Small make up have number of a mobile phone, used ten years, hate to part with previously change name, use more however now cold-shoulder more. Basically be receive everyday annoy short message of phone, rubbish really too much, impossible to defend effectively while, also let a person feel helpless.
In these rubbish short messages, "Lend money " , " the second is borrowed " , " informal flower " the frequency that waits for a word to appear is highest. After according to the short message medium link logins, small make up discovery, it is on the home page of these diversion platform " Xinkouzi " , " 30 seconds give the forehead to spend " , " small letter can be borrowed " , " sesame seed credence is divided 600 also can borrow below " wait for model of written characters, ready to do sth letting a person.
Additional, input in small letter small order " loan " , " lend money " wait for a keyword, OK also search arrives many loan information. Almost metropolis of every small order recommends many loan platform.
Besides short message, small order, process of mobile phone application also is the main diversion channel of all sorts of loan platform. Search in process of mobile phone application " loan supermarket " , can find the commendation of download of APP of many loan supermarket.
"No matter short message, small order still uses a program, the discharge that is all sorts of loan platform enters the mouth. " controller of company of some loan intermediary introduces Chengdu, the back end of the entrance is thousands of domestic loan platform, simple for, it is the gather of all sorts of loan supermarkets.
Small make up fall integratedly,
These loan platform are like next features mostly:
1, be not the orgnaization that hold a card;
2, wait for plan breath with day news, week news, put borrow the forehead to spend from 1 1000 differ to tens of thousands of yuan;
3, operation time is not long, find the important information such as means of operation main body, connection very hard.
Return some platform to seek oneself increase, borrow to campus, cash is borrowed wait for a domain to violate plan product to also open an eye, close a key point, still lead an user even excessive loan. "Small letter can be borrowed " " , " 30 seconds give the forehead to spend " the propagandist word that waits for exaggerate, have the suspicion of add fuel to the fire.
Although look a bit confused, but superintendency branch prohibits not completely the net borrows drainage, it is good to still ask each net borrows platform to want to do instead " message medium " fixed position, this also gave the diversion platform such as loan supermarket existent space.
Is diversion of that loan supermarket violated after all do not break the law?
The lawyer thinks, loan supermarket has the part to be gotten illegally, the behavior of the information such as the full name of sale user, Id date, bank Zhang date, be suspected of violating individual information privacy.
"If obtain user authorization, these diversion platform can be used legally; If did not obtain user authorization, criterion cannot the citizen individual information such as business full name, Id date, marital status. " this lawyer expresses, supermarket of apparent most loan did not obtain this kind of authorization.
To loan supermarket diversion, how should be superintended?
The viewpoint thinks, the property of the diversion platform such as loan supermarket and P2P net are borrowed about the same, it is message medium, the instantly of customer cost tall look forward to is obtained in loan, win a customer through diversion channel, can reduce the operation cost of leasehold platform, improve the efficiency that win a customer, also be the big trend of professional division of labor.
Fall in this kind of circumstance so, be about the responsibility of platform of li clear diversion and loan platform. The problem of leasehold link is in charge of by leasehold platform, the responsibility of the link that win a customer should be assumed by diversion platform. Diversion platform also should stand fast self-consciously management bottom line, do not borrow for campus, cash is borrowed etc violate plan product diversion, get in user information, use, make over relevant law laws and regulations is abided by in waiting for a process.
And the superintendency policy of this respect, be about very quickly possibly also to come on stage. According to " Beijing business signs up for " wait for media coverage, one is close to superintendency personage to divulge, "Already paid close attention to the question that resembles to diversion platform chaos at present, unified exam Lv enacts a few normative measure " .
Still the viewpoint thinks, the risk of diversion platform, also depend on put the wind that borrows principal part to control a standard, future still needs borrow main body to take a few normative step to putting.
Below the big setting that rectifies in risk of each other gold, this one very should fast can be rectified, loan supermarket platform of this kind of diversion should be very fast can welcome standardization development.
