In August of this year, Xu Yang, a sunshine boy who graduated from a famous 211 university in Nanjing for two months, died.
An exclusive daily survey by economic journalists found that Xuyang had loaned 36 times from 10 licensed financial institutions in the first year before he jumped from the building, totaling more than 72,000 yuan.
Up to now, Xuyang has nine loans totaling more than 215,000 yuan out of 10 licensed financial institutions.
Chongqing Duxiaomans first loan in July last year
On August 31, Xu Yang, who was charged with campus loan, jumped from the 28th floor of a commercial plaza in Nanjing, which made people sad. Within days of his death, his family continued to receive reminder calls from several online lending platforms, and even after Xu had just installed his sons ashes box, the family received several robotic reminder calls.
Photo Source of Xiaoxus Fallen Hotel Window: Aunt Xus Image
Xiaoxus uncle told the Daily Economic Journalist at that time that in April this year, Xu received a text message from his child, saying that he owed about 90,000 yuan for the campus loan. He had been tearing down the East Wall to make up for the West Wall. He couldnt resist it, so he sent a text message to his father, hoping that his father could help him. Xu filed a case at a police station next to his school and called the children to think they had paid off the campus loan. Unexpectedly, until the children had gone, they were still receiving a reminder from the loan platform.
How many campus loans did Xu Yang borrow? Why did he choose to jump out of the building and start a new life when Xu Father had helped him repay 90,000 yuan?
On September 7, the personal credit report of Xuyang Central Bank obtained exclusively by daily economic journalists showed that, in addition to the numerous illegal campus loan platforms found by previous journalistsinvestigation, Xuyang also accumulated 36 loans from 10 licensed financial institutions in a period of about one year from July 2018 to August 2019, with a total loan amount of more than 72,000 yuan.
Photo Source: Uncle Xu, Jr.
The types of institutions providing loans to Xuyang include: small loan company (one), Internet bank (one), trust company (two), City Commercial Bank (two), consumer finance company (four).
According to the credit report, on July 1, 2018, Chongqing Duxiaoman Microfinance Co., Ltd. (hereinafter referred to as Chongqing Duxiaoman) granted Xuyang a personal consumption loan of 1,000 yuan, which he repaid in the same month. This is the first consumer loan he borrowed from a licensed institution. On July 9, 14, 20, 21 and 22, Xuyang loaned five times to Zhaolian Consumption Finance Co., Ltd. (hereinafter referred to as Zhaolian Finance) for a total amount of 4600 yuan. The five loans were repaid in July and August. On July 26, Xuyang again borrowed 1000 yuan from Duxiaoman in Chongqing, which was repaid in August.
That is to say, in the short month of July 2018, Xu Yang borrowed 7 times from Duxiaomanhe Zhaolian Finance in Chongqing, totaling 5600 yuan.
Since then, Xuyang has repeatedly received loans from 10 licensed institutions, such as Zhaolian Finance, Duxiaoman in Chongqing, immediate consumer finance, Huaneng Guicheng Trust, Hankou Bank, Bohai International Trust, Changzhi Bank, Xinwang Bank, Changyin Consumer Finance in Shaanxi Province and Hubei Consumer Finance.
According to the credit report inquired on September 7, 2019, the details of nine outstanding loans in Xuyang are as follows:
On August 12, 2018, the 6500 yuan personal consumption loan issued by consumer finance to Xuyang will expire on August 11, 2023. It still owes 6470 yuan.
On February 1, 2019, 6,100 yuan of other loans granted by Changzhi Bank to Xuyang will expire on February 1, 2020. Xuyang still owes 3621 yuan.
On March 13, 2019, Shaanxi Changyin Consumer Finance Co., Ltd. issued a personal consumption loan of 1,400 yuan to Xuyang, which expired on September 13, 2019. 493 yuan is still outstanding.
On March 22, 2019, a loan granted by Zhaolian Finance to Xuyang will expire on April 9, 2020. Xuyang still owes 2906 yuan.
On May 28, 2019, the other loan of 6,000 yuan issued by Xinwang Bank to Xuyang will expire on November 28, 2019. There are still 4033 yuan outstanding.
On June 5, 2019, Chongqing Duxiaomans 1000 yuan personal consumption loan to Xuyang will expire on June 1, 2020. 833 yuan is still outstanding.
On June 29, 2019, a 875 yuan personal consumption loan issued by Zhaolian Finance to Xuyang will expire on July 9, 2020. There are still 875 yuan outstanding.
On July 12, 2019, the 1200 yuan personal consumption loan issued by Hubei Consumer Finance to Xuyang will expire on October 12, 2019. 812 yuan is still outstanding.
On August 22, 2019, the 1,500 yuan personal consumption loan issued by Hubei Consumer Finance to Xuyang expired on September 21, 2019. There are still 1500 yuan outstanding. This is Xu Yangs last consumer loan. Shortly after that, at about 2 p.m. on August 31, Xu Yang jumped from the building and his life was fixed at the age of 23.
The following table shows the details of Xu Yangs borrowing from licensed financial institutions:
Zhaolian Finance: Special treatment has been given to the reduction and exemption of all loan principal and interest of Xuyang
Daily economic journalists sent interviews to nine of the ten licensed institutions, asking them if they knew Xuyang was a college student when they borrowed money. What is the loan interest rate? Is there a lending agency cooperating with lending?
Among them, Huaneng Youxingtuo, Hankou Bank and Shaanxi Changyin Consumption Finance staff contacted reporters to inquire about Xuyang, but as of press release, none of the three institutions had further answered the interview questions.
Recruitment Union Finance has been specially checked and the following replies are given:
Our company is a consumer finance company which operates in accordance with the law and regulations, and allows the development of regular campus consumer finance services. When the user applied for consumer loan from our company, the credit report and credit record of the bank kept good, which accorded with the credit qualification of our customers, and the consumer loan issued did not involve the lending institutions. The loan product that this user applied for in our company is the circulating quota, the total loan amount is 17892 yuan, and the product interest rate is legitimate and compliant. The repayment of the user has been in good condition, there is no overdue in our company, and our company has never been remitted, our company has specially dealt with the reduction and exemption of the users loan principal and interest.
The remaining five agencies had not responded to the submission.
In addition to the nine institutions mentioned above, the daily economic journalist also contacted the official customer service of Hubei Consumer Finance, but the other party responded that after confirmation with the leadership, our company has no access to interview at present, so we do not accept media interviews.
Source: Daily Economic News Author: Editor-in-Charge of Yiwangqi Yiqijiang: Su Hong-hung_NBJ9980