After superintending, cash is borrowed refluent. Bright already less again platform can borrow a money to come, and one kind hides benthic is long already " receipt for a loan " mode, begin to become however explode fire.
They win a customer simple and crude.
They are mixed from loan supermarket urge collect company hand in, 6 yuan one buys borrower data, phone borrower directly: "Do you need loan? "Do you need loan??
Their interest is gotten high fearsome. Borrower in one's hand 1000 yuan, once,1500; is returned after 7 days exceed the time limit, fine of a day is 200 yuan. Annual interest rate is as high as 2600% , call its inside course of study " exceed benefit to borrow receipt for a loan " .
They are urged close very atrocious. Of PS user naked according to, send small urn to wait, it is their commonly used means. Their gain is very sizable however. Of a 10 bearer " small mill " , lunar loan 100 come 10 thousand, lunar net 50 much.
And this domain, still belong to superintendency blank, the user is complained without the door. Deep-set among them user, what have the whole body hardly and retreat is likely, "Touched receipt for a loan, blind lane " .
Rise to surface
After entering 2018 New Year, big intermediary champaign found new commercial pattern eventually.
Cash is borrowed after superintending, almost all platform, borrow a money hard to come again. Rely on to help loan user previously " Lu cut " make money they, think for a time oneself be about to unemployed.
Discover suddenly, friend circle begins to be swarmed by a kind of new leasehold ad, whole intermediary is encircled, qi Qi turns around, bore down on one is borrowed than cash more of sudden huge profits play a way.
Hide underwater exceeds benefit more one year to borrow " receipt for a loan " , begin to revive.
Before 2016, subterranean usurious loan, need both sides to make receipt for a loan face-to-face. Began 2016, on more and more nets " tool of receipt for a loan " appear, like leasehold treasure, borrow today, the platform such as the receipt for a loan that do not have care.
This is meant, leasehold both sides need not meet again, can pass these tools, receipt for a loan is made on direct net. This trade pattern, by underground usurious use, evolve " exceed benefit to borrow receipt for a loan " .
2016, exceed benefit to borrowed receipt for a loan to be greeted one round small erupt. To 2016 second half of the year, cash borrows quickness to erupt, reave the majority to exceed benefit to borrow the user of receipt for a loan.
"Opposite for, the interest that cash shifts is a few smaller, urge close more normative also. " player of a lot of receipt for a loan is returned again primitive " underground is usurious " .
But cash shifts industry stop a car recently, exceed benefit to borrow receipt for a loan to erupt again. "Recently, the intermediary beside me almost transition, begin to make receipt for a loan. " beside oneself new the group that establish, have a few.
"Dozen of Fadoubi of everybody is crueler now, won't establish a company, be small mill type, ten people, even a few people are able. " they know very well, exceeding benefit to borrow break the law, because this hides underground, do not show a body absolutely. "Our group with respect to 10 people, 5 win a customer, 2 loan, 3 are urged close. " pull a careless station team to be able to leave dry.
But ability of profit of this small group exceeds strong, at present the loan specified amount of their month is 1 million, the eliminate manpower cost, cost that win a customer, bad Zhang, can earn 50 every months much.
Exceed benefit to borrow receipt for a loan, using the cruelest means, go reaping the user that cash borrows.
"Those are black to dead, already was urged to close force everywhere the user of avoid a creditor, we do not borrow. " borrow this kind of user, oneself are equal to became " receive Pan Xia " .
And they can carry those to already was borrowed to develop consumptive habit by cash, but now nowhere the person of loan.
"Actually we should thank cash to borrow platform extremely, they helped us foster an user, and help our get rid of besides the poorest user, leave one swarm fat sheep. " conservative estimation, a month is new recently platform of lunar receipt for a loan, have on 1000, "Wen Zhou especially much " .
"We are killed again came back. "We are killed again came back..
The golden age of main forces of receipt for a loan, arrive again...
Buy data
Players of these receipt for a loan, obtain a guest to basically have two kinds of kind.
One kind is direct cooperate with loan supermarket.
"Cash is borrowed after superintending, the cash that will put in is borrowed less and less, the business very suffer an effect. " Gao Jie of loan supermarket boss says, right now, players of receipt for a loan came on stage.
Recently, he got many cooperative mail.
"Be such-and-such loan supermarket excuse me? Look for you to cooperate, if be willing here answer a word to me. " those who feel puzzled is, their both neither leaves small signal, also do not tell mobile phone number, after getting mail replies only, the other side just shows a body again.
Even if continues to chat greatly, they also use QQ, do not show a body. Still return change horses shell back and forth even, not stationary use is same a QQ. Calculate collaboration, the other side also does not sign company contract, and turn directly through QQ Zhang.
After the line on these products, or diversion arrives H5 page, or is date of small letter public, look " very frame-up compasses " .
"I saw next interest, get high fearsome, I know basically, they are hole users, so we give their diversion half month, need 50 thousand yuan to advance first, diversion cost calculates additionally. Diversion cost calculates additionally..
So slashing condition, player of receipt for a loan also is met scramble for sth.
"Once you cooperate with a such company, can emerge to pile, a 50 thousand a 50 thousand, come money falls very fast. " tear apart cut, they come in great numbers. "We know, oneself business not to be exposed to is smooth, just contact with any collaboration, also need clinking vigilance. Also need clinking vigilance..
Previously, loan supermarket is not willing to receive receipt for a loan, because meet " harm an user, influence fame " . But cash is borrowed refluent later, their business suffers an effect greatly, "Previously income of a month 500 thousand, now 30 thousand be less than. " the fat that comes to sending newly, make a person very difficult refuse really.
They begin " one hungry is not choosy about his food " , repel no longer product of receipt for a loan.
Besides cooperating with loan supermarket, they another mainstream wins guest way, it is report is sold. How do they obtain the phone of loan user?
"Loan supermarket, urge receive company, cash to borrow platform, can buy the data of the user. Can buy the data of the user..
One professes to borrow money the business affairs personnel of the supermarket, peddle on the net user data, saying is to be " receipt for a loan " the quantity is made personally. These selling that data dimension is spent, include component of mobile phone date, full name, Id date, QQ date, sesame seed.
Such a data, quote 6 yuan, and can measure big from actor.
In addition, return those who have a few frame-up plan to urge control a company, also selling user data.
"Opposite for, arrived appoint outside urge the user that close, aptitude is met all but, already was urged to had closed a lot of times, so, it is a lot of cheaper to urge the data that controls a company, a few wool can buy. " and they think of to take most, it is the data that cash borrows platform -- this is the directest, and user quality is best.
They are contacting a few small cash reserve in a bank that prepare to work no longer actively to borrow platform, "We help them change again show, he Le is? " however they also know, last year after June 1, law of national network safety is promulgated, business data 50, attribute illegal action, "We want special caution, change a few waists-coat more " .
After obtaining data, a few girls begin phone sale.
"Do you need loan now, want cent of your sesame seed to pass high 500 minutes only, here hundred minutes of loan. " they say, because user essence is accurate, make 10 telephone calls commonly, the person that has an in part can be done calm.
From obtain a guest to begin, a catching cash borrows the trap of the user to already was formed, pull the user step by step to abyss.
Of accrual tall
How does the wind of receipt for a loan accuse to do?
"The sesame seed that needs you divides prep above 500 minutes, provide number of Id, address, mobile phone even, upload hold Id photograph. " they say, but such returning far insufficient, they are done even decide address book.
User of their meeting requirement, download synchronous assistant of a QQ or net dish, address book synchronism, let an user inform Zhang date and password, next they download address book again. After obtaining these data, they just dare loan.
The interest of receipt for a loan is gotten high fearsome.
"Risk of this group of people is too high, all affirmation want to cover high risk with high interest. " they say, "The accrual of major now receipt for a loan, it is so operation, 700 yuan, borrow 7 day hind, should return 1000 yuan of;1000 yuan, borrow 7 days, want to return 1500 yuan. Want to return 1500 yuan..
User Su Mou already borrowed 7 receipt for a loan some nowadays, in one's hand 7700 much, should return 13 thousand, impose fine of exceed the time limit, already boiled nowadays 52 thousand.
And grow when loan, all be a week.
"You should go up in leasehold treasure platform first, add the factitious good friend that exceeds benefit to borrow, next the receipt for a loan that they ask I release 2000 yuan. " some weighs Su Mou.
For the first time, the person that overtakes benefit to borrow can go up in leasehold treasure, give him 500 yuan, next Su Yiyao turn 500 yuan to the other side again go back; catchs the other side to give him again 500 yuan, 300 yuan, need to turn go back.
700 yuan when turn till finally, just be final in one's hand money.
That is to say, some lent Su Mou 700 yuan, owe 2000 yuan receipt for a loan on leasehold treasure however.
These 2000 yuan " receipt for a loan " , make the chip of the other side.
Because of Su Mou some returns money unlikelily, because unless return 2000 yuan, otherwise impossible " sell " . He can fall through the line only or other way returns money, the person that lets exceed benefit to borrow next comes " annul " .
"The other side can let me be on small letter, turn 1000 yuan to him. " some weighs Su Mou, most of hole is, a lot of moment, he returned money, the person that overtakes benefit to borrow far from " sell " , still pull him directly black.
"Leasehold treasure can be urged receive me, let my reimbursement. I and they are communicated, say actually already reimbursement, still can offer turn a record, but leasehold treasure does not admit. " Su Yiyao says, this kind of moment, he can be gone to again only in the receipt for a loan of leasehold treasure, reimbursement 2000 yuan, ability is sold.
This is equivalent to, borrowed 700, returned however 3000.
"These furtive turning paragraph behavior, we go very hard qualitative. " the customer service personnel of leasehold treasure says, "In case be a good friend between turn paragraph, red bag? If our privately removes receipt for a loan, cause dispute probably " .
Customer service personnel suggests, below this kind of circumstance, party had better call the police, if police gets involved investigation or forensic court decision, offer relevant proof, they are OK " application stops to urge close " .
"The stranger that must not go up with the net produces leasehold action, the leasehold ability that must be ripe world is OK. " customer service personnel emphasizes repeatedly.
Will look so, the loan requirement that exceeds benefit to borrow receipt for a loan simply " persist unreasonably " , why is borrower returned can jump at?
"They too lack cash, when doing not have money, what condition can be received. " they say, this group of people are like pair of leasehold addiction, "Drug addiction fit, you resist how possibly " .
Atrocious urge close
Exceed benefit to borrow receipt for a loan to be like an abyss, once step, do not have the opportunity that flee for one's life at all.
The fine of exceed the time limit of receipt for a loan is extremely tall, default a day, be about to punish 300 yuan two. If be returned? "That the darkest one act is about begin. " they say, exceed what benefit borrows receipt for a loan to urge close, it is very cruel.
If be a female, they can hold the woman the photograph of Id, p is become naked according to, browbeat next borrower, if not reimbursement, direct group of close friends that send borrower.
If be the male, become the photograph that lies in funeral parlour with respect to P. "In our group enrolled a design technically, do this thing. " they say, send picture of a small urn, P, this is more commonly used method.
Below this kind of high pressure, very rare borrower is endured so that live.
Will look so, exceed benefit to borrow receipt for a loan to be without a doorsill almost, they hide in underground, a few people can leave dry. Win a customer cruel, wind accuses simple and crude, use tool of receipt for a loan, do decide address book, can loan. And urge closing is to be without a bottom line more.
The leasehold demand of the most rock-bottom user is borrowed to activation by cash, and nowadays industry stop a machine by cutting off the power, these users can emerge toward underground only move.
Exceed benefit to borrow receipt for a loan, the person that becoming the biggest cash reserve in a bank to borrow fructification to reap -- this is a when the industry sentences beforehand inevitable final result almost. But to these users, this is a bigger disaster undoubtedly.
"Complain, platform of tool of receipt for a loan does not support; to call the police, this bit of money is less than accept amount; to sue, where is rich, time goes bad news? " some says Su Mou, here still belongs to superintendency blank, nobody can protect them.
Once step this abyss, almost very difficult whole body and retreat.
"Touched receipt for a loan, blind lane " .
They are in will by tens of thousands the user pulls abyss, extort their last dribble water. Although earn money easier and easier, champaign is more and more panicky however, because each pace is " dangerous " , each minutes of money is sordid.
"Our office hides in a basement, outside connecting, sell dare not nod. " they say.
Play fire person, also be enveloped by conflagration surely.
