网贷:雨露甘霖还是带刺的玫瑰

时间:2019-07-16 来源:www.teempin.com

澳门凯旋门官网

One of the Internet loan investigation reports

Editor's note:

Internet loans, also known as P2P online loans. In recent years, there have been many criminal cases related to online loans in our district, involving theft, fraud, kidnapping, and even “routing loans”. In the courts, there are also many private lending disputes involving online loans. The defendants are mostly after 80s and 90s. Over the past year or more, our reporter has tracked and interviewed more than ten online loan borrowers and practitioners, including suspects of “routing loans”, looking for a case of painful lessons, and unveiling the little-known insider to alert the funds to stress and positive People who are ready to try online loans must keep their eyes open and choose carefully.

On the 1st, the money is 3029 yuan; on the 3rd, the order is 645 yuan; on the 5th, everyone is 1800 yuan; on the 8th, the country is 2,984 yuan; on the 9th, the bank is 3,768 yuan. In the mobile phone memo of Zhang Ling (a pseudonym), A long repayment slip was recorded. Half a year ago, she watched it almost every day, and then opened the loan app to repay one by one.

"Too tired." Zhang Ling said that the first thing to open your eyes every day is to pay back the money; before closing your eyes at night, you have to confirm what money you will pay tomorrow. "Because of the money of these small loans, you can't owe it for a day, or you will stop calling you, and you will explode your phone address book, find your parents, relatives and friends, they are full of swear words until you pay back. In 2016, Zhang Ling missed the repayment date of a sum of money because of negligence. The next day, the reminder directly called the phone to her leader, and the whole unit was well known. After half a month, Zhang Ling lost the job and had to resign from Yuhang to Linan.

xx张玲是个成功人士。 2014年,她毕业于浙江一所知名大学。第二年,她进入了城西科技大走廊的一家公司,月薪超过1万元,并获得年终奖。 “虽然收入很好,但与周围的人相比,总有一种差异感。”张玲说,她身边的女同事,都穿着靓丽,衣服价值几千元,包包都是大品牌,一个我一年会出国几次。

“在这个技术圈子里,你不能过时,否则你会被人瞧不起。你甚至可能对老板看不起,错过了发展的机会。”此时,张玲联系了在线贷款平台,觉得它比银行快。并且没有人要求,精心挑选了人人贷款等几个大平台。由于良好的信誉,她申请了50多万元,其中近10万元是在一个平台上。实际利率也高得惊人,每年增加约12万元。这些从天而降的“馅饼”使张玲的消费欲望得以扩大,吃饱的一切都很好。例如,如果包是10000元,Apple手机将永远是最新型号。每隔两三天,客人将被邀请吃饭。出入口均为高端场所,人均消费为三四百元。我经常开车旅行,住一家豪华酒店,每晚两三千元。

事实上,张玲赚钱的速度跟不上利息和日常开支的速度。从2016年到2017年,张玲一直在扭转网上贷款组,拆除东墙,组成西墙。 2017年下半年,国家严厉整顿互联网金融,重点打击“长期放贷”。她的资金链开始出现问题,近一半的在线贷款不再向她借钱。经过长时间的努力,去年年底,张玲终于卖掉了父母送给她的一套单身公寓,并偿还了所有在线贷款。记者从浙江林,天柱,后来等几家律师事务所了解到。近年来,一些公民向律师咨询恶意收集在线贷款和高利率的问题。其中,刚毕业的大学生欠在线贷款20多万元,经历过恶意软件收集,对日常生活造成严重滋扰。 80后,他们的父母欠钱并被迫在线贷款公司借款。

据媒体报道,90年代后,网上贷款占一半以上,负债率为1850%。一些年轻人对逾期贷款缺乏清醒的认识,进入信用证黑名单,提前过度提取信贷,这将对未来的抵押贷款,汽车贷款和经营贷款产生不利影响。

浙江天竺律师事务所律师张立军表示,网上贷款不仅影响年轻人的价值观,还会引发个人和家庭的悲剧,以及一系列社会问题。建议有关部门指导教育,帮助年轻人树立正确的消费观。金钱观。