More than 6000 online loan companies are currently bankrupt, with only 29 remaining. Netizens: How many young people should have been trapped

Tech 2023-05-19 13:28:08 Source: Network

A typical pig killing scam is the "P2P" online loan scam, where scammers register a seemingly legitimate online loan platform and publish fictional high-yield investment projects to attract investors. scammers promote and promote these projects through various means, such as WeChat, QQ, SMS, etc

A typical pig killing scam is the "P2P" online loan scam, where scammers register a seemingly legitimate online loan platform and publish fictional high-yield investment projects to attract investors. scammers promote and promote these projects through various means, such as WeChat, QQ, SMS, etc., promising an annualized return rate of up to 10% to the general public, The 'Lending Treasure' back then was a typical example.

Never use loans to support overdue online loans. There are actually very few people who maliciously exceed the deadline. Therefore, when we are really about to exceed the deadline, we often cannot pass the psychological barrier. Adding online loans to borrow money is relatively easy, and it is easy to borrow from east to west. There is no risk of overdue loans in the short term. However, once the loan support model is started, when the repayment date arrives, we will face multiple platforms overdue at the same time, which is more likely to crash, and debt will not disappear but will increase.

Since the establishment of the first online lending company in 2007, the market response has been very good. Later, a large number of online lending companies have grown like mushrooms after the rain. When the scale of online lending was the largest, there were over 6100 companies with a total amount of 5 trillion yuan. In recent years, with the country's rectification, multiple online lending companies have successively gone bankrupt.

The total amount involved has reached over 800 billion yuan. Perhaps some people sympathize with these online loan companies, as they have no way to claim over 800 billion yuan, and the remaining 29 online loan companies seem to be struggling. However, it has been thought that without the illegal behavior of online loan companies, many young people have been harmed.

Online loan platforms do indeed offer loans to young people, but they need to pay interest rates of over 30%, and the vast majority of online loan platforms operate almost the same.

Nowadays, low interest rates have become a gimmick for online loan companies to promote. After the loan, there are also handling fees, interest rate cuts, and so on. It is common to borrow 10000 yuan to repay 20000 yuan. As young people (mostly students) have not had much experience with financial management, they do not have much recognition and understanding of interest rates. Seeing those "8%" or "10%" interest rates immediately makes them moved.

Many people don't know that from the beginning of analysis, there are more than just a lot of interest, and there are also many service fees that need to be included in the "interest" range. In the end, if you don't have enough money, you will threaten the borrower with "inform family".

In 2020, a 22 year old girl jumped down from the 18th floor due to an online loan and ended her life. Later, she found out that she owed an online loan, which required tens of thousands of yuan per month for repayment. How could a college student have the qualifications to borrow so much money, which required 30000 yuan per month for repayment? You can imagine what this money is.

With the country's crackdown on online lending in accordance with relevant regulations, some informal software has been forced to close. People may wonder, do we still need to repay the money we borrowed? Is this a problem! I'm not interested in credit reporting anymore.

Therefore, when borrowing money, everyone must consider their own income situation and not blindly expand debt risks. If they are not sensible enough and do not know how to save money in the past few years of the epidemic, who can they rely on in the future when their parents are really old?

A gentleman loves wealth, takes it wisely, and uses it with moderation. If you really need money, you must rely on your own efforts to make money, pay attention to frugality and accumulate wealth, and achieve a proper way of obtaining it. Don't consume blindly, don't squander money recklessly, and use it wisely.

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