How to Clear Tencent Weibo Account Verification

The end of the universe is Tieling and the end of the internet is credit

Einstein said: "A person's value to society depends first of all on their feelings, thoughts and actions and on how strongly they promote the interests of humanity."

In this internet age, the value of important apps to people likely has its own understanding. A person's worth depends on their purchasing power, purchasing frequency, willingness to pay and the amount of money they can borrow in our app.

The above content may be ridiculous and teasing, but it also tells us that the current app is different. In addition to providing inherent services, in any non-finance app, we can view internet loan information and portals and borrow hundreds of thousands of "emergency" cash from them.

▲ Baidu Maps and Didi Taxi have nothing to do with finance, but can borrow money

These apps also have loans? I can easily borrow 30W

The cause of the incident was that I saw a loan entry in a joint card application. To be honest, I didn't want to understand the functional logic and usage scenarios of this product. Is this because someone is worried about an accidental car accident while navigating with a map app and wants to borrow money from the next app to pay medical expenses?

With this confusion, I've looked at other apps. I really do not know it. I was shocked. More than half of the popular apps on my phone do online loans, and the online loan advertisement they have written is very nice. The platform's lending projects are diverse, some for their own business, some for other platforms, and some work with banks to bring "XX Cards" to market.

▲ With that in mind, Tencent Video, Mango TV, and iQiyi's credit interface shows that Youku, who has no credit business, has actually fallen behind

Most of these services require users to take photos of their ID cards and authenticate their faces before they can receive credits. However, since I was also afraid of being "borrowed" and having important privacy issues, I did not follow the steps after submitting the ID photo, so the amount received was incorrect.

However, according to the loan apps redirected from these 20 platforms, I can borrow at least 195,432 yuan from the platform on the Internet (certain amount). Except for the platforms that have the quota set, I can borrow 2,992,520 yuan if each of the remaining platforms is willing to lend me the amount they advertise. Even if these platforms are only willing to lend me 5% of the advertised amount, I can easily borrow 30W with my cell phone number and ID card.

From 20 W and a cap of 300 W, when Hansawa Naoki's father's company went bankrupt because he couldn't get the loan, he never thought it would be so easy to borrow money from China across the ocean. From office applications to photo editing applications, from community applications to card applications, they all have credit for you.

Next, please take a look at the specific situation of these 20 apps to mine online credit according to the form I created.

▲ There are 20 apps in my phone that allow me to borrow online

Of course, in addition to these apps with lending services, I still found that many apps haven't yet connected to the online lending business. I also refer to these apps as the "unoccupied legion". They are carefully selected Bilibili, Youku, Douban, Pinduoduo, Zhihu, Feizhu, Taobao, Xianyu, Qingyan Camera, Gaode Map, Weishi, Xiami Music, Box Ma, Netease, Lianjia, now ...

It's worth talking about the various loan platforms that used distraction.

The first is hungry, I vaguely see someone who is crazy and poor. It not only advertises the "Hungry Money" service offered by Shanghai Huarui Bank on the "My" page, but also 8 loan platforms for "Other Third-Party Loan Products". It's so "caring" that you can borrow a lot of money at one time.

▲ Are you hungry "Lending Legion"

It's worth noting that did not advertise Alipay's credit and online business credit services, and many of Ali's apps did not advertise its own credit business. But Baidu is very concerted on this matter. The three Baidu apps on my phone are all promoting the money.

There are also three platforms that must submit a "key identifier". You are very motivated for business development. Two hours after checking the Weibo credit limit, I successfully received a call to borrow money from Weibo. Customer service told me that I have a good reputation among those who applied for the quota today. As long as the real name identity verification is completed within today, I can borrow 3-5 W.

▲ Borrowing money on Weibo is "proactive", opening the market and keeping up with the hot spots

Similar to using the phone to encourage me to borrow more, "Meituan Living Expenses · Borrow Money," I received a call 2 days after the quota was checked.

Although the 360 ​​IOU didn't call me, they sent me a total of 5 advertising short messages within three days of checking the quota, which can be described as very dedicated.

▲ 360s SMS callback

Because I make money, I do everything. Internet loans "dance" on the red line

If it is all about promoting loan platforms, this is actually not a problem. After all, some users have a demand for these services as long as they don't break regulations and laws. But what if these platform companies violate laws and regulations?

A user Douding who has borrowed money on 13 online lending platforms told me that only some of these online loans are legal and compliant, and most of them are actually usury. "Only the big platforms like Bibai and Weiweidai meet the regulations. Other platforms with interest rates above 30% are almost everywhere. Because the profits are too high, so many platforms are doing it."

Douding said that while each platform advertises it has a low interest rate, when actually using the repayment process, few platform interest rates match the advert. For example, the lowest interest rate of 7.3% "as low as RMB 0.2" reported by most platforms in the table above is an interest rate that is fundamentally impossible to apply.

Some are the different repayments in each period so you don't know how much you are repaying. The first three periods are considered a proper loan shark, and the last three periods are considered a reborn bodhisattva without making any money.

Some actually borrowed that much money, but many other fees are added to the contract and the final payment you have to pay is much more than the principal amount you received.

Some are actually less because he deducts the service fee, processing fee, and other listed costs before giving them to you.

▲ The contract information provided by Douding does not match the actual loan amount and the total loan amount

Take the example of borrowing money from Weibo, which is actively promoting its business. Zhihu user @Mnnnn said his contract provides an annualized interest rate of 9.5%, but the actual amount of money borrowed from Weibo is 24%. Under the same person's question, "Is it reliable to borrow money on Weibo?", Someone pointed out that the interest rate at which they borrowed money on Weibo was 35.99%.

We also saw a user on Weibo who borrowed 46,500 yuan and paid back 4,671.49 yuan per installment. After calculating with the "Annualized Rate of Return XIRR Calculator" we found that the annualized rate of return on the "investment" was 42.63%. .

▲ Personal experience of Weibo users. We use the XIRR calculator to calculate the 42.63% annual rate.

It is worth noting that on August 20, 2020, the Supreme People's Court issued the newly revised "Ordinance of the Supreme People's Court on Various Issues of the Application of Laws in the Examination of Private Lending Matters", which sets the upper limit of judicial protection for determining interest rates for Personal loans is 15.4%.

From this point of view, borrowing money with Weibo is a real loan shark. Online lending platforms like Meituan, Bibai, Duxiaoman, Yipay, Suning, 360, Gome eCard, and Dishuidai have all exceeded interest rates of 15.4%. Not legally protected. However, since they are not protected by the judiciary, some platforms also "protect" themselves, e.g. B. calling family and friends according to the address book and forcibly collecting collections by phone.

Douding told us that most of the big companies like Ali, Tencent, Meituan and Baidu value springs and their interest rates are not too unusual with other products in the market. After using the XIRR function to calculate the loan on an online lending platform they use, the annualized rate of return can even reach 94%.

The high interest rates also make these companies eye-catching. Those who focus on making their own platform online loans and who have no business can make a lot of money with advertising commissions. Who cares if the business is compliant and if the service is positive? Who cares if consumers think what they see on a formal platform must be a formal service and borrow money without hesitation? Or, perhaps they feel like they've really lowered the borrowing threshold to save others from the embarrassment of borrowing.

Even if you don't do it yourself, they can help you with it. Recently, Meituan Waimai and Meituan Maicai financial services users, completely unknowingly opened to Meituan Monthly Payment and sent to the credit list for unknowingly overdue loans. As an ordinary consumer, you don't seem to know what the limits of the platform are.

One of the great things about the internet is that it lowers the threshold of usage and service to its users, however for services such as loans, the threshold should not be too low. If someone can easily borrow hundreds of thousands from the internet, can they really pay the money back?

▲ Picture from: Mathieu Stern on Unsplash

From the point of view of these platforms, they may just be a gateway to the data traffic. Users who really want to borrow something will download a separate app for doing business for similar needs. These are only recommendations, not services, but it can be difficult to easily balance product liability with "This service is provided by a third-party platform".

All platforms want to make money, but making money doesn't mean that everything can just be traded or thrown away. Algorithms may not have values, but those who make product decisions have principles.

The platform might think that it is safe to only recommend yourself and not serve, and it is difficult to get burned yourself. But it's hard to burn, but it doesn't mean it won't burn. Who can control the direction of the fire after the fire is strong?

The cover picture is from "Hansawa Naoki 2"

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