Every reporter Li Bin is intern reporter Liu Xing every time he is intern editor Yi Wangqi.
There are people in the credit markets who will focus on everything from bank credit cards to Internet lending platforms to borrowing from whatever resources are available. The most common scenario is that an ID card has been financed on hundreds of platforms, with dozens of repayments pending, some of them overdue, and yes, most of them are already credit hackers.
When you go deep into this special group, you will find that such people have emerged since the birth of credit cards, the Internet lending industry was born booming, nearly three or four years of expansion, has formed a mature career.
Two grey industrial chains also emerged: an industrial chain with banks, third-party payment agencies (employing salesmen to sell POS machines), credit card cashiers as participants, the original normal card-swiping behavior into a set of current, Bluetooth POS machine for the convenience of cash and real, making many cashiers like to it.
Another industry chain uses financial institutions (needing lenders), lending aid institutions (first-tier channel providers), online lending intermediaries (second-tier channel providers) who have mastered the so-called black technology and are selling it, some profit-hungry institutional wind controllers, and a large number of people who could borrow from dozens of platforms without getting loans. The black household of money is the participant.
In the credit market, this group has a unified Name: the army of Lu Zi. Mouth is their alternative name for the platform. What is the size of this group? It is difficult to have an accurate statistics. Just take their active QQ as an example, with a conservative estimate of one hundred thousand people.
LH: a hungry wolf lurking in financial circles.
In the eyes of the mouthful army, their careers are mature and perfect, full-time and part-time, easy and quick to pay. The army of Lu Zis army is a mess. Daily Economic News reporter learned that financial institutions in the controllable rate of overdue, when faced with pressure from KPI, will appropriately lower the audit standards, which gives the army a chance to take advantage of.
In addition, the army of Lu Zi will also aim at the net loan platform. According to a group of data obtained exclusively by the Daily Economic News, from the end of March to the middle of September last year, 1 317 overdue borrowers came into existence on an Internet lending platform. The overdue amount reached 3.714 million yuan, with an average overdue amount of 2820 yuan per person. In addition, according to incomplete statistics, in the QQ group find group column with mouth as the index keyword, there are about 306 groups on 5 pages, the reporter browsed one by one found that, in addition to 5 groups, the other 300 groups are all working group of the big army. Among them, there are 114 or 200,000 people in 2000, 26 or 20,000 people in 1000, and about 46,000 people in 500 or 200. Most of the people in the group exceed half of the upper limit. Considering that a large number of QQ group names deliberately circumvent words such as mouthpiece, it is conservatively estimated that there are as many as 100,000 people who are active only in various QQ groups.
In addition, in WeChat, the number of public key is used to search public numbers. Reporters quickly browsed the top 100 search results, in addition to a few public names, the rest are related to mouth content.
And in Baidu search, the number of searches is very large. Reporters browsed more than 100 search results, in addition to mouth wine, other are related to the Internet credit content.
The professional chain also involves a fairly comprehensive range of aspects, from building a website to build a large number of Internet lending intermediaries, to teach members how to become a mature Internet lending intermediary to help others. Or directly to help the members of the mouth, and so on, making the army can not be ignored by the Internet lending industry.
Cash on mobile POS: Reproducing real consumption scenario
Sweep POS machine, food and beverage industry sweep trading zero rate, other industries 300 yuan below zero rate, 300 yuan above 0.38 percent. POS, a salesman named wheat, sent such a message in his circle of friends. According to the Daily Economic News reporter, zero handling fee is mostly a short-term preferential rate, the purpose is to allow merchants to buy a POS machine, the payment agencies put a fee in. The fee will be adjusted back later, and there can be no zero fee.
Visible POS machine is not just a normal business to facilitate customers to pay for the machine, the new Bluetooth POS machine produced, cashing becomes more realistic and convenient. Reporters in communication with wheat understand the industry chain behind the AMT: a small number of real merchants buy POS machines to do business, a considerable number of people buy POS machines to cash, and Bluetooth POS machines can access a large number of industrial and commercial information can be found in the real business situation, the current set is even more difficult to detect.
Wheat told the Daily Economic News that if a customer cashes on a POS machine, but each order is a large transaction and is carried out at the same merchant, the customer will be listed as suspicious. However, Bluetooth POS machines can access different real merchants, these merchants are on record, each cash transaction has a real consumption scenario, and the size of the transaction quota is different, there is no whole. However, these merchants have no entity.
The bank actually knows this kind of POS machine is used for cashing, as long as the customer can repay money normally is not too excessive, generally all open one eye to close one eye, but the four big banks are more stringent control. Wheat told the Daily Economic News that if the bank detects a customers arbitrage behavior, if the customer repayment problems, the general situation will call warning, in serious cases after the customer pays off the bill will be reduced, limit the amount of single transaction and other operations, in extremely bad circumstances will be blocked.
In the view of wheat, the laissez faire behavior of banks is also driven by interests. There are two kinds of card handling fees, one is offline 6/1000, the other is online 3/1000 point eight. If a client has a credit card of $10,000 under the line and generates a handling fee of $60, the bank gets $10.6, the issuing bank gets $70.42, the third-party payment company gets $22.12, and the salesman (selling POS machines) of the third-party payment company gets about $10.
Cashiers buy Bluetooth POS machine, you can cash on the POS machine, after the credit card, usually T + 1 to the account, if the cashier chooses to get to the account immediately, the third-party payment company will advance payment, but will charge the corresponding fee. Customers who buy a Bluetooth POS can either cash in for themselves or help more people cash in to earn money. The small AMT machine has become a cash cow in the eyes of profitable people.
Net loan industry interest chain: less than six or seven can still borrow a online shop can still borrow money.
Successful withdrawals, antiaircraft guns. Xiao Li, a credit hacker, posted a screenshot of his latest success in an exchange group. And among those with a lot of credit stains, the word cash-in-progress has a huge appeal to them, which means they have a new platform to borrow money.
The screenshot above shows that the amount of borrowing is 1782.39 yuan, which is not a large number for people with normal credit. However, in the eyes of black credit households, this is the pie smashed from the sky: anyway, it is not paid back, the money given in vain is of course called pie.
Soon, there was someone in the group asking which hole it was.
The members of these groups, who basically do not have normal loans, mostly have the defect of long-term borrowing and fraud. They will continue to borrow from the new platform, most people will borrow money for consumption, a small number of people will be used to repay past overdue loans in the borrowing platform, this behavior is known as rejection The mouth.
Where someone needs to borrow money, there are people who provide supporting services. These people publicize their mouth information in broad daylight and provide multi-lending services for credit hackers, so that credit hackers can keep their mouth open.
Industry insiders said that recently affected by the market environment, borrowers and borrowers have fallen relatively, business thresholds have increased accordingly, many such as Internet loans, small loans have stopped lending. There is a channel model in the network lending intermediary, in which the secondary channel providers are the intermediaries to provide borrowers with borrowing services. In addition, the size of the credit market has shrunk a lot, the industry to a provincial financial institution, for example, explained that last month, the financial institution in a city in the provinces lending as much as 50 million, this year the provinces lending volume is only 10 million.
Xiao Li has borrowed more than a dozen online lending platforms, some of which are already overdue, and still within the repayment period, but still can borrow money in the new mouth. If the number of more than a dozen online lending platforms has shocked you, the data is even more frightening: Zhong, who borrowed from 51 Institutions in the recent drip-driver homicide, applied for loans from four platforms a week before the accident.
Why can credit hackers borrow money when lending on the Internet platform is tightening and the industry is facing a cold winter?
Industry insiders say there are five lending institutions in their province, and it is not only a financial institution that needs to lend money, but the amount of loans on the Internet lending platform may be higher. But even if lending tightens, it doesnt matter to the credit hackers. If one credit institution cant borrow money, he goes to another.
More rigorous financial institutions default to credit institutions in the controllable scale of bad debts, the amount of money to credit blackholders, and similar to the Internet lending platform, small loan companies, there are not so many restrictions, making credit blackholders benefit from it. Their presence, on the one hand, distorted the credit boom, on the other hand, with unspeakable power to discredit the entire industry. (personal credit report is becoming more and more important. How to check, how to use, and how to remedy bad records? Reporters summed up a set of strategies, especially suitable for friends in need of loans, concerned about the Tim Sheng Finance response to the credit report request.
In order to understand how many platforms credit hackers can borrow money from, the Daily Economic News reporter added the name of Xiaozhang Internet loan intermediary as a credit hacker.
I owe six or seven net loan platforms. Can you lend me money? In order to get the exact result, reporters did not report too much. As expected, the reporter got an affirmative reply from Xiao Zhang. At the same time, Xiao Zhang said that his business for shop lending, need to open Taobao shop, just a few minutes. As for the specific method of opening, first download an APP on the phone, and then login with Taobao account, search wireless shop after login, and then follow the steps to authenticate the opening (Taobao shop), and finally to find him.
After that, the reporter wanted to engage in intermediary business to find another network loan intermediary, and consulted, has owed more than a dozen network loan platform, but also can borrow money? Yes. It is a positive answer. Next, he asked reporters about the credit score of sesame, and said that as long as the credit score of sesame is not terribly low, it can be easily borrowed, more than 400 sesame points can also be, but more difficult.
Industry insiders said that the intermediary asked sesame credit score in fact does not mean that the Internet lending intermediary will spend, borrow to help you get money. Instead, they use sesame seeds and carry out preliminary screening with sesame seeds. According to the Daily Economic News reporter, more Internet lending intermediaries are engaged in the business of matching the platform with the borrower according to the borrowing qualifications of the various Internet lending platforms.
However, there is no way to rely on net loan intermediaries. Behind the Internet lending intermediaries, there are people who specialize in platform testing, they have mastered the Internet lending platform under the standard packaging as black technology, and some people collaborate with the Internet lending platform internal wind control personnel to lend, wind-controlled eating kickbacks, make a pot full. As for banks and other traditional financial institutions, their penetration of wind control personnel is more difficult. Next, the secondary channel operators will be their mastery of the black technology packaged for sale to Internet lending intermediaries, or directly sold to credit hackers, whether it is wholesale or retail, in short, it seems difficult to make money for them to capture. In order to protect the personal safety of journalists, this reporter signed the pseudonym This article source: Daily Economic News Responsibility Editor: Wang Fengzhi _NT2541
However, there is no way to rely on net loan intermediaries. Behind the Internet lending intermediaries, there are people who specialize in platform testing, they have mastered the Internet lending platform under the standard packaging as black technology, and some people collaborate with the Internet lending platform internal wind control personnel to lend, wind-controlled eating kickbacks, make a pot full. As for banks and other traditional financial institutions, their penetration of wind control personnel is more difficult.
Next, the secondary channel operators will be their mastery of the black technology packaged for sale to Internet lending intermediaries, or directly sold to credit hackers, whether it is wholesale or retail, in short, it seems difficult to make money for them to capture.
In order to protect journalists personal safety, the reporter of this paper is called a pseudonym.