Produced by Huabo Jingwei.
Violent collection - this term that was only linked to usury and online loans in the past is getting closer and closer to the turn of second-hand e-commerce.
In November 2022, the second-hand e-commerce platform Zhuan held a brand upgrade conference, announcing its transformation into a circular economy industry company, and playing the slogan of "second-hand saves the world". However, 1 year and 4 months have passed, and the second-hand business has not improved much, but the layout of the financial business has become more and more conspicuous. In addition to diverting the flow of online loan products for many financial institutions, the self-operated leasing business "Fun Rental Machine", which was transferred online, also broke away from the original intention of leasing and began to copy the old path of "high interest" and "violent collection" of online loans, which was considered by many ** to be "open rent and actual loan".
On the Black Cat complaint platform, there are 372 complaints related to "Fun Rental Machine", but the content of the complaints is rarely related to "leasing", and most of them involve "usury" and "violent collection". A black cat complained that the user said, "I rented an Apple 13 on February 10, 2022 on the fun rental machine of the transfer platform, and the contract price was 9784 yuan, and the contract price was set by their company themselves, which completely exceeded the pricing of the mobile phone itself, at present, I have paid for 21 months, and the 480 mobile phone principal plus interest per month costs 10,000 yuan, and I can't afford it anymore, at that time, Apple's 13 128g official website** was only 5999, which is a very unreasonable interest, It can be called usury. ”
Another user posted, "Recently, there were two overdue orders in Zhuan Zhuan Qu rental machine, and as a result, they threatened to come to the door to collect the phone and issue a lawyer's letter to intimidate, and even sent a text message to the contact person, conniving at the malicious harassment of third-party collection."
In addition to the constant thunder points of the fun rental business, other financial businesses also hide a lot of risks. Under the category of "My Wallet", there are a wide range of financial products such as clockwork borrowing, clockwork installment, borrowing money selection, and Anyihua, in addition to Anyihua, which is an online loan brand owned by immediate consumption, clockwork borrowing, clockwork installment, and borrowing money are all online loan supermarkets, which attract traffic to a number of online small loan products. Taking Clockwork Loan as an example, it cooperates with four online lending platforms, Juduoduo, Qian Xiaole, Doudouqian and Xiaoying Card Loan, emphasizing "big-name cooperation, formal institutions, professional services, and security and compliance". However, on the Black Cat complaint platform, some users posted complaints saying that they borrowed 8,000 yuan in the transfer of **, and the lender was Ju Duoduo, but the interest of 860 yuan for six months was charged for only one day during the loan period. Previously, it was also reported that the membership fee of Juduoduo's loan business was criticized, and the additional cost made the borrowing interest rate exceed the 36% red line.
On the one hand, he is doing loan business, and on the other hand, he is suspected of using a fun rental machine to do self-operated online loans, and there are all kinds of tricks to play finance, but in fact, he does not have a financial license. According to the company's information, none of the 14 administrative licenses currently owned by Beijing Zhuan Zhuan Spiritual Technology Co., Ltd., the business entity of the transfer, are related to finance.
Why do you have to bury your head in finance at the risk of being investigated and punished for unlicensed operations, of course, in order to make money. As early as October 2022, Yao Jinbo mentioned in his published "A Letter to All Students" that he asked all businesses of 58.com to be profitable in all cities by 2023. Later, Yao Jinbo said in an internal letter: bad business should be contracted, and it should be shut down and transferred; If it can't be profitable within the year, it will be cut 100%; Say goodbye to the big pot of rice and prepare for the winter in three years.
Although Zhuan Zhuan has never disclosed its own profitability, the net loss of Shouai**, which is similar to its business model, reached 2100 million yuan, 700 million yuan, 4700 million yuan, 8200 million yuan, 24700 million yuan, with a cumulative loss of 46 in 5 years700 million yuan, and it will not be until 2023 that Ai** has shown signs of profitability.
Unlike Ai**, which went public in the United States to obtain sufficient ammunition, since June 2021, it has received $100 million in Series D financing from Xiaomi, Shunwei Capital, etc., and there has been no new financing news from Zhuan. On the contrary, Yao Jinbo quietly removed his identity as a legal person in July last year.
In order to survive, it is understandable to follow the Internet trend to open up the financial field, but in the current situation of increasingly strict financial supervision, unlicensed people should be careful not to turn themselves dizzy.