uses the "innovative" banner of online lending and , and engages in P2P to play the remaining set, then it will deviate from the track of encouraging consumption.
When some online loan advertisements rushed out on the screen, it seemed to be "forgotten".
Recently, a loan advertisement on JD Finance caused controversy and was accused by many netizens of serious value problems. In the
advertising video, a migrant worker on the plane asked the flight attendant for help because his mother was nauseous. However, the change on WeChat was only 53.12 yuan, so he embarrassedly rejected the flight attendant’s suggestion for cabin upgrade. As a result, a man in a suit in the back row said, "I will pay for the upgrade." Then he took the man's mobile phone and operated fiercely. He borrowed 150,000 from the reserve of Jingdong gold bars. At the end of the advertisement, the detailed operation process of the loan was attached in a "detailed" and "thinking" manner.
In fact, similar ridiculous advertisements have appeared on the platform earlier: the takeaway boy rescued the chairman on the roadside, and the chairman asked him his credit score in return for the boy, and then grabbed his mobile phone to help him open Jingdong. bullion.
What kind of logic is this, saying that it is to reward people, not to mention nothing, and to make people bear a debt, Huang Shiren's soul is reincarnated, or is the new style of touch porcelain appearing again? The plot of
is different, but the problems of three wrong views are the same, and the routines are also the same. These advertising videos are full of misleading and inducement to potential customers. "The lowest daily interest rate of 10,000 yuan is 1.9 yuan, not as expensive as a bottle of water" is just to promote the low-level use of speech skills, it is to use the audience as "small cabbage" to play, but it conceals the high annual interest rate and the depth of hidden dangers.
Online loan borrowing should not have been so arbitrarily encouraged, let alone deliberately concealing risks, creating the illusion that borrowing is "welfare". Inducing potential customers to borrow with superpowers will inevitably cause the borrower to get into financial crisis and get into trouble. This is the same as the number of ways in which multiple credit cards "dug the east wall to make up the west wall" eventually enter an endless loop. However, the platform side spares no effort to entice people to enter the market and get stuck, which will inevitably lead to a group financial crisis and transform it into other social problems. On this point, the lessons of P2P are well known. We cannot get rid of a "thunder" with great difficulty and acquiesce in the listing of the new "thunder". According to
, compared with the hidden dangers behind the three incorrect views of online loan advertisements, JD Finance's response measures to offline videos, dispose of relevant personnel, and strengthen content review are far from enough, which is tantamount to avoiding the important.
thinks that 360 IOU ads were vulgar and suspected of violating regulations, and they were taken offline after being complained by many netizens. It is not accidental that this type of online loan ads have turned over. Online loan advertisements that are crude and inferior, simple and rude in logic, and keen on brainwashing, have emerged one after another, regardless of social reaction, reflecting the willfulness of capital operation behind online loan advertisements.
But the problem is that the platform cannot apologize as soon as a problem occurs and go offline. Such a routine response is actually self-protection and unscathed. More importantly, we should not only focus on correcting the "three improper views", but should also see the private goods and hidden dangers entrained in the trend of online lending. If, under the banner of “innovation” of online lending, engage in P2P to play the remaining set, it would deviate from the track of encouraging consumption. In this regard, the regulatory authorities should not only deal with the "three improper views" advertisements, trace the root causes of the outflow of such advertisements, and implement institutional precautions and regulations, but also should find out the hidden trends early, intervene in investigations, and check loopholes and Hidden dangers, eliminate the "minefield", and form due security order.
(Yellow River Commentary Box: zghhpl@163.com)
Source: Zhengguan Special Commentator Wu Lichuan
Editor: Wang Hang
Coordinator: Wang Pan
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