In this context, the anti collection alliance has been upgraded rapidly.
They started Kwai, through tiktok, fast hand, watermelon video and other short video platform. At present, there are hundreds of such well-known accounts on these platforms, with more than 5 million fans.
He found that most of the leaders behind these anti collection alliances are professionals, or intermediary of transfer, or professional financial practitioners, or even collectors.
The new anti collection alliance has increased its lethality by a hundredfold.
Anti collection Army
The borrower is as angry as he is, and he has the same skill in dealing with collection. Recently, Zhang Shun feels that it is more and more difficult to collect money.
It is the first time for many collectors to hear that banks are over credit and require suspension of interest and account , and they dont know how to deal with it. Zhang Shun said.
He felt the crisis - in recent months, borrowers perceptions have suddenly risen several levels, while acting in unison, with deadly moves.
This organization is the anti collection alliance.
These communities of communication are called the anti collection alliance.
But in the past few years, these organizations have been loose and fragmented. Moreover, through QQ or forum exchanges, the efficiency is extremely low and it is difficult to form a joint force.
But after the outbreak, that changed - the anti collection coalition is moving.
Some take the technical route.
You are afraid of collection. Do you know what collection is afraid of?
How to collect money in a fierce battle?
They directly teach all kinds of anti collection methods to the camera, record to the collector, provoke the other party, as long as he dares to swear, immediately complain to him with the recording..
These tiktok videos are praised for hundreds of thousands of people, and there are tens of thousands of commentary.
A man claims to be a post-90s father, with a debt of 1.5 million yuan. He narrated his experience on the watermelon video, with 860000 views.
What makes Zhang Shun wary is that this new type of anti collection alliance can gather at a speed beyond imagination.
Kwai tiktok is the algorithm mechanism of platform like jitter and fast hand. If you are interested in information such as collection, loan and debt, the algorithm will recommend these related accounts to you. Zhang Shun said that the whirlpool effect soon involved borrowers on short video platforms.
Zhang Shun metaphorically says that its like setting up torches in the dark. Everyone has a goal and gathers quickly.
In the past, the members of the anti collection alliance were just scattered, but through these short video platforms, they began to form a huge army with core leaders.
Tiktok, Kwai Shui, video and other short video platforms have hundreds of related accounts and thousands of growing accounts.
According to Zhang Shun, an anti collection alliance of at least 5 million people has been formed..
Whats the killing power of these people after they get together?
Its a hundred times more lethal than it used to be. Zhang Shun has felt that the storm is coming
Zhang Shun believes that the first reason why the anti collection alliance has become strong now is the rapid gathering of people.
Who is becoming the new leader?
After the epidemic, the overdue industry rose, more and more people had debt problems, and debt restructuring gradually became a just need.
A large number of people began to flow in and started anti collection.
Among them, there are three kinds of people.
The third, and most damaging, is a wave of new entrants who have worked in finance and collection.
Recently, the financial industry has been in a recession, and many people have been arrested in the collection industry since last year. I decided to leave the industry, but I didnt want to waste my professional knowledge, so I thought it would be better to join the enemy camp. Former collector Huang Xin said.
With the participation of intermediaries and financial practitioners, the anti collection army has become more professional, killing power has been increased by several levels.
A large number of professionals enter the site. A person who claims to have ten years of experience in the loan industry provides paid advice on Zhihu
For these professionals, anti collection is a piece of cake.
Huang Xin began to do the flick horn in February, and it took tiktok only 1 months to go.
Because he knows the risk control of financial institutions and is familiar with the collection routines, he feels that he is doing anti collection to reduce the dimension.
During the outbreak, everyone was short of money, and these dry goods soon attracted a lot of attention.
Zhang Shun also found that some start-ups and professional teams have also entered the market because debt restructuring has become a just need.
On the tiktok, there are some companies certified accounts, fans have reached hundreds of thousands of companies such as the most lethal.
Our company has five or six hundred people and three branches in Chengdu. Xiao Lin, a salesman with an anti collection company, said.
Their team is relatively professional: there are lawyers who are specialized in studying laws and regulations, and rights defenders who are specialized in negotiating with financial institutions on the installment of bills, suspension of interest and registration of accounts.
And their fees are relatively high, between 1288 yuan and 4988 yuan.
The companys monthly revenue is at least 2.8 million, based on a minimum fee of 22 working days per month.
For example, the anti collection alliance has been pushing the concept of suspension of interest and payment.
Suspension of interest and account is a professional term. Even financial practitioners may not be able to react in the first time after hearing it.
Some contents of Article 70 of the measures for the supervision and administration of credit card business of commercial banks are related to it.
The content of negotiation includes whether interest is charged during repayment period.
But this refers to the bank can, not the bank must.
If the bank doesnt agree, go to the Bank Insurance Regulatory Commission to complain and ask for suspension of interest and account registration. We have hundreds of complaint templates here. A professional intermediary said.
These templates include company failures, personal illness, unemployment due to the epidemic, even mothers detection of cancer, and so on.
This kind of centralized operation routine makes the complaint website unbearable and even makes a statement to stop it.
In March, Ju complaint released a notice that since March 10, a large number of borrowers have used the text template of interest refund technology to launch complaints against consumer financial companies, consuming the audit resources of the platform.
Fast gathering, professional team behind the guidance, anti collection alliance in just three months, rapid growth.
Why are so many people suddenly keen on anti collection?
If there is demand, there is market - just as debt restructuring is needed, the market for anti collection is born.
We dont do it for the public good. Our ultimate goal is to make money. Huang Xin is not shy.
There are mainly two ways for them to cash in.
One is to sell services.
After the video is released, Huang Xin will leave a message below tiktok, welcome the people who are in trouble to leave messages for him.
He will guide these fans to wechat, and then provide the other party with interest refund, negotiation and other services, and collect service fees.
The general charging standard is 8% to 10%. There are also some agencies that are relatively black and charge 20% directly. Huang Xin said that every day at least 200 people add him, and eventually can become a single 30 or so, can earn tens of thousands every day..
A customer named Pei Jie tiktok fans poured fans onto WeChat and sold their services.
Charge plan of Peijie team
These services are divided into three categories, each with a different price.
Another way to realize it is live broadcasting.
There are many accounts on the tiktok. After a wechat account is added by finance and economics, the other side claims to be an employee of XX business school and will push their own live courses.
The fee courses of this business school
These platforms for selling members and courses will also use some similar ways of MLM to develop offline and constantly attract customers.
A user who joined the business school said that he could get a commission of 509 yuan for a client he recommended, if you work for less than one month, you can get a commission of 2300 yuan..
He believes that many anti collection alliances only aim to obtain the service fee of the borrower, so they only pursue short-term interests, which will harm the borrower in the long run.
For example, for some unreasonable demands, financial institutions may seem to compromise, but they will be listed as dishonest, and it will be difficult to borrow in the future.
According to Zhang Shun, collection and anti collection is an unequal war of attack and defense. Because the acceptors usually fight on their own and do not communicate with each other, they are like isolated fortresses. The anti retort party has basically smoothed the information gap and formed a large centralized operation and consistent operation force. This will lead to a growing disparity in strength between the two. In order to face the fierce battle, we need to take precautions ahead of time, investigate and hide in advance, and formulate countermeasures; second, we need to form an alliance to form a resultant force. At present, the strongest shock wave of the anti collection alliance is far from coming, Zhang said. For financial institutions, the impact of the epidemic has not been fully revealed, and the biggest test will come in two or three months. Source: a financial editor: Chen Hequn_ NB12679
According to Zhang Shun, collection and anti collection is an unequal war of attack and defense.
Because the acceptors usually fight on their own and do not communicate with each other, they are like isolated fortresses.
The anti retort party has basically smoothed the information gap and formed a large centralized operation and consistent operation force.
This will lead to a growing disparity in strength between the two.
In order to face the fierce battle, we need to take precautions ahead of time, investigate and hide in advance, and formulate countermeasures; second, we need to form an alliance to form a resultant force. At present, the strongest shock wave of the anti collection alliance is far from coming, Zhang said.
For financial institutions, the impact of the epidemic has not been fully revealed, and the biggest test will come in two or three months.