With the popularization of mobile internet and the improvement of financial technology, the reach rate of financial services such as online payment and online borrowing in public daily life is increasing. A few years ago, ordinary people could only obtain a consumer loan through the app of a bank or consumer finance company. In the past two years, even some apps that provide shopping, food delivery and other lifestyle services have been trying their best to launch lending services. What troubles does this bring to users? Why are various apps flocking to "borrow money"? How should internet financial services develop? Be wary of the "trap" of lending promotion when ordering takeout, the platform prompts that coupons can be claimed. Clicking on it reveals that one must complete the loan before being able to claim them; When watching short videos, the small pop-up window in the bottom left corner constantly prompts you to click on the link to get a loan; Even if you want to get a discount coupon while taking a taxi, you need to apply for a credit loan before you can get it. Many netizens can't help roast: "Nowadays, all kinds of APPs seem to urge me to borrow money, and I'm really afraid that I will be in debt if I don't pay attention." How exaggerated is the "drainage" of life software for loan services, which will trigger such comments from users? For this, the reporter downloaded some apps to explore the truth. In addition to Alipay's "borrowing", WeChat's "micro loan" and other familiar loan products, even e-commerce, life, travel, and even tool APPs that have nothing to do with finance have started to provide loan business. "I'll just use Meitu Xiuxiu to fix a picture, there's no need to borrow money from it." This operation has made many users laugh and cry. Not only that, these apps also put in a lot of effort to help customers successfully borrow money, with various bizarre operations emerging one after another. Many users have reported that it is easy to unintentionally trigger borrowing when using the app. "Sometimes after paying the loan, the advertisement for the loan business is displayed, and the place where we click 'close' is very small. When we touch another place with our hand, we will jump to the loan interface." "The elderly person at home has just learned how to use their smartphone to take a taxi, but sometimes they just click on the loan in a daze, and she doesn't know when she's done borrowing. It was only later that we received a call and quickly closed the 'borrow money' entrance, which can be seen everywhere.", Indeed, it has provided convenience to some groups of people. Usually, when borrowing from banks and other financial institutions, borrowers need to submit various proof materials, and sometimes they may not be able to pass. By contrast, borrowing money on the app is much easier. Clicking on "agree to open" or using "facial recognition" will not take long for the money to be borrowed. This flexibility provides practical assistance for users who need financial support in emergency situations and can be considered as an alternative solution. It should be noted that loans in the app are usually credit loans. Although the interest rate is lower than that of consumer loans, if overdue, the interest generated is much higher than that of bank mortgage loans. Industry insiders suggest that loan products in various apps attract users with low interest rates. After users fill out various personal information, the annual interest rate will increase, with an increase of at least 10% per year and even more than 20%. The financing cost for these enterprises often only needs 2% to 3%. When consulting customer service on a certain food delivery platform, the reporter learned that the loan funds were provided by two small loan companies registered in Chongqing, with daily interest rates ranging from 0.02% to 0.065%. Customer service claims that most
Edit：Hou Wenzhe Responsible editor：WeiZe
Source：economic daily
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