Author: Russell, the sister, title figure from: Vision China
Recent regulations have tightened, credit has shrunk, and the old guys who live exclusively on babbling have become utterly speechless, and have begun to turn their attention to new areas.
Credit leasing is becoming their key target.
When they committed a crime, they only need to pay a few hundred yuan or even zero down payment, they can take away a mobile phone, sell it for sale, and earn thousands of yuan per order.
“A platform has been robbed of thousands of mobile phones and lost nearly 10 million.” The risk control officer of a credit leasing platform revealed that the bad debt rate of some platforms is as high as 10%.
Two years ago, the rise of credit leasing and dozens of platforms appeared in the industry. They used to be ambitious and claimed to overturn “consumption instalment.”
How is this model that once flourished and supported by the giants?
新 口子
The elder brothers who used to be vocal are now dead.
Under the pressure of supervision, 714 and online loan platforms with high interest rates have basically stopped lending. But the old man’s “puppet” living habits have been developed, and it is difficult to quit.
“Borrowing money is like taking drugs. It’s addictive. Where the money is, it’s uncomfortable without borrowing it.” An old man once described his “heart addiction.”
So they started to look for new ideas and loopholes.
In the past six months, the old guys have saved credit cards, played the surrender and rebate, and also tried to win the provident fund.
The latest favorite is credit leasing.
What is a credit lease?
Around 2017, this model started to become popular, with dozens of platforms appearing.
Users can pay 10% down payment or even zero down payment through their own credit, and rent mobile phones, cameras, notebooks, luxury goods and other items.
The Sesame Credit and JD.com’s Xiaobai Credit pages are online.Many credit leasing products. Giants see it as part of their “credit life” and channel these platforms.
Recently, older brothers and intermediary groups have started to pay more and more attention to credit leasing, and a complete rent fraud industry chain has gradually formed.
In the online loan group and brother forum, posts about credit leasing began to appear.
An intermediary posted on the forum to attract brother Jiji
Intermediaries who have experienced fraudulent loans are completely reducing the dimension in the area of rent fraud.
“The risk control of credit leasing platforms is much looser than that of credit.” Yang Quan, who has been working as a credit intermediary, recently switched over, and he found that The core risk control of most credit leasing platforms is the “credit score” .
So, his general standard for soliciting customers is that Sesame Credit has a score of 600 or more.
“撸 This process has no gold content, it is to log in to various platforms to test, priority is given to free of deposit, Apple iPhone is preferred.” Yang Quan said.
A mobile phone costing seven or eight thousand yuan may require a down payment of seven or eight hundred yuan and maintenance insurance.
“We will charge a few hundred yuan for technical guidance for a mobile phone.” Another agent said.
As in the credit field, intermediaries continue to test the risk control of various platforms every day. “Which platforms release water, focus on attacking.”
“There should be water in Alipay’s Treasury lease. Everyone can try it.” At the Canon Forum, the brothers will also disclose information.
“A user can test dozens of platforms at the same time. At most, one user comes down to 10 platforms.” Yang Quan said that in the field of credit leasing, information is not shared and there is no concept of long lending.
In the words of the intermediary, risk control in this area is still