有没有自动抢红包的软件

一本财经APP

GUANZHUJINRONGKEJICHUANGXINDELILIANG

一本财经微信公众号

JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

15.4%后,反催联盟疯狂反扑,金融机构组建“反反催联盟”

2020-10-23
124722
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JILIEDAZHANYICHUJIFA……

0

WEN | NASHEN JILUN MUYI

8YUE,ZUIGAOFAHUASHANG15.4%DELILVXINHONGXIANHOU,GEFANGJIGOUDOUZAIDENGDAIGENGMINGQUEDESHENGYIN。

10YUE12RI,SICHUANJINCHENGXIAOFEIJINRONGDEYIFENPANJUESHU,RANGYENEIFENGSHENGDOUZHUAN。

GAIDIQUFAYUANRENDING,ZUOWEICHIPAIJIGOUDEJINCHENGXIAOJIN,YEYAOZUNSHOU15.4%。

ZHEIFENPANJUESHUKAISHIZAIYENEILIUCHUAN,JINRONGHECUISHOUJIGOUYOUXINCHONGCHONG。

ERFANCUISHOULIANMENGQUEHUANHUYIPIAN,TAMENJIJIEQILAI,KAISHICEHUAZHEJIJINRONGJIGOUZUIQIANGFANJI。

TAMENYUEFAXIONGHEN,JITITOUSU,HUYU“BUZAIHAICHIPAIXIAOJINDEQIAN”;TAMENHAIFANXIANGQISUJINRONGJIGOU,“QINFANLEJIEKUANRENDEMINGYUQUANHEYINSIQUAN”,DONGZHESUOPEIJIBAIWAN。

TAMENSHENZHIJIAOSUOJIEKUANRENWEIZAOGEZHONGZHENGJU:KAICHUZHENGMING、HUAIYUNZHENGMINGDENGDENG。

MIANDUIFANCUILIANMENGDEDAFANPU,YIXIEJINRONGJIGOU、CUISHOUGONGSI、LVSHIKAISHIZUJIAN“FANFANCUILIANMENG”YINGZHAN,JILIEDAZHANYICHUJIFA……

01 判决书

SHIYIJIAQIHOU,JINRONGJIGOUDERIZIDOUBUTAIHAOGUO。

10YUE12RI,SICHUANJINCHENGXIAOFEIJINRONGDEYIFENPANJUESHUKAISHIZAIYENEILIUCHUAN。

JINCHENGXIAOFEIJINRONGJIANGYIWEIJIEKUANRENGAOSHANGFATING,YAOQIUCHANGHAIDAIKUAN。JIEGUOCHENGDOUSHIPIDOUQURENMINFAYUANZAIPANJUESHUZHONGZHICHU,QILIXIYI“BUCHAOGUOTONGQIQUANGUOYINXINGJIANTONGYECHAIJIEZHONGXINGONGBUDEDAIKUANSHICHANGBAOJIALILVDESIBEIWEIXIAN”。

也就是说,作为持牌机构的锦程消费金融,也得遵从15.4%的利率红线。

JINNIAN8YUE,ZUIGAOFAYUANCHUTAIGUIDING,MINJIANJIEDAILILVXINHUADINGDELILVHONGXIANBIANCHENG15.4%。

FAGUIYICHU,DADUOSHUJINRONGCONGYEZHEDOUBUYIWEIRAN。

TAMENRENWEI,ZHEIYIGUIDINGJINXIANZHIMINJIANJIEDAI。CHIPAIJINRONGJIGOU、YINXING,BUSHOUGUIDINGXIANZHI。

SHISHISHANG,XINGUICHUTAIHOUDEJICHANGSHENPAN,YEQUESHIZHICHILEZHEIYIKANFA。

LIRU,ZHONGYINXIAOFEIJINRONG、ZHONGGUORENMINCAICHANBAOXIANZHENGZHOUFENGONGSIZAILIANYUNGANG、ZHENGZHOULIANGDIQISUJIEKUANREN,YAOQIUAN24%NIANHUALILVCHANGHAILIXI,DOUHUODELEDANGDIFAYUANDEZHICHI。

RANER,CHENGDOUSHIPIDOUQURENMINFAYUANDEPANJUE,QUETUIFANLECIQIANDEPANLI。

“JINCHENGXIAOFEIJINRONGSHICHIPAIXIAOJIN,NANDAO15.4YEBOJIDAOCHIPAIJIGOULE?”YENEICAIYIBUDUAN,DONGDANGBUAN。

而成都市郫都区人民法院的判决,还有许多细节值得注意。

SHOUXIANZAIZHEICHANGTINGSHENZHONG,BEIGAOFANGBINGWEICHUTING。

YINCI,AN15.4%BIAOZHUNZHIFULIXI,BINGBUSHIJIEKUANRENZHUZHANGHOUBEIFAYUANRENKE,ERSHIFAGUANXINGSHIZIYOUCAILIANGQUANDEJIEGUO。

CIWAI,PANJUESHUZHICHU,JIEKUANRENZAI7YUE1RIZHIQIANFASHENGDELIXI、FAXI、WEIYUEJIN,ANHETONGYUEDINGZHIXING;ER7YUE1RIZHIHOUCHANSHENGDELIXI,QUEZHIXUAN15.4%ZHIFU。

有从业者认为,这份判决意味着最高法8月出台的新规可以“有限”溯及以往——7月1日前不追究,7月1日后按新规执行。

“这只是地区法院的解读,不是最高院统一意思。”多位业内人士认为,完全不需惊慌。

YOULVSHIZHICHU,ZHONGGUOBINGFEIPANLIFAGUOJIA,PANLIDUIHOUXUDESIFAPANJUE,ZHIYOUCANKAOYIYI,MEIYOUJUEDINGYIYI。

但这却吹响了反催收联盟的战斗号角。

“ZHEISHISHENMEYISI?GUOJIAYIJINGMINGQUEZHICHILE15.4%,JINRONGJIGOUWUYIXINGMIAN。”ZAIYIGEFANCUISHOUQUNLI,QUNZHUXIAOHEZAIQUNLIFENXIANGLEZHEIFENPANJUESHU,BINGFAQILE“CHONGFENG”HAOZHAO。

“DAJIATUANJIEQILAI,BUYAOPA,WANGQIANCHONG!”

而后面,是群里的一片欢呼。

让人忧虑的反催收联盟大反攻,开始了……

02 大反攻

XIAOHEGUANCHADAO,ZAIJINCHENGXIAOFEIJINRONGDEPANJUESHUCHULAIZHIHOU,FANCUISHOUDESHIQIMINGXIANGAOZHANG。

谁也没有料到,一个法院的判决书,会在行业形成如此强烈的连锁反应。

“我们将手头锦程消费金融的案子聚合起来,只要是这家机构的借款人,我们都告诉他,不要还,坐等法院判决”。小何称。

他也已经更新了团队所有的投诉素材。

“RUGUONIQIANLE24%、36%LILVDEHETONG,KEYIZHIJIEXIESHANGCHENG15.4%。RUGUOBUTONGYI,JIUBUHAILE,ZUODENGPINGTAIQUFAYUANQISU。”TAMENGUDONGSUOYOUDEJIEKUANREN,ZHIANZHAO15.4%HAIKUAN。

“QISHIJINRONGZHANZHENG,JIUSHIXINXINDEZHANZHENG,YULUNFENWEIHENZHONGYAO。”XIAOHELIANHEYIBANGFANCUISHOULIANMENG,CONGGEGEJIAODUCHAIJIE15.4%,WEIFANCUISHOUZAOSHI。

“WOMENCHULEJISHIGEJUBEN,YOULVSHIDEFALVFENXI,YOUCUISHOUYUANDEFANSI,YOUJIEKUANRENDESHENGLI。”TAMENSHENZHIXUANCHUAN,15.4%DEJIEGUO,SHIFANCUISHOULIANMENGBUDUANFANKANGDESHENGLI。

反催收的势力开始联合起来,发起新一轮的投诉浪潮。

“DAJIAYIQIQUTOUSU,SHASHANGLIGENGDA。”XIAOHECHENG,TAZUIJINHEJIGEFANCUISHOULIANMENG,YIQIZHENDUIJIGEJINRONGJIGOUZHONGDIANTOUSU。

有些团队,演变得凶狠无比。

TAMENKAISHIFANXIANGQISUJINRONGJIGOU,“YIGONGWEISHOU”。

ZHEIXIETUANDUIKAISHIJIAOJIEKUANRENBUYONGQISUGAOLIDAIHELILV,ERSHIQISUDUIFANGQINHAIZIJIDEMINGYUQUAN、YINSIQUANDENGDENG。

一个反催收联盟的群主林申称,这个模式的核心,是拿到自己被暴力催收伤害的证据。

XIANZAIJIEKUANRENTONGCHANGNENGNACHULAIDESHANGHAIZHENGJU,DUOSHIBAOLICUISHOUDEJIETU、SAORAOTONGXUNLUDELUYINDENGDENG。

TAMENWANGWANGYICIWEIYOU,SUOPEIJISHISHENZHISHANGBAIWAN。

2

FANCUISHOULIANMENGJICHUDEQISUZHUANG

为了获取伤害的证据,林申甚至教大家制造伪证。

例如,他还教女用户,如何伪造怀孕证明。

“NIJIUSHUO,BAOLICUISHOURANGNIRENJIGUANXIPOLIE,DIULEGONGZUO,BINGQIEBEINANPENGYOUPAOQI,XIANZAIHUAILEHAIZI,BIXUZIJIFUYANG。”LINSHENDELUOJIJIUSHI,BAZIJIBAOZHUANGDEYUECANYUEHAO。

“YUANBENZHINENGYAODAODESANSIQIANYUANDEPEICHANG,YOULEJIADEHUAIYUNZHENGMING,JIUKEYITIGAODAOSIWUSHIWAN。”LINSHENSHUO。

WEIZHUANGHUAIYUNDEBANFATEBIEJIANDANCUBAO,JIUSHINAZHEYUNFUDENIAOYEQUZUONIAOJIAN。

ERYIXIEFANCUISHOULIANMENGHAIHUIBANGYONGHUZHIZUOJIADEKAICHUZHENGMING、YIYUZHENGZHENGMINGDENGDENG。

这样的诉求,法院真的会支持吗?

YIBENCAIJINGTONGGUOGONGKAIPANJUEWENSHUCHAXUN,ZANSHIMEIYOUFAXIANYILISHENGSUANJIAN。

BIRU,QUNIANNIANDIYOUYIWEICHENXINGYONGHUQISUXIAOYINGKEJI,YIQINFANMINGYUQUANWEIYOU,SUOPEI5WANYUAN。

DANZUIZHONGFAYUANBINGBUZHICHI,HAIRANGCHENNVSHIZIXINGCHENGDANLE450YUANDESUSONGFEI。

3

SHANGHAIYINGDONGLVSHISHIWUSUOGAOJIHEHUOREN、JINRONGZHENGQUANBUZHURENRANJINRENWEI,JIEKUANRENTIGONGDEZHEIXIEJIETUZHENGJU、LUYINDENGDENG,“HENNANZHENGMINGQIDUIJIEKUANRENCHANSHENGSHIJISHANGHAI”。

“HENDUORENJIEKUANSHIDOUXIANSHANGQIANSHULEJIEKUANXIEYI,LIMIANRENKELEYIXIETIAOKUAN,BIRU,YUQIHOUTONGYIBODATADEDIANHUADENGDENG,SUOYIYEHENNANJIEDINGWEISAORAOHUOQINFANGERENYINSI。”RANJINRENWEI。

TUIYIBUJIANG,JIUSUANFAYUANZHICHILEJIEKUANRENDESUQIU,“JIEKUANRENYIRANYAOHAIQIAN,JIEQIANYUQINFANMINGYUQUAN,ZAIFALVSHANGSHILIANGGESHIYOU,BUNENGXIANGHUDIXIAO。”

SHIJISHANG,XIAOHEYEZHIDAO,FANSUJINRONGJIGOUDEFANGSHIWEIBIYOUXIAO,DANTAMENWEIHEHAIYAOCUANDUOJIEKUANRENQISU?

“DIYISHIWEILEGUWUSHIQI,TAMENJUEDEZIJIBUDANKEYIBUHAIQIAN,HAINENGGANJINRONGJIGOU,JIUHUIXINXINSHIZU。”XIAOHESHUO,NAPAYOUYIQICHENGGONGANLI,ZHENGGEXINGYEDOUHUISHIQIDAZHEN。

“JIUSUANSHIBAISU,ZHEIGEANZIYEHUICHUXIANZAIGONGSIXIANGGUANSUSONGLI,YENENGJIGONGSITIANDU。”XIAOHECHENG。

比如,通过天眼查APP查询小赢科技相关诉讼,就能查询到陈姓用户的案子。

4

以此,他们就多了一个和金融机构谈判的筹码。

而第二个原因,就是为了赚钱。

XIANZAIXIAOHEDUIYUQISUJINRONGJIGOUDESHOUFEI,SHI199DAO1999YUANBUDENG,“GUANGSHIDAILIQISUFEIYONG,MEIGEYUEJIUNENGSHOUHAOJIWAN”。

CHULEZHEIXIETAOLU,FANCUISHOULIANMENGMEITIANDOUZAICHUXIANGEZHONGQIANQIBAIGUAIDEZHAOSHU,LIANXIAOHEDOUJUEDE,DAJIADEJINHUASUDUTAIKUAI。

“DAFANGONG,CAIGANGGANGKAISHI……”

03 反反催收

FANCUISHOULIANMENGDEDAFANGONG,RANGJINRONGJIGOUHECUISHOUTUANDUIYINGJIEBUXIA。

“ZHENDESHIYUELAIYUENANCUILE。”JIHUSUOYOUDECUISHOUJIGOUDOUJUEDE,XIANZAIGONGZUONANYIZAIKAIZHAN。

JINRONGJIGOUZAI15.4%ZHIHOU,LIRUNKONGJIANHESHENGCUNKONGJIANDOUZAIBUDUANBEIYASUO。

“如果不良资产也爆掉,难以催回,别说持牌消金,很多中小银行都会倒闭。”一家金融公司的贷后负责人称,这场战争关乎生死,必须要打赢。

行业意识到局势紧迫,最近一些金融机构、催收公司、律师以及一些监管部门,开始联合起来,组建“反反催收联盟”。

FANFANCUILIANMENGDEFAQIRENZHIYIZHAOQUANRENWEI,FANCUISHOULIANMENGZUOWEIGONGJIFANG,HENYOUYOUSHI,TAMENFEICHANGTUANJIE,XINXIHUTONGYOUWU,ZHANSHUGONGXIANG。

ERJINRONGJIGOUHECUISHOUGONGSIZUOWEIFANGSHOUFANG,QUEGEZIWEIZHAN,JINGYANYEBUGONGXIANG。

“JINRONGJIGOU、CUISHOUGONGSI,BIXUDETUANJIEQILAI,FOUZEFANCUISHOULIANMENGGEGEJIPO,XINGYEXINXINJIUHUIYIKUIQIANLI。”

“WOZAIFANCUISHOULIANMENGLIWODILEDUONIAN,SHOUJILEDALIANGDEYIXIANQINGBAO,RANHOUHELVSHI、JIANGUANBUMENYIQISHANGLIANGPOJIEZHIFA,BINGHEDAJIAGONGXIANG。”ZHAOQUANCHENG。

TARENWEI,FANCUISHOULIANMENGBINGBUNANPOJIE。“DABUFENFANCUISHOULIANMENGDETUANDUI,JIUSHIWEILEZHUANQIAN,TAMENHEJIEKUANRENJIUSHILIYIDEGUANXI。QISHIHENDUOPOZHANHELOUDONG,KEYIQINGYIPOJIETAMENCUIRUODEJIEMENG。”

DANFANCUISHOULIANMENGDEGENGXINSUDUTAIKUAI,YINZHAOSUNZHAOBAICHU,SUOYIZHAOQUANXUYAOSUISHIJIANKONG,DIEDAIQINGBAO。

TAMENHAIZHUNBEIZUOYIGEJIANKONGDESHUJUCHANPIN,SUISHIDINGZHULAOLAIYONGHUDEDONGXIANG。

5

BULIANGZICHANZHENGZAIYIHENKUAIDESUDUZENGZHANG。

WEILAIYILIANGNIAN,CUISHOUHEFANCUISHOUZHIJIANDEZHANZHENGHUIYUFAJILIE。

CISHI,JIANGUANZHANZAISHEIDEYIBIAN,JIUJISHEIZENGJIALEZHONGBANGCHOUMA——JIANGDUIZUIZHONGDESHENGLIQIDAOJUEDINGXINGDEZUOYONG。

*WENZHONGBUFENSHOUFANGZHEWEIHUAMING。

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