If medical beauty programs are synonymous with profiteering, then medical staging is shrouded in violence.
Write|Unexpected
Produce|Consumer Finance Channel
Regular loans are repeated.
Before Ms. Zhou could indicate her intention to take out a loan, the staff member called out a man from the doorway. The man asked Ms. Zhou to provide him with her ID card and bank card on the pretext of checking her credit information, and then asked her to read the words from her phone again. When Ms. Zhou completed these operations, the staff told her she had completed the loan.
The loan*** totaled 32,000 yuan, to be repaid in 24 installments, with a monthly repayment of 1,776.67 yuan, which means that Ms. Zhou will need to repay 42,640.08 yuan in total***, with interest of more than 10,000 yuan.
And the loan did not go to Ms. Zhou's account, but directly to the plastic surgery agency.
Some female college students had the same experience as Ms. Zhou. According to the news, a female college student was introduced by a friend to the Wuhan Yuemei Medical Center for a "free" rhinoplasty. However, the premise of free cosmetic surgery is to advance the cost through the loan platform. Later, the organization promised to help the college student return the loan amount every month by making him an ambassador.
But the college girl received only the first month's refund, with no response from the organization. The late female college student was unable to repay the loan, resulting in more than $20,000 in overdue loans and more than $30,000 in combined interest.
In 2017, the former CBRC, the Ministry of Education and the Ministry of Human Resources jointly issued the Circular on Further Strengthening the Standardized Management of Campus Loans (hereinafter referred to as the "Circular"), which requires that no online lending institution shall issue loans to college students. However, some medical and beauty institutions are trying to lure inexperienced students into taking out installment loans by using various means such as free, recruitment and cashback as bait.
Data from the 2020 China Medical Beauty Industry Insight White Paper shows that there are about 13,000 organizations with medical beauty qualifications across the country, and only 12 percent of the industry is legally and legitimately engaged in medical beauty programs.
In recent years, medical beauty disputes have been on a clear upward trend. Data from the White Paper on Civil Trials of Medical Beauty Dispute Cases in the People's Court of Chaoyang District, Beijing (2016 -2020) showed that the percentage of medical beauty disputes accepted by the Chaoyang District Court during the same period has increased year by year, rising to 27.0 percent from 10.8 percent in 2016.
The Siming District Court in Xiamen City counted the medical beauty cases accepted over the past four years and found that from January 2017 to May 2021, **** accepted 98 cases involving medical beauty organizations, with the number of cases generally showing a year-on-year increase.
Regulating beauty loans from the capital chain
In recent years, regulators have also vigorously investigated and dealt with illegal loans in the medical beauty sector. Recently, there are media reports that the SSE and SZSE have asked the newly listed consumer finance asset securitization (ABS) products to prohibit "medical beauty installment loans" from being included in the pool of underlying assets.
While only newly listed ABS are required to meet the requirements, there are only 15 consumer finance companies that have received ABS. But this news released an important signal, the regulatory layer of the market of medical beauty installment attaches great importance to the market, ready to directly from the capital chain to regulate the market.
Recently, the China Association of Plastic Surgery and Aesthetics also announced a whitelist of medical beauty financial service institutions on the "black installment" and "black loan" industry chaos, in which the installment, Duxiaomang Finance, Yun Yi Hua is on the list.
From the black cat complaint platform can be seen, although staging is a formal loan platform, but the medical beauty loan has been complained. There are 571 related complaints on the platform, most of which are related to medical beauty programs. Complaints hotspots focus on high interest rates, inducing college students to take out loans and so on. That is, the management of installment payment in medical beauty loans should be strengthened. In contrast, Yunyihua has much fewer complaints on the platform, all focusing on random collection protection. Baidu's financial company Xiaoman Finance, involved in education loans and beauty loans.
Complaints about Black Cat, also known as the installment situation
After getting wind of the regulator, most consumer finance companies terminated their cooperation with medical and beauty companies. Some companies
The 2020 Medical Beauty Industry White Paper shows that the proportion of medical beauty consumers under the age of 25 on the New Oxygen platform will be more than 54% in 2020. It can be seen that China's audience with medical beauty needs is getting younger and younger. For people who have plastic surgery needs but are shy of cysts, the installment loan recommended by plastic surgery institutions is undoubtedly their best choice.
There is still a long way to go to ensure the legal rights and interests of this group of young people and to make the medical beauty market standardized and orderly development.
Related Q&A: Related Q&A: used car installment finance, how deep is the inside story?Don't think of everything as too good, and by the same token, don't think of everything as too dark.
Used car installment finance, depending on what kind of company you look for, if it is an irregular small company does have a certain risk, but it is no one's fault, the road is their own choice, most of the people who are deceived because of their own greed, so as long as they are in the right frame of mind, don't have "the world's cheap are letting me occupy "The idea that the probability of being cheated will be greatly reduced.
I have bought three cars, two of which are doing installment finance, but they are regular companies, the first car to find the bank, the second car is the manufacturer's own finance company, there is no problem.
Some people feel that the high interest rate of the finance company, this matter should be viewed objectively, you if you are not willing to pay interest can be full purchase of the car, do installments, although paid a certain amount of interest, but it allows you to not have to pay a large sum of money at one time, the installment is also relatively easy, and in addition, for the businessman to speak, you can use the funds for the operation of the turnover, if this is the case, then a little bit of interest on the value of money spent.
I don't know what you mean by insider. According to my understanding should be "set" means it, then I tell you: as long as you find the bank or formal financial institutions, there is no such thing as insider or set. As for interest, who do business is for profit, which will not lend you money for nothing, right. If you really feel that it is not cost-effective, then do not do car finance, full payment to buy a peace of mind.
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