文| Wisdom (ID: aiatmo)
A financial circle + two technology circles are jointly created, focusing on smart finance at home and abroad.
Telecom also plays out of nothing.
一
Recently, there was a video on the Internet showing that a Mr. Gao in Zhengzhou, Henan Province found himself under his name while handling business at the Bank of China Unprovoked an extra net loan installment loan of 975 yuan. By the time Mr. Gao found out that the loan had been repaid for 4 periods. According to the loan information and Mr. Gao's recollection, this online loan was generated when he paid the phone bill at a local telecom business office.
At that time, Mr. Gao signed a contract called "China Telecom Orange Installment Notice" with the business hall. At that time, Mr. Gao thought it was just an ordinary telephone bill payment contract, so he signed the contract. Later, I found out that I had an extra online loan loan for no reason. When I asked the staff about this contract, was told that this contract without any online loan information was actually an online loan contract that required installment repayment.
China Telecom Orange installment notice (screenshot from the video content)
But when Mr. Gao signed, the staff did not truthfully inform this information. As a result, Mr. Gao had an inexplicable amount of online loans under his name, which affected the normal banking business. For the institution that provided this loan, the video showed that the company that actually signed an online loan installment contract with Mr. Gao was called Immediate Consumer Finance Co., Ltd., and the loan amount was 975 yuan.
screenshots from the video content
According to the financial staff of immediately, they are in a cooperative relationship with the mobile payment brand Yipai under China Telecom. The loan generated by the user will be repaid by Telecom. Users only need to pay the telephone bill to the telecommunications company on a monthly basis.
screenshots from the video content
That is to say, the user indirectly immediately immediately through China Telecom without being truthfully informed Finance applied for a consumer installment loan. The user pays the phone bill to the telecommunications company on a monthly basis, and the telecommunications company returns the phone bill to Immediate Finance.
And whether this type of operation is a common phenomenon is still unknown.
二
This company named Immediate Consumer Finance, according to public information, was established in 2015 and holds a formal consumer finance license, mainly engaged in small loans, consumer installment and other businesses . It was jointly initiated and established by Chongqing Department Store, Zhongguancun Kejin, Wumart Holdings, Chongqing Bank, Sunshine Insurance, and Zhejiang China Commodity City. After several capital increases, the registered capital has now reached 4 billion yuan. It owns cash loan products, Immediate Finance, and consumer installment products, Easy Flower and Immediate Installment.
However, Immediately Financial was repeatedly complained about "violent collection, excessive interest rates" and other issues. On the Internet complaint platform-21ju complaints, with 6,039 complaints, it ranked first in the annual complaint list. Its credit loan product was immediately financed and was also taken off the shelves due to the cash loan problem, and has not been launched until now.
screenshots from 21 Ju’s official website
Yipay, which has a partnership with Right Now Finance, and the orange installment mentioned in the article, are China Telecom’s Internet finance brand-Sweet Orange The two sub-brands of finance, the former is responsible for third-party payment and is the core brand of Sweet Orange Finance, and the latter is mainly engaged in consumer installment.
The main company of Sweet Orange Finance is Tianyi E-Commerce Co., Ltd., a wholly-owned subsidiary of China Telecom, and an important part of China Telecom's deployment of Internet finance. In addition to Yipay and Orange Installment, there are also Sweet Orange Fortune, Sweet Orange Insurance, and Sweet Orange Credit.
The picture is organized from the network
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