CNDSNk August 18th] (Beijing morning news Han Yuanjia) lending treasure of marketing tactics are users questioned and MLM no difference.

The main mode of acquaintance marketing netizens questioned

In order to rapidly expand the number of users and influence of the platform, the dispute continues to P2P platform for the selection of rough marketing methods. A few days ago, the main mode of the loan treasure encountered in the marketing of treasure questioned, some netizens said the promotion of suspected pyramid schemes. In this regard, lending Baofa said in a statement, "friends pulled cash grab" is not MLM, but "transfer".

Promotion fee is 5000000000 or 2000000000?

Marketing information is not the same people doubt

Recently, white-collar Zhao Jie (a pseudonym) is pulled into a "vanguard of the robbers," the group, almost every day to receive a bombing on lending treasure of the marketing information. In Zhao Jie, a reporter for the Beijing morning news reporter named "lending treasure APP promotion description" of the MP3 file, a male is to borrow treasure "promotion" partners to describe the product way to make money. "You borrow treasure promotion partners, lending treasure prepared 5000000000 promotional costs at the market."

According to the description of the man, the promotion of credit lending treasure is divided into two levels, the first level is 20 yuan, second yuan for 10 yuan. "If we have a group of 500 people, you can get 500 x 20=1 million in revenue. But we want to take is more of the proceeds, so that the 500 people to promote. If they can promote 100 people per person, we can get 2 levels of users, equivalent to 500 x 100 x 10=50 million in the promotion of two. We do not need to invest 1 cents, just the cost of traffic, you can make money."

However, the Beijing morning news reporter in the lending treasure of public information to see, the promotion of the activities of the man did not say 5000000000, but about 2000000000.

Marketing is the essence of pyramid schemes?

Lending treasure said: it is not a pyramid scheme

"Anyone can xuemaibizhang, but I think it doesn't make any difference with the pyramid." Zhao Jie to the Beijing Morning Post reporter said, due to face, she in accordance with the requirements of registration and binding savings card, she and the line were 20 yuan reward, but did not continue to go down. "My line is to promote the ability of the relatively strong, the first week to earn 300 yuan, but this week will feel less stamina, the 500000 is to draw a cake."

Borrowing treasure official data show that lending treasure is Jiuding holdings people Technology Co., Ltd. to launch the app, is a service in between acquaintances lending financial platform for the Internet, the company's core team from the domestic and foreign top financial institutions, legal institutions, and Baidu [microblogging], Alibaba, Tencent and other leading Internet companies. Last week, lending treasure held a news conference in Beijing, announced the completion of the first round of 2000000000 yuan financing, but did not disclose the specific financing parties.

According to the "pyramid", Jiuding investment chairman and all technologies, Chairman Wu Gang said, the activity is not MLM and acquaintances between itself, the risk is relatively small. Lending treasure official micro signal response, lending treasure promotion activities are transmitted, not a pyramid. However, net loan house chief research officer Ma Jun said in an interview with the media, the lending treasure of the maturity of the world lending model has a certain type of pyramid schemes.

Why do you want to lose a bank card password?

The market questioned: malicious taking the user's bank card information

In addition, in the user authentication process, increased borrowing treasure "to enter the bank card password the elements, also caused the market in question, think this is to maliciously taking user's bank card information and personal privacy. Lending treasure responded that the Union for security considerations require lending treasure to provide users with the five elements of authentication, and therefore more than the average Internet banking payment platform to enter the bank card password this element. When the user provides a password will be directly jump to the bank financial institutions page, lending treasure does not retain the password.

But Zhao Jie said that the extension of the loan treasure in the call to the people of the card, the initiative has been prompted to bind a non commonly used air card. In the lending treasure to promote the self media number of learning transit education, there are articles recommended the user, the binding of a savings card is not the balance of the most secure. After the binding of the original password to log on to the mobile phone bank to change the password, or the binding of the loan after the client to use ATM in the bank branches to modify the password." 3

(original title: lending treasure pyramid schemes or transfer?)

Editor: small Shen