2015-08-11 08:56
Jiuding lending treasure 2000000000 questioned the promotion of financial innovation or marketing?
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[CNDSN8 April 11 news (China business network) UNIQLO event has not been quiet for a long time, micro circle of friends was again acquaintances lending app "borrowing treasure" detonated.
It is understood, origin of the incident on the Internet have news that everyone Science & Technology Co., Ltd. (hereinafter referred to as the "people") will draw on the taxi drops subsidy model, investment 20 billion yuan of real gold and silver "borrowing treasure," the promotion of micro channel. Since then, many users of the micro channel group and circle of friends began to be constantly bombarded".
With the passage of time, the event attracted more and more attention. Again recognized at the same time, lending treasure also received more and more questioning and tucao. The "China runs a newspaper" the reporter, the registered users uneasy, lending treasure in the registration and certification need to fill in a number of sensitive information related to the personal and property safety, such as: verify that the phone number, identity card number, bind the bank card, and bank card password.
After being questioned, everyone has on the evening of 8, issued a statement is not real Department of network rumors criminals malicious slander and rumor said, and all kinds of false news to clarify. It is worth noting that, in this statement but did not mention the "2000000000 promotion" activities.
WeChat maxed circle "pull back now" to borrow treasure extension
It is understood that the borrower is a line of credit P2P of the APP of the borrower, the borrower, the borrower's real name, lender anonymous anonymous lending model. Shareholders of the company is Tongchuang Jiuding Investment Holding Co., Ltd. (hereinafter referred to as the "Jiuding investment") and Dazi hechuang Jiuding Investment Center (limited partnership). Among them, Jiuding investment accounted for 95% of the shares.
Recently, online news on August 8, "pull friends robbed of cash, easily play money" online marketing activities campaign, borrowing treasure will contribute 20 billion yuan for the online promotion of micro channel. According to the online out of the way, the use of credit is the two level incentive mode (that is, the user's total amount of reward = recommended by the new user number (A) *20 + user group A recommended new users *10 yuan).
For example, if you promote this software to 100 fans, your income is 100*20=2000 yuan. Then, your 100 fans will be 100 people per person, you gain 100*100*10=10 million. Well, the final total income is 100*100*10+2000=102000 yuan.
News a, many people start to this "lay the money earn home" mode is enchanted unceasingly, especially micro channel micro business circle, are aimed at waging opportunity to join. Since then, there are users WeChat derivative friends being crazy shuabing. At the same time, there are more and more people in the temptation of high bonuses, have begun to download and register through a variety of groups brush treasure code.
Large shareholders 2000000000 cash incentives to finance innovative or pyramid schemes?
As a major shareholder of the borrowing of treasure, Jiuding investment in the "20 billion cash promotion event plays an important role, for many people it seems to act as the role of credit endorsement.
Some netizens said that considering the Jiuding investment is a known as hundreds of billions of market value of listed companies, and learn from the successful case drops taxi subsidy model. "20 billion cash promotion" is really the promotion behavior.
However, despite Jiuding investment this big shop sign, but according to Jiuding investment issued a report 2014, the company 2014 achieve net profit of only $3.64 billion yuan. At the same time, according to the national enterprise credit information publicity system inquiry found, was established in by the end of 2014 people, the registered capital of only 500 million yuan, and promotion award is actually Jiuding investment about 7 years of net profit, and registered capital of 4 times. This must let a person suspect, Jiuding investment is really want to spend 20 billion gold and silver to vigorously develop its mobile Internet banking, and create a new model of Internet banking, or just a "intentional" marketing hype?
It is worth noting, "China runs a newspaper" the reporter through access to people and Jiuding investment's official website, as well as online about borrowing treasure news, which were not found about 20 billion to promote the "news and the incentive rules. At the same time, all the people in the evening of the 8 statement also did not mention the contents of this activity.
Questioned the voice gradually borrowing Bao said: we were black.
With the "2000000000 cash promotion" event of continuous fermentation, "lending treasure" in attracting more and more attention, but also began to be a variety of questions. Subsequently, a lot of friends said that after downloading, registration and real name authentication, did not get what you want to get the so-called promotion award.
Among them, the micro blog V Gong Wenxiang on their personal micro blog published on the use of experience: 8 on the morning and afternoon APP system crash; 2 registered success, get 38 yuan red envelope (red envelope is not micro channel); 38 to get 3 yuan red envelope must enter the password; 4 final experience is not to enter, give up!
In the "lending treasure" because of the number of people registered in the hot and cause the system to crash, the Internet also began to flow out of various voices heard. Subsequently, the Internet began to appear on a few with the lending treasure 2000000000 promotion system pyramid schemes to deceive the TV station news picture. In addition, there are from the media account news release, the user registered debit and credit cards in cash was stolen, 80000 yuan fraud". Of course, the most criticized is the need to provide bank card password and other private information.
On the question of sound intensified, people in 8 in the evening issued a statement saying, "questioned the network system a small amount of outlaws on the company's slander and rumors, belonging to mislead users". "At present, the rumors' borrowing treasure fraud, taking money from users' from media accounts, the company has reported the case to the public security organs and take measures to investigate rumor of legal responsibility. And said that the People's Insurance Company of China will be the user's account deterioration payment security underwriting."
In addition, the credit card to enter the bank card password card password question, everyone in the earliest statement said, the company and lending treasure cooperation of China UnionPay out of security considerations, the need to borrow treasure user provided 'five elements' certification, more than the average Internet banking platform to pay the bank card password."
At the same time, people have stressed, "the password input and verification is completed jump to page of China UnionPay, lending treasure can not be retained the password, China UnionPay also does not allow retained the password, borrowing treasure as Jiuding's Internet financial company, it is impossible to preserve the password. In addition, the People's Insurance Company of China's account and payment of the loan treasure to provide security."
But in the latest statement, "borrow treasure" has replaced "China UnionPay" partners "banking financial institutions".
Based on this, the China business reporter and call the relevant person in charge of China unionpay. According to the person in charge of the responsible person, China UnionPay has not carried out direct cooperation with all the people, and direct cooperation with businesses should be a single member of the union, so, China UnionPay only to provide payment channel service for all.
At the same time, the responsible person also said that in the bank card card authentication link, there are many bank debit card requires verification password, China UnionPay will indeed be based on the choice of the issuing bank to set the certification elements. A few bank debit cards did not choose to verify the password, China UnionPay will not take the initiative to provide a password. This is the industry's practice, the purpose is to ensure payment security through multiple authentication means, which is also in line with regulatory requirements ".
Subsequently, the China business news has called the People's Insurance Company of China and the company's official website customer service to try to understand the situation, but due to the right place on the weekend, are not connected. 3
(original title: Jiuding lending treasure 2000000000 questioned the promotion of financial innovation or MLM?)
Editor: Wan Wan
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