2016-03-25 15:54

 

Lending treasure is a credit marketing or network marketing?

 

[direct network reported, Beijing, March 25 news (loan) in recent days, circle of friends is a lending treasure is in the 8th to do network marketing message scraper, many people are beginning to do up a penny investment but not the month earns 3 million dream. However, many people may not know that this dream in most cases are executed.
If we are not mistaken, August 8, seems to be micro channel to a masterpiece of a day, and this treasure in credit is will and Tencent together or with a micro channel rival, and now says is not good. But, this credit treasure marketing activities has surpassed WeChat's marketing campaign on Chinese New Year red envelopes.
We can assume, borrowing treasure this product is not illegal, or people don't illegal, borrowing between friends no problem, but once private lending interest rate exceeds the upper limit of the laws and regulations of bank interest rate ratio, would constitute an offense. A lot of people looking forward to rely on lending credit could earn spreads, put their friends as their tool to make money, do not have long-term feasibility. The on loan for the purpose of borrowing lending practices, soon evolved into another fraud for offline game, will soon reach ceiling and let some people because of drumming Chuan flower stagnation and usury in hand can not be returned into debt predicament.
If this borrowing treasure products have strict regulation does not appear to be overrun of interest rate risk, also won't let people appear drumming Chuan flower money scam, the so-called network promotion can only be as the network marketing, described that make the scene is nothing more than to expect a lot of overnight castles in the air, don't give participants bring imagination in high yield. All the participants have become a money to buy powder, install the APP marketing audience.
If the company really wants to invest 20 billion, known as each scan download users can get 20 yuan and the recommended installation of new can also get 20 yuan or 10 yuan, the 20 billion investment is just enough support and reward 1 million times, because offline will be added to the line, we can calculated by the formula can award number, the consumption of clean, and very soon. , of course, borrowing treasure background is dingdingdaiming private, certainly had clearly calculated, also will end the development of users have clear expectations. More importantly, through the development of only two grade line, thereby circumventing the law on MLM that this design some cidiwuyin more people have to think.
However, even this treasure in credit is just to spend money to buy download marketing activities, rely on people earning a small cheap development to a group of users and these users is bundled with their bank card, but this way to attract customers what will in the future to lending treasure platform to bring what kind of development space, is not optimistic. You know, WeChat red had a national carnival, even the media described as Alipay ten years for a day, but also basically calm, did not really bring development as expected. The temptation of money to download the APP, it may soon be most users realized after unloading.
The reason we make such a prediction, is the key, this product is positioned in the acquaintance between borrowing, and called an acquaintance to borrow money in China originally is very troublesome thing, and not because of the so-called anonymous change, rely on lend a friend money to make money is almost impossible, rely on borrowing and lending earn spreads, but also tantamount to pit their own friends, and mutual operation after soon information transparency, the difference mode simply cannot be sustained over the long term. Once it was found to be his true friend in the "black", the friend is dead.
More importantly, the so-called borrowing between acquaintances is not established. This product on is not true friends and acquaintances relationship, but social software on friend relationship and micro channel, micro blog, and social networks of friends, most do not understand, acquaintances or even just to add friends and friends, strangers and the difference is not large, it is difficult to achieve so-called due diligence and credit evaluation, in this case if it is just for money spread and rashly will money to lend to the "friends", most likely is a serious breach of the situation, and the expansion of risk, cause lending treasure of the whole system of financial risks.
A ten billion company's endorsement, but don't forget, another big company only on the investment of enterprise pay limited liability, pull the head, development off the assembly line, without this Manley, dazzling recruitment revelation, will Ma said investment taxi drops this piece, let the network carnival with a psychedelic colors, in the end there behind a puzzle, perhaps a few days later will be in the world.
No matter what, all of the participants to be careful. There is such marketing materials to defend MLM lies: lies are not necessarily bad, sometimes we even should say: this world is beautiful because of lies. However, no matter how gorgeous coat, as long as you firmly believe that: the sky will not fall for no reason to the pie, so you will not fall into the trap of a carefully designed. 3
Editor: Xiao Shen
Interpretation of the news hot spots, showing sensitive events, more exclusive analysis, in the "things" WeChat, scan two-dimensional code free reading.