement that responds to Wu Hechen incident, the original intention that water preparing establishs is to hope the help is immersed in family of difficult a serious illness to spend difficulty, play is additional " help sb to deal with an emergency is difficult " action, and emphasize " current car is produced, economic atmosphere lacks the family such as house property, deposit generally to check a way effectively legally " .

Apparent this " me cannot " reply cannot satisfactory, because much coverage confirms the difficulty of false raise the wind is very small really.

Incorrect appeal the restriction that economic condition of the person has certain regulation, this inevitably meeting poses public doubt. And the limitation that amount of raise the wind also did not make clear, how many to prepare complete by appeal person decision, the public how should be actual demand of the person judged again to appealing?

This derivative also next issue: How is capital used.

4, after raise the wind is successful, use to capital did not undertake fair show, not clear capital uses a case

The standard that plans market fund not only not, successful to raise the wind fund uses a case, dedicator also cannot is informed.

In the regulation of each platform, the capital that all claims to raise money can be used at the cure of deliverance person entirely, but specific how to use, how much to use, if why is the rest capital handled, platform asks initiator is announced external not compulsively.

Platform regulation

Carrying after showing examine and verify to pass, capital can be hit in the account of initiator entirely, handle fund use by initiator proper motion. Here platform is short of lost superintendency status, love personage has right the effective use of witting capital, and this however by oversight.

This Wu Hechen incident, perhaps be by force of pressure, water preparing expresses to will announce the use case of capital. But this is countless raise the wind only in, how does the know the inside story of the benefactor of other raise the wind counterpoise to should assure again?

This is not " I cannot " can payable!

5, platform is executed " collect money first, hind examine and verify " the purpose of the system wheres

Can see, platform loosened the link of examine and verify of early days, went up objectively to reduce the use difficulty of the user really, this is original give no cause for more criticism, it is the design that a human nature changes even.

But among them important information, if diagnose proof, identity to wait, ought not to by false information " cheat " , it is platform loosened examine and verify painstakingly probably.

Although initiator passed completely not credible information to pass early days examine and verify, but carry show link to also should father add examine and verify, in the hand that cannot invite love contribution to fall into cheater.

Regrettablly is, some platform also are short of in last pace however broke.

So, "Collect money first, hind examine and verify " to who to take advantage after all? It is the true person that appeal, the cheater that pursues additionally still somewhat, still took flow to platform?

The setting meaning of this kind of system wheres, who is just the biggest person that be benefited?

6, the where of precipitation capital whereaboutldirection that running water of platform a huge sum brings

The running water of platform of raise the wind has how old, everyman is likely imperceptibility.

In page of conduct propaganda of website of water preparing government, water preparing conduct propaganda holds water up to now amount of accumulative total raise the wind amounts to many yuan 160. Water preparing held water 2016, up to now close already 3 years. Reflect this consideration, average every months of running water is as high as more than yuan 440 million.

On May 6, prepare easily published a problem to be " a letter that sends broad love netizen " announcement, the exposure in article plans development easily up to now, already had 600 million user and accumulative total raise the wind 32 billion yuan. Prepare easily at the line on September 2014, what already had nearly 5 years up to now is long, criterion its are average lunar running water is as high as 530 million yuan.

So moneys of these be apt to stop when platform, be made again why good?

Water plans user agreement

Who is this tripartite? 3 character finance and economics tries to seek advice from water to prepare a field, the other side did not reply.

Say simply even if, raise the wind is prepared to entrust tripartite by water mandatory, specific how to use our unknown, produce how many accrual to also cannot be informed. Water preparing claims to be able to use interest at all sorts of quits turning Zhang poundage, and the electric telephone bill that contacts with deliverance person, but how much can this part cost, we unknown.

Prepare easily be in its " the user registers an agreement " in express, the user switchs to all delimiting money, money full a cost and purse remaining sum (contain be frozen, the money that stop payment perhaps gets limitation) any accrual of generation (propagate ceases) do not enjoy any rights. If because of afore-mentioned money the propagate of generation ceases,all put in platform 's charge all. And turn Zhang poundage also wants user proper motion to assume.

Prepare an user easily to register an agreement

A word is, qian Fang is in prepare platform easily the accrual of all generation is platform. But how do these capital bring profit, it is mandatory also gave tripartite, our unknown.

7, a lot of platform executes free mode or low poundage, it is after all how of gain

Water prepares and prepare easily all express " how many to prepare, how much to give " , won't collection serves expense. So is platform of raise the wind how of gain?

Besides the interest income of the raise the wind that in going up to ask, mentions, each platform returns the many domains such as sortie cable business, safe, coadjutant service.

And coadjutant service is a kind of company group service, the member is collective and contributive build capital pool, once somebody sicken, can apply for manage compensate, remedial charge by every member share equally, platform is met the service of 8% expends collection.

Make public information to show, at present water company has water to help each other in all, water preparing, water keeps line of 3 core business. Its author holds CEO Shen Peng concurrently to ever expressed, water is passed " numerous chip + help each other + business is protected " , build rose " beforehand is ensured + deliverance of after the event " safeguard system.

Origin and message science and technology report

Up to 2018 months July, water company whole platform registers an user to pass 400 million, number of independent user paying fee exceeds 150 million. Water prepares the tremendous entry that had made water company flow.

And disclose information according to its official net, water is protected as restful as Inc. of insurance of Chinese people property and China belongings is at present safe 7 insurance company such as Inc. cooperate, discloses insurance product information has 23.

This year in March, water company announces to finish B annulus external financing of nearly 500 million yuan of RMBs, at that time, water company still discloses, already exceeded 50 well-known insurance company to reach collaboration with home at present, roll out price of more than 60 tall sexes to compare product of high grade insurance, ensure an user 10 million.

Water prepares be commonweal property, but water company is commercial company, water helps each other to keep the gain key that is water company with water.

8, platform volunteer (include to clean out treasure platform) does the purpose that era keeps article record where?

Before a few days, when undertaking investigating to platform of raise the wind, 3 character finance and economics discovers accidentally " water preparing prepares free generation easily to keep article record " , they claim is " volunteer " , returning somebody to express is official volunteer, this caused the author's attention.

In clean out treasure such commercial platform, what is the motive that free generation keeps record of article of raise the wind?

Be in with " volunteer " in communication, they express in succession not collection charge, exploring further is free really it seems that. 3 character finance and economics tries to question the capacity of the other side, a volunteer expresses those who prepare the government to he is relaxed, express to also can take the place of the article record that keeps water preparing, this let a person generate question again.

3 character finance and economics is called plan customer service easily, provided the telephone number of this volunteer, customer service affirms this is a volunteer of their Chengdu really, but customer service expresses not with clean out treasure to have any collaboration, deny have volunteer service is provided in the inn that clean out treasure.

So why does the volunteer choose to clean out treasure platform, the generation that why assumes platform of two raise the wind at the same time again keeps a service.

From inside the volunteer's mouth, we are informed them is a part-time job era keeps client article record, without 5 danger one gold, need not secure a place to go to work, at any time mount guard, pay is to keep an article record 100 award. Platform generation is written to which, which platform pays reward.

This explained they choose to be in it seems that the set up shop that clean out treasure, and era keeps the article record of platform of much home raise the wind.

The author tries connection to plan customer service easily, be recruited volunteer, after providing relevant individual information simply, customer service can no more be contacted.

Ponder over a such problems please: What is the original intention that platform makes so?

The backside of the careful after preparing first: Beneficent commonweal guides for insurance Wu user

Through above of a few problems comb, platform of raise the wind " collect money first, hind examine and verify " intention is already clear, include to install a volunteer to help user generation keep article record, in the backside of the label of commonweal, the commercial property of platform of raise the wind emerges slowly.

A few detail are shared again below, confirm platform of raise the wind is in trade " work with perseverance " .

Notable is, below the premise that did not launch projects of any raise the wind, prepare easily dial me actually mobile phone number, really weird. (note: The author loginned to plan public bugle call easily with small letter)

Another detail is, can jump from water preparing turn to water to help each other to be protected with water. The water that should click small letter good friend to be released in friend circle prepares appeal after the link, return when exiting, can jump turn the relevant page that water protects, play a water to protect promotion page for many times even sometimes.

In the meantime, there also can be water to protect what prepare with water to jump in the bottom of page of raise the wind turn link.

What prepare easily is more exaggerative, return from page of a raise the wind also can meet jump turn to other page, and every time different, the likelihood is project of another raise the wind, also may be to prepare subordinate insurance easily " numerous bag is wrapped " , also may be date of public of the certain below the banner, it may be said is every time " surprise " .

Can see, platform changes fluctuation in discharge great time.

Still have a bit additionally, prepare 3 platform water preparing, love preparing, easily to all state wrong message authenticity is responsible.

The data that meets in raise the wind proves a part, the clew that platform has these probably " this project information does not attribute information of beneficent and public raise donations, authenticity releases an individual to be in charge of by information " , but in pay a page to do not have relevant clew however.

In platform of raise the wind how gain asks in, 3 character finance and economics had analysed the commercial essence of platform. The business such as the assurance that gives platform through the raise the wind of commonweal property brings enormous flow, and traditional insurance industry dare not imagine these discharge.

Origin and message science and technology report

Finance and economics of wife person Xiang Sanyan spoke a course of study that ever worked in platform of some raise the wind the secret of platform of the raise the wind in his eye:

1, the core of the examine and verify after collecting money first is to get an user

2, platform now is mode of 3 class rocket, early days gets an user is to wash an user that buys insurance to wait

3, the entrance that charity is discharge only, won't set high threshold so

4, cheater ability keeps a moving article record, cheater ability helps more person

5, the volunteer pulls an user to platform, platform is smoked to the volunteer, this is the method that helps a client

6, the precipitation capital of platform of raise the wind won't divert, because of the pity with small interest, and the risk is too high

Epilogue

Platform of raise the wind plays demand business interest in the appearance of commonweal this give no cause for more criticism, where is the bounds that important is law?

The relaxation of platform examine and verify is to do it of purpose, still face difficulty really, whether do these behavior touch again law.

Platform helped the affliction masses that needs deliverance, whether to reduce the difficulty of cheater do evil and cost again, whether to meet again self-destruction future.

Occasionally do evil and do good works are reading aloud only between, platform of hope raise the wind can and row and cherish.