Recently, the Economic Investigation Corps of the Shanghai Municipal Public Security Bureau, together with five public security bureaus including Putuo and Pudong, successfully cracked a series of cases of using illegal apps to attract traffic and carry out usurious lending. 67 criminal suspects were arrested, and more than 10 illegal online loan apps were banned, and the amount involved amounted to 2More than 400 million yuan.
In fact, there are many such blatant illegal use of apps to lend money, commonly known as 714 and anti-aircraft artillery. Before the era of masks, this kind of thing was operated like flies in this land. It seems that an individual spends 20,000 or 30,000 yuan to make an app, find some illegal loan platforms to put them out, or directly promote them through **, and you can lend. Very arrogant. At that time, many wool pickers also liked this kind of thing, and all of them used fake information to cash out. And those large-scale illegal lending apps such as Aiqianjin, CreditEase, Little Elephant Youpin, etc., which directly collect interest and various handling fees, are now laundered into legal identity, and it can only be said that double standards are everywhere around us, and they are proper yang schemes.
This time, Shanghai's practice is actually a routine operation and should be divided, but it makes people feel excited, which has to be said to make people feel a little sad.
The names of the illegal usury lending apps provided by Shanghai ** are as follows:
Credit spending, urgent money, fast borrowing, easy loan, emergency treasure, free borrowing, worry-free second loan, credit turnover, credit spending, fast wallet, assured wallet, installment wallet.
In fact, I don't think that non-bank inclusive finance itself should not exist. I don't know when advanced consumption of credit overdraft has become the mainstream in China, and in 2023, the number of people in debt in the country will be close to 800 million, and the average debt per capita will be as high as 140,000 yuan. Let me ask, if the so-called private inclusive continue to lend, how to repay it in such a sluggish economic environment?What happens if we are unable to repay a large number of bad debts?This is the favorite era of many people in the non-performing asset industry. Just this August, the industry held a national workshop.
In the eyes of these people, the non-performing asset industry is entering its third decade of development, and the future is a blue ocean. The next 5-7 years may be the leading period for China's non-performing asset industry. This ** coincides with mine. Because the next five to seven years will be the most critical and urgent years for China's economy, and if we can't lead or at least match the United States in cutting-edge research, then we will be very aggrieved for quite some time (relative to a strong international posture), because we are already lagging behind in the most critical lithography machines, 6G and artificial intelligence. In such an environment, if we do not reach the most advanced and sophisticated technology in the world, we will not be able to drive the progress of the overall economy, and it will be difficult to achieve the desire to rely on domestic demand to promote the overall improvement of the economy.
And for those in the distressed asset industry, how to do the "best business" in the "worst times" is their slogan. They are always saying, "For individuals who are engaged in or preparing to transform into non-performing assets, whoever can take the lead in grasping the investment, disposal, and realization of problematic assets will seize the opportunity to create wealth in this round of non-performing assets trillion-dollar market." "That is, they will step on the heads of a lot of people who are overdue in debt, make money, make a lot of money. Let's see, in the foreseeable future, collection will be more legalized, whether this will lead to more and more boiling people, I will continue to pay attention.
The advanced consumption of credit overdraft has completely changed the three views and lifestyles of Chinese, especially young people. If you look at the history of these years, my personal opinion is that this is a thing that will do more harm than good. Lending is an ancient industry, but if it becomes the mainstream of the whole people, and becomes the mainstream values and consumption outlook of most people, especially young people, then we will enter a state of always being in debt, and the debt of the people at the top of the head will naturally overwhelm the middle and low-level people, then the world will only develop from the disguised oppression of human beings themselves, to the whole earth, from the overspending debt of individuals, to the overspending debt of the country, and finally to the overwhelm of the whole earth.