Recently, Blue Whale Finance noticed that the official *** face of Home Credit Consumer Finance*** operation of all subscribers pushed a message showing "Your borrowing qualifications have been restored", which has now been read by more than 100,000+. So Home Credit has started to do new loan business again? Blue Whale Finance conducted an in-depth investigation into this.
Click to enter the message pushed by Home Credit Consumer Gold, the page shows "Take money immediately", giving people the illusion that it is not like borrowing but welfare, but Home Credit is also licensed to spend money, borrowing is borrowing, this advertising is a bit bluffing.
On the "Get Money Now" page, you can see that Home Credit Consumer Finance is currently channeling traffic through several platforms such as Foreign Money Bank, Lexin, You and Me Loan, Hello, Du Xiaoman, Xiaoying Card Loan, WeBank, Instant Consumption Anyihua, and Weparticle Loan. The actual annualized rate of many of these products is close to 36%.
After clicking "Get the money now", you will be redirected to a new H5 page, and the largest advertising space will be replaced in turn in the near future, which is nothing more than the above-mentioned loan platforms.
Therefore, the former first brother in the consumer finance industry has now begun to do loan assistance as a last resort, and high-quality assets have been divided among them.
In this regard, the person in charge of the compliance department of a consumer finance told Blue Whale Finance: "Theoretically, consumer finance companies are clearly stipulated to only accept less than 24% of the assets. It pointed out that most of the people who have paid attention to Home Credit Consumer Finance are people who have borrowed 24% interest rate loans on Home Credit Consumer Finance, and it is difficult to evaluate whether the supervision allows Home Credit Consumer Gold to return blood in this way, but there are compliance flaws in this method.
In fact, Blue Whale Finance has learned from many parties that Home Credit Consumer Finance has been adopting a "strategic avoidance" strategy since the risk exploded. In the market, it is difficult to directly connect with the internal personnel of Home Credit Consumer Finance through normal business channels. So how do these loan platforms get in touch with Home Credit Consumer Finance?
An undertaker told Blue Whale Finance, "The people of Home Credit Consumer Finance do not dare to sell users directly, and we are indirectly connected with them through a third party like a certain technology company." It said that the senior management of Home Credit Consumer Finance will intentionally select several ** merchants to indirectly match to do traffic diversion for the loan platform, and Installment is the largest undertaker of Home Credit traffic.
Another undertaker confirmed the above situation, "It has been two years since Home Credit Consumer Gold was diverted to the outside world, and I don't know if the supervision has found it or allowed it." It pointed out that the diversion channels of Home Credit Consumer Finance are not only its APP, Alipay life account and other platforms, etc., but also all channels are external diversion. Most of the undertakers are platforms with 36% of the products.
The cooperation between Home Credit Consumer Finance and the lender is that the loan platform provides Home Credit Consumer Finance with an H5 through a third-party institution. Let Home Credit users click through a variety of channels to jump to a new page, and then sign up and take out a loan. In fact, there are a lot of new users introduced by Home Credit Consumer Finance, and Home Credit's external diversion and new recruitment actions in the past two years have been very successful, which can help them recover a lot. An industry person familiar with Home Credit consumer finance said.
Home Credit Consumer's traffic undertaker will not follow Home Credit Consumer's data such as user conversion rate, nor does it do a very complex interface or monitoring. ** is to settle according to a new UV. A lender who undertook the flow of Home Credit consumer funds said.
Yes, most of them are based on pulling a new user to the desk. However, it must be a new user, not an existing user. Another industry insider familiar with Home Credit consumer finance said.
Home Credit Consumption Gold This bowl of diversion rice can be eaten for two years, and it also has its corresponding capital.
We chose the channel because the export through Home Credit is his own stock of consumer gold users, and the quality of Home Credit users is relatively good, which is very good for improving our business scale and reducing risks. A receiver said.
Another important factor is that Home Credit Money's diversion fee is very cheap, which is lower than the diversion fee of other channels that we currently work with. ”
In addition, the licensing of Home Credit consumer finance is also a big concern in the consumer finance industry.
Blue Whale Finance learned that Home Credit Consumer Gold wanted to sell the consumer gold license in its hand, which belonged to "before leaving, it is a point to be able to fish back." ”
The biggest decisive factor in the disposal of Home Credit Consumer Finance licenses is that the regulators do not allow them to sell. The financial license is not to be sold in order to do bankruptcy. Another industry source said.
An industry veteran agrees with the above situation, "There are reliable sources that two buyers have reported to the regulator, but there has been no follow-up. ”