Xian man Meng Mou, 28 years old, worked in Shanghai. In August of this year, he downloaded a App called smile entertainment and opened it as a gambling software. He decided to invest a little money in luck. At first, though he lost several times, he quickly made over 1000 yuan.
But as soon as he tasted the sweetness, he began to be unlucky, losing more and winning less, but he still did not close, resulting in a total loss of 40,000 yuan in the account. He wanted to raise money to win back the principal, so he started the idea of online lending. In just three days, he borrowed a total of 188,000 yuan from various platforms, such as ant borrowing, Baidu has money to spend, Bank of Chinas credit loans. The money was put into gambling software and never returned.
After family repayment
Men gambling again
And borrowed 92 thousand yuan.
Families contacted several lending platforms in the hope that the platform would prohibit the provision of online loans to him, but the platform customer service said that restrictions on personal account lending, can only be their own account cancellation. In addition, they also reflected to Alipay platform smile entertainment for gambling App, through its platform for capital transfer, Alipay customer service said the problem has been reported, need to wait for the superior response.
Eventually, the family moved around to help monk pay off all the loans. Then Mong went out to work again, but on September 9, Mong returned home and told his family that he had borrowed 92,000 yuan for gambling again. Looking at the monk, who is deeply involved in the gambling quagmire, his familys hearts are mixed with five flavors. At the same time, he questioned the net loan platforms: why did the platform reflect the owners gambling, and the platform would again lend to him? Why didnt the Alipay platform deal with the account of this circulation gambling account?
Net loan platform: account cancellation
Reapply for loan again
On the afternoon of September 13, a reporter from China Business Daily contacted Mong Mou, who worked abroad. The bills he provided showed that he initially charged 500 yuan to gambling App, and then 2000 yuan, 3000 yuan and 5000 yuan to gambling App. I regret it very much.
Subsequently, the reporter contacted the customer service of various online lending platforms, asking whether Mongolia has borrowed many times, they said, this needs my operation.
Ant borrowing customer service said that closing the account requires me to dial customer service operations, provide relevant identity information, and pay off the arrears. If I open the account again and successfully pass the system evaluation, I can still borrow money.
360 debit note customer service said that if family members want to freeze the accounts of gamblers, they can pay attention to 360 debit note official Wechat public number, input the word artificial to provide a relationship with the account owner and proof of gambling, and specify the specific circumstances, the background will verify and help to freeze the accounts, but if I remove the account again. Freezing is beyond control.
Baidu has money to spend customer service said, cancel the account I need to operate. Considering account security issues, if the personal real name authentication of two Baidu Money Flower accounts, do not support the cancellation operation. Customer service reminds that once the account is cancelled, the identity will not be restored or reapplied.
In addition, the reporter asked the Alipay platform about the problem of handling the account of currency gambling. Customer service indicated that although it was the same App, there might be two remittances not the same account. If you need to check whether it is the same account, I need to do it myself.
Lawyers viewpoint: net loan platform should properly examine the purpose of funds.
Yuan Hu, a lawyers party under the Chinese law, said that Internet financial platforms are rising rapidly, but the emergence of new things must be accompanied by risks. The network loan platform knows that loans are still used to provide loans for gambling. Is it responsible? The answer is yes.
In July 2015, the Peoples Bank of China, the Ministry of Public Security, the Ministry of Finance and other ten departments jointly issued the Guiding Opinions on Promoting the Healthy Development of Internet Finance. Internet lending has been incorporated into the Internet financial supervision system, which is under the supervision of the CBRC.
As for the network platform, besides abiding by laws and regulations, we should also strengthen industry self-discipline, adhere to the bottom line of ethics, establish a lending relationship with users, should reasonably and properly examine the use of funds, when users use funds for illegal purposes should be timely cut off the supply of funds, must not blindly pursue economic interests and blindly. To loan.