This article is from the WeChat public account: a book (ID: yibencaijing) , author: a wooden, title figure from: IC photo
A year ago, the CCTV “3.15” party exposed 714 anti-aircraft guns, which triggered an industry earthquake.
Since then, the industry has fallen apart, with some exiting, some going to jail, some fleeing, some going to sea.
In the activist group of borrowers, there is a leading figure. A year ago, he yelled loudly, looked for media, and successfully caught the attention of CCTV.
Someone said that he was the driving force behind the “3.15” exposure of the 714 anti-aircraft gun, and he did not deny it.
“Last year 714 went down, this year I will continue to expose 815 anti-aircraft guns.” When this year’s “March 15” approached again, he was ready to fight again …
One, “3 · 15” storm
“This year’s” March 15th “will expose 714 anti-aircraft guns.” One year ago, when a book of finance and economics interviewed Zeng Yifeng, he said so.
He is the owner of a borrower’s rights group, all of whom are victims of 714 anti-aircraft guns and online loans.
Before that, he frequently contacted various media, hoping to expose 714 anti-aircraft guns and illegal online loans-CCTV was among them.
CCTV reporters are here. Under the arrangement of Zeng Yifeng, several victims in the group were interviewed.
By the night of the March 15 party in 2019, the group was a little quiet, and everyone was waiting secretly.
Finally, the news about the 714 artillery came out, and the WeChat group instantly boiled-thisThe victims in these pictures are members of this group.
“I already knew it would be broadcast, but when I saw it, I still felt shocked.” Zeng Yifeng said that when he saw a victim’s densely written debt platform picture, this feeling Especially strong.
After the program was broadcast, a rectification operation against the 714 and routine loan disorder was launched nationwide.
The March 15 party in 2019 has thus become a watershed moment for the industry.
Some people say that Zeng Yifeng was the driving force behind the “714.15” exposure of the 714 anti-aircraft artillery. He did not deny it, and he felt quite fulfilled.
Now, in the eyes of many borrowers, Zeng Yifeng’s image is “leader brother who leads online activist rights.”
Zeng Yifeng’s struggle with online lending started in 2015.
At that time, his friend owed money to the platform, and he was urged to collect it.
“Why are you with Lai Lai and help him pay back the money!” the other party shouted at Zeng Yifeng.
“Why do you have my contactformula? What kind of routine is this? “Zeng Yifeng was very angry about this and started to study online lending and related regulations.
Zeng Yifeng said that he was a more real person, “I am angry, sometimes I am stubborn because of one thing, sometimes I am horny.”
He concluded after doing some research: No matter what the fees are charged, financial products with a comprehensive annualized interest rate higher than 24% are loan sharks; and networks with higher interest rates < strong> Loan, “is synonymous with rogue, all sooner or later will be banned, because it is too harmful.”
“Apart from Alipay Lending, Jingdong White Bar Gold Bar, and Particle Loan, most of them are usury loans, and the interest rates on the surface are not very high. However, adding up the handling fee, the interest rate has exceeded 24%, and it will Collection of violence. “
He followed the internet loan and decided to fight to the end.
Second, alliance formation
Zeng Yifeng started to take further action.
He told his friends: “The money you borrowed has expenses that you didn’t tell beforehand. Don’t pay them back. This is usury.”
He knows to mobilize the media fully-he posted this to Weibo and @ various house media.
In the end, he won a lot: the platform asked him to delete Weibo, “no money to pay back.”
Zeng Yifeng felt some tricks, but he felt that he still lacked the experience of playing in person.
He decided to “test the poison by himself”.
In the second year, he tried to borrow money on a large platform by himself, “either financial difficulties or attempts”-he wanted to experience how the borrower felt.
He borrowed 8,000 yuan and deliberately overdue. After that, his ID card was sent to the person on the mobile phone address book by P group. “It is said that I have AIDS and have no money. I want crowdfunding. It will be 10 yuan or 20 yuan. “.
On this matter, he continued to post Weibo, @Media.
“Successfully resolved it later, the principal was 8,000, and 6000 was returned.”
What Zeng Yifeng hates most is violent collection.
Some borrowers found him via the Internet and sent a recording of their violent collection. listenAfter more, sometimes walking on the street and seeing young people with yellow hair, tattoos and talking loudly, Zeng Yifeng would have a feeling: “This person is the collection.”
“It feels like this society has no love, no justice, it’s all about money, and it doesn’t do anything evil.” He said, the darker he gets, the more he resists.
Someone left a message on his Weibo: “Debt repayment is perfectly justified. If you don’t pay back, you will be Laolai.”
He will straighten out: “You are either a platform or a collection. I urge you to change your evils early and surrender, and you may be able to get away with it lightly.”
Because he exposed all kinds of online loan shady online, he became a celebrity on Weibo, and most online loan platforms know him.
This is the person who is most afraid of the major platforms.
The platform side has come to find the stubble. Zeng Yifeng is not afraid. The more he frustrates, the more brave he goes.
The platform wants to buy him, Zeng Yifeng does not accept, “If I do n’t send it, it will kill more people.”
Slowly, more and more borrowers find him and tell their pain.
He found that The number of online loan victims as a group is so huge, and as individuals, it is also so lonely— “Lending with loans is really harder than going to jail, only those who have borrowed money To understand. “
Actually, under pressure, borrowers with light thinking are not a minority.
Since 2015, a private letter on Weibo, Zeng Yifeng, said that there were “at least fifty people” who wanted to commit suicide, and “at least one hundred people” who lost their jobs.
Zeng Yifeng said that before and after, he gave ideas to more than 1,300 Internet loan victims who were on the verge of collapse.
If the borrowers are scattered all over the place, they will only be slaughtered by others. Zeng Yifeng started to build various Weibo groups and WeChat groups.
A strong, organized alliance is gradually taking shape, and the core of the alliance is precisely Zeng Yifeng.
Three counterattacks
Zeng Yifeng has gradually become the leader and spiritual trust of this group of borrowers.
“He is very patient and can listen to me for two hours. He did not make money by helping us defend our rights. Everyone is convinced of him.” A borrower said.
His appeal is getting stronger and he starts to organize everyone to fight back.
He told his group of friends: If he borrows money from a licensed, credit-seeking online loan platform, the principal must be paid off, with an annualized interest rate of up to 24%.
“Those with arbitrage loans, violent collections, and interest rates exceeding 24% set by the state, do not pay them back.”
Not to mention the anti-aircraft artillery: “If you pay back the money, the platform will have more money to lend, and it will hurt more people. Paying back money is to help you. “
He even believes that the old brothers who lent money are “to kill the people.”
In the group, he encourages borrowers to take action on their own:
First, step by step complaints and safeguarding rights , first gather complaints and black cats, then the Letters and Calls Office and the Mutual Fund Association, report to the Public Security Bureau in the middle, “finish the procedure”, and finally Take legal action.
Secondly, complaints must speak with facts. The bank flow, loan contract and violent collection evidence to be uploaded to the account cannot be generalized.
“If you sue, the other party finds you are not easy to mess with, and knows that you have sufficient evidence, and sees that your principal is paid, you will not be urged.” Zeng Yifeng said.
In addition, you can also post Weibo to get media exposure.
This last point is very important-let the society and regulators hear the voice of the victims of online lending.
Zeng Yifeng’s approach is very organized:
After sending Weibo, he will directly @authoritative media such as CCTV, Xinhua News Agency, Caixin, Finance and Economics.
After contacting him in the media, he will set up a separate interview group and recommend interviewees.
Through this method, Zeng Yifeng has made a remarkable achievement.
He said that he has organized a total of fifteen or six media interviews so far.
One of them is the “Internet Loan Chaos Survey” broadcast on CCTV’s “Attention Today” on July 14, 2018.
The other time is the “3 · 15” party that shakes the industry in 2019.
In addition, in July 2019, Zeng Yifeng bombarded a large platform that was beheading, and in August, this platform was filed for investigation.
“My purpose is not to help the borrowers defend their rights. My purpose is to bring down the platform and make the platform thunder.” Only in this way, these platforms will not kill more people.
Resolute will, strong execution, and “lethality” make him the most timid for online loan platformsThat person.
四 、 Variation
A year has passed and the online loan industry has turned upside down.
Zeng Yifeng found that compared to a year ago, there are now a lot fewer online loan platforms.
A thunderstorm, an exit exit, a transformational transformation, a run-away run … In January 2019, he can still see more than 4,000 online loan apps in the market, and by November 2019 There are only over 400 left.
Media reports that in 2019, the Beijing police alone killed more than 130 routine loan groups and involved nearly 4 billion funds.
Also, the attitude towards collection has changed.
“Now the status has been reversed, and the collection is much milder than in previous years. At most, it says‘ credit at the meeting, and you will sue if you do n’t repay. ”Zeng Yifeng said.
Negotiate now, the attitude of collection is better. Previously, many borrowers’ negotiations were rejected.
Slowly, there are fewer people asking for help from Zeng Yifeng-in his group, one after another, one after another, the people who came ashore, “don’t want to stay in a sad place anymore.”
At the peak, there were seventy or eighty borrowers in Weibo private letter Zeng Yifeng asking for help each day, and now there are seven or eight.
In large part, this is due to the continuous exposure of the “March 15” party and subsequent media. Everyone has a lesson.
After “3 · 15”, many people who had been stupid before returning to 714 were awakened and “don’t go back”.
Some people are even annoyed: “I knew this, I might as well borrow a few more 714, I can’t borrow it now.”
But recently, things have reversed a bit.
Under the epidemic, new anti-aircraft guns have begun to appear as the crackdown on routine loans has been suspended.
This time, they came more ferociously.
