On June 13, netizen small gain explodes the classics after makings is various media investigation report says, acquaintance is leasehold leasehold treasure puts platform in stranger sham acquaintance, offer " naked a loan " usurious behavior, already had the female undergraduate with not little amount to at present deep-set lair, leasehold treasure respect expresses to had launched investigation in the light of this matter.
Naked a blood that appear and disappear and tear
Want to make clear a concept above all, alleged " naked " , have borrow or lend money on platform namely when, borrower (female) need to use the naked photograph that holds id card to replace receipt for a loan. Should produce beak a contract not when reimbursement, put borrow a person to serve as in order to make public nude picture and the medium that contact with borrower parents coerce press borrower reimbursement.
In fact, "Naked " leasehold the usurious behavior that is one hundred percent, its loan interest rate is extremely high, the likewise exalted 10% loan poundage that adds platform collection and as direct as debt link up with, highest everyday collection owes principal and interest more than the administration fee of exceed the time limit of 30% amount, once produce exceed the time limit, borrower often can is immersed in " still do not rise today, tomorrow more still do not rise " awkward condition. Have explode the person that expect claims loan 1000 yuan, increase cash pledge, interest, amount of square final and indicative loan is platform 2300 yuan, but borrower is 800 yuan actually in one's hand, and need loan is paid off inside a week. Have more very person only loan 500 yuan, because be as high as the week interest rate of 30% and benefit,roll profit however, total in the time of 3 many months debt achieves 55 thousand yuan and insolvent, final experience is naked according to press for payment of debts extortionate even.
And according to the netizen " 9 father's younger brother of Beijing " explode makings, announce naked according to press for payment of debts to just urge the first condition that accept, still have some woman by Shanghai loan person " put under house arrest partly " , coerce its are done " network advocate sow " make money return money, undergraduate of Inner Mongolia some minority is urged to receive menace to let its " little an arm " wait for malign dun incident. So, rise together in this " naked a loan " the blood of incident and lachrymal backside, it make clear Hunan to just should assume what responsibility each after all is very important to make clear Hunan to just should assume what responsibility each after all.
The responsibility that must want to say attributions
Usurious put the high interest rate that lends a person, announce naked according to wait for behavior to be disobeyed already relevant and civil and even criminal law, here need not give uncecessary details.
The platform that leasehold treasure regards pull wires as to build the bridge square, the department of its neglect one's duty can say clear with 4 words: Superintend be short of break. The reason is as follows: One of, the basis of leasehold treasure, also be the industry that its belong to -- acquaintance is leasehold, claim on platform put borrow person and loan average per capita to come from bilateral and true friend to encircle, this listens go up it seems that very good -- because the existence of human relation can make debt relationship Anacreontic and convenient collect debt, but flaw depends on, leasehold both sides can promote this one flow completely -- a few do not have repay the borrower of ability (for instance undergraduate) to obtain loan, join loan QQ through the search first group, and put borrow gang each other to add a good friend to form alleged " true friend " relation, talk about requirement of good borrow or lend money (for instance naked according to replace receipt for a loan) hind, reach loan agreement on platform again, bypass platform is superintended finally finished look be like close of compasses put borrow.
Secondly, the platform characteristic that leasehold treasure takes great pride -- " mode is free: Amount, interest rate, deadline by put borrow person control " decided leasehold treasure to loan interest rate accuse to be short of break, this also got platform square acknowledgement: Sign up for a report according to boreal blueness, boreal blueness signs up for a reporter to ever called platform customer service with respect to interest rate problem, platform honest response says, platform is to be based on the one-way and faceless leasehold mode with the borrower real name that builds between acquaintance, friend, faceless lender, it is a platform only, reimbursement ability and proper motion of aptitude need user are judged, and if borrower and lender are furtive,undertake contacting reaching negotiation, platform just has no right to interfere. Customer service still expresses, the user needs a risk to be carried oneself when loan fund, the proposal is encountered " naked hold " loan this kind of circumstance can call the police processing. In fact, accord with P2P platform loan of the regulation annual interest rate won't exceed 24% , does Huang consider the week interest rate of 30% ?
Afore-mentioned the problem decided alleged acquaintance is leasehold at 2 o'clock platform is used very easily by usurious gang place, also decided platform just is in the difficult demit in usurious incident its blame.
But the borrower that appears an underdog looks to also be not fine long hair in this kind of incident unaccountable, knowing perfectly well the other side is usurious still risk danger in desperation chooses loan, know perfectly well film naked according to give the other side means the likelihood that is harmed, know perfectly well debt not to return the exceed the time limit below sequential circumstance, cause the other side to use naked according to apply pressure. Above behavior all is extremely not sensible and irresponsible to personal body. To these borrower I also only sad its are unfortunate, anger its are not contended for.
Mainer responsibility depends on relevant section and law superintend be short of break, although from this year since the beginning of the year, much ground begins to tighten up industry of each other gold to superintend policy thick and fast, but the relevant law that is aimed at Internet finance platform at present is not perfect still, only an appearance that carries out not formally still stalks of grain, even if released last year " the directive opinion that develops about promoting Internet finance health " , also made in the light of platform respect only can be set with what cannot be, swim to the fluctuation of platform leasehold square limitation still is a blank.
As a whole, each all just have the responsibility of different level and problem, brought about " naked a loan " the happening of this kind of abominable incident, but more important is, borrower is basic the attention that the identity that is undergraduate or strong graduate student caused me.
More tragedy happen in campus
Actually, the student serves as the group that does not have income, its individual credit is faced with toward contact a lot of be aware of not easily " feline be bored with " . Place of above paragraphs of no less than says, young student group, the problem of oneself depends on young impulse, peacockish, financial knowledge shorts, be on guard consciousness is fragile. Once oneself consumes demand to cannot get satisfaction, get very easily outside temptation and deceit, make not sensible choice finally.
Campus is borrowed is one of temptation, be short of as a result of what policy superintends likewise break, although be being hit,campus is borrowed " application advantage, formalities simple, loan is rapid " banner, but put in information examine and verify to serve cost laxly, high mostly (interest rate) , the problem of tall penalty due to breach of contract. Information examine and verify is lax basically reflect without examine and verify even platform is borrowed in partial campus to develop outstanding achievement, need a student to offer id card only, learn signal to be able to provide loan, this caused the be heavily in debt after the student borrow or lend money that does not have corresponding reimbursement capacity, and examine aptitude lax case is incidental still " be borrowed money " incident, namely consciousness of undergraduate information safety and ego protection consciousness are insufficient, identity information is used to apply for loan by other classmate, provided breeding ground to cheat those who borrow a case to cause.
Tall service is expended (interest rate) it is the another big trap that campus borrows platform, this year March, henan an undergraduate forgives debt of high specified number because of owing a campus and jump the building commits suicide, it is reported, it is brushstroke actually 8000 yuan campus borrows debt to pass money of loan, reimbursement, refinance inside half an year, amount of total finally reimbursement is as high as more than yuan 80 thousand unexpectedly. And more campus borrow platform to allege loan 0 interest rate, the poundage of collection high specified number, this is the marry again of cost actually, for example a 4000 yuan mobile phone, the student uses campus to borrow an installment plan to buy, the total amount that need pays actually can increase 20% , what some campus borrow platform is actual year change interest rate to amount to 35% above, and the Zhang of credit card is odd now wait for interest rate of reimbursement of frontal principal and interest to be in in installment 16% the left and right sides, major campus borrows platform actually of collection is to covert high interest.
Need not say more more as to tall penalty due to breach of contract, a few simple case are, according to Hangzhou " city wall bulletin " report, renown school borrows collection exceed the time limit to did not return the 0.5%/ day of amount to serve as penalty due to breach of contract, interesting in installment criterion the 1%/ day of collection loan amount, still have a few small lend a company amount of meeting collection loan 7% to 8% as penalty due to breach of contract. Have a few companies even in the beginning of exceed the time limit level does not urge a fund, the ability after 9 months begins to press for payment of debts, basically be for penalty due to breach of contract of collection high specified number.
Come so, still be immersed in the trap that usurious, interlink borrows very easily in the student group inside the tower of ivory, still not be over when the money that owes on the line, and entered a line to get online borrow blacklist to be able to no more be torn open east the wall fills on the west after the loan reimbursement of the wall, they are met more not sensible go choosing below the line usurious, lead to more tragedy finally.
Protective student strengthens superintendency no time to delay
No matter be through acquaintance leasehold platform puts borrowed usurious gang, the partial campus that still shelters evil people and practices borrows platform, their ultimate goal pointed to campus student group, and the protective student group with want better, still want get at the root of the matter, from most the superintendency of fountainhead sets out will solve a problem.
In fact, no matter be numerous and illegal platform,close half an year comes close stop, still be the ascendant development posture that Internet banking industry persists, make clear superintend tighten up had highlighted effect, but this is insufficient still, be harmed to prevent more and young group, strengthen superintendency no time to delay, I think above all, relevant section ought to refine relevant law laws and regulations soundly, strengthen the superintendency to Internet finance platform; Next, enterprise platform just ought to accelerate perfect risk to evaluate, the mechanism such as information exposure, the fill a vacancy that check leakage reduces the likelihood that is used by illegal gang, make clear each responsibility; Again, the financial knowledge that student group ought to enhance oneself and be on guard consciousness, should notice to save contract of record of consumptive proof, reimbursement, electron to wait to counterpoise as dimension in consuming a process for instance evidence, in addition still ought to rational consumption, overcome vanity, not excessive lead is consumed and vie blindly. Altogether, a perfect and legal Internet banking industry still needs each joint efforts, construction is not easy, and row and cherish.
