There are signs of escalation in the 'anti collection alliance'. Since June, legal advisory agencies specializing in "debt optimization consulting" and "overdue consulting" have rapidly emerged on many social media platforms. Compared to before, these types of institutions have more diversified advertising forms and further expanded their promotion scope. According to a survey by a reporter from First Financial, behind the dazzling propaganda "vest", the actual business operation agencies are hidden offline and exist in the form of consulting companies. Some even form complete customer service, operations, and legal departments, which operate very efficiently. Under the repeated prohibition of "maliciously evading and abolishing debts", a group of "debt trouble" has emerged. Behind it is this type of anti collection agency, which, under the guise of being able to reduce debts for debtors, teaches debtors the skills of reducing interest spreads and delaying repayment, instigates and incites them to actively evade debts, and even refuses to repay debts through illegal means, and profits from it. While the black and gray industry is spreading rapidly, the main target audience of anti collection agencies - bank credit card departments and loan installment agencies - are resolutely fighting back through technical means and monitoring mechanisms. The regulatory authorities have also maintained a high-pressure situation, and relevant regulatory measures and governance suggestions are currently being considered. The platform is promoting the "edge ball" and has been notified to immediately start the overdue consultation online quotation query service. In a scenario drama advertisement for a debt restructuring, the male protagonist promises to have a lower quotation than his peers and can also receive a "repayment plan" for free. According to platform data, the advertisement video was released in just one day, with over 1000 likes. Clicking on the advertising link below the video will directly enter the agency's advertising page, where customers are required to fill in information such as overdue amount, name, phone number, and owed institution. In fact, some advertisements focusing on "overdue consultation" and "debt consultation" have sprung up again on short video platforms such as Tiktok recently. This type of promotional content is presented in various forms, according to a reporter from First Financial, there are currently roughly scenario based, strategy based, and lawyer based solutions. Scenarios usually use a certain scene of overdue repayment and generate various exaggerated storylines to attract delinquents; The strategy type and lawyer answer type are packaged with professional language skills, providing free sharing of relevant negotiation language skills for overdue parties. According to the reporter's previous understanding, the above platform once cleared the content of anti collection platforms under regulatory requirements and restricted the commercial promotion of related content. Why are these anti collection promotions making a comeback recently? This may be related to some institutions drilling "empty" for edge placement. In the name of advertising, CBI reporter called the huge engine (the official marketing service brand of Tiktok Group), and the relevant staff replied that at present, debt optimization is still a restricted industry, which can hardly be reported in white (that is, to join the white list of advertising). But if it is to provide legal consultation for debt dispute services and provide corresponding business licenses, and the business scope covers legal consultation, financial and tax consultation, etc., it can be invested accordingly. However, the staff member stated that if there are some illegal expressions involved in the placement, or if it is detected that the legal consultation is actually debt optimization, it may be directly banned from the account placement by the audit. An insider of ByteDance told reporters that at present, there are some "marginal" releases
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：YiCai Net
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