Don’t let the fancy consumption loan "pit" you have not discussed
The plastic mechanism tells the college students who have just taken into society, they can change their lives. If they have no money, they can lend their stages; the leased company tells the tenant, spending some money can be exchanged, if there is no money, you can lend a staging; adult vocational training Tell the workplace, spend money, you can let you quietly pull up, if you have no money, you can borrow a staging … In recent years, the word "lending" is increasingly combined with marketing words.
Under the temptation of "big cake", many consumers are getting deeper in "pit". According to reports, Wall Street English has been suspended, and "lending students" is placed in retired fees, but they must pay for the two difficulties of high loans. Many of them have reached 6 digits, and some even reached. More than 400,000 yuan.
Loans are not fresh things, and people commonly used credit cards are also part of loan consumption.
Nowadays, in addition to people familiar with car loans, mortgage, it has also been derived from new loans, loans and consumption, and the loans and consumption, and more closely Contact. If you 上海普陀足浴一条街 don’t strict supervision, "Pie" is likely to be "trap".
Because once the loan is combined with the specific consumer content, coupled with product marketing staff, it is easy to stimulate consumers’ money desire to form irrational loans, irrational consumption. Baldria once proposed the concept of "consumer society", thinking that many demand in life is that people build, "consumer loan" can see the extension of consumerism from product links to the funds, there are many "Pit" needs to be filled with laws and regulation. On the one hand, many consumers have encountered inexplicable "consumer loans". The platform is bound to a consumer loan product to installment. Some merchants will deliberately conceal the loan fact, just say to consumers to handle installment, 上海闵行区419会所 once there is no Timely discovery, it will become "lenders" will become a "loan"; on the other hand, many lending platforms have low interest rates and fast lenders. The actual interest rate may be much higher than the bank interest rate, and will be carried out through illegal means The "beautiful loan" in the "Black Storm" in the "Beautiful Loard" in the "Sweeping Storm" in the previous period, so that the audience is not cold. In addition, most "consumer loans" will directly enter the merchant account. This will transfer the risks to the consumer. Once the merchant is closed, the volume is running, or the consumer is not satisfied with the quality of the merchant. It is difficult to retreat. Fees, etc.
In terms of governance, it is necessary to speed 上海浦东新区站女 up the consumer credit laws and regulations and policies to advance, do heavy punch, boxing to meat; also build a full chain, the overall process of supervision system, appropriately improve the eligibility threshold for business, strict Review the industry main body of the "consumption loan", severely crack down on illegal loans, illegal projection, fraud, and cut off the gray interest chain between the merchant and the lenders. In this way, the consumer loan can lead to the correct channel.