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三成网贷用户迁徙进银行,开始撸个税贷、企业贷和信用社贷款

2020-10-29
120668
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YINXINGHUICHENGWEIWANGDAIDEZUIZHONGJIEPANXIAMA?

0

WEN | LUOSU

WANGDAIYONGHU,ZHENGZAIKAISHIYICHANGHAOHAODANGDANGDEDAQIANXI——CONGWANGDAIXINGYE,JINRUYINXINGTIXI。

YOURENYUPAN,QIANXIDEGUIMO,YUEWEIWANGDAIYONGHURENSHUDE30%,RENSHUDADAOLEJIBAIWANZHIDUO。

TAMENCHULELUXINYONGKAKOUZI,HAIDINGSHANGLEYINXINGDEDAIKUANCHANPIN,BIRUGESHUIDAI、QIYEDAI,SHENZHIKAISHIJIENONGCUNXINYONGSHEDEDAIKUAN。

ZHEICIDAQIANXIJIANGDUIZHENGGEJINRONGTIXICHANSHENGZENYANGDECHONGJI?YINXINGHUICHENGWEIWANGDAIDEZUIZHONGJIEPANXIAMA?

01 大迁徙

ZHENGGEWANGDAISHICHANGDOUZAIWEISUO,CENGJINGYIFUZAIZHEIGELINGYUDELAOGEHEZHONGJIEMEN,HEQUHECONG?

YIJIAXINYONGKAHEWANGDAIYONGHUJUJIDELUNTANWANGZHANDEYUNYINGFUZERENHUANGBOWENJINGYADIFAXIAN,CENGJINGPINFANJIEWANGDAIDEYONGHU,ZHENGZAIJINXINGYICIDAQIANXI。

他们开始大规模进入银行体系。

WANGDAIXIPAIZHIHOU,HUANGBOWENJIUKAISHIJIANKONGHOUTAIDESHUJU。

QIZHONG10%DEZHANGHU,ZAIYISHUNJIAN“SIWANG”LE。

“ZHEIXIERENCHEDIBUZAIDENGLU,GANJUERENJIANZHENGFA。”HUANGBOWENHOULAIQUDIANHUAHUIFANG,HENDUOYONGHUDEFANKUISHI——SHANGANLE。

“TAMENJINGLILEGUODUFUZHAIDETONGKUZHIHOU,YAOMEHEJIARENTANBAI,YAOMEQUYIGEXINDEDIFANG,ZHONGXINKAISHILE。”HUANGBOWENCHENG。

HAIYOU30%DEZHANGHU,QUEBIANDEYICHANGHUOYUE。

“他们被网贷宠坏了,习惯了那种不缺钱的生活,现金断流后,他们受不了,就开始拼命寻找新的钱。”黄博文监控到这样的账户,“有数百万之多”。

这数百万的网贷用户,开始钻银行的漏洞,寻找新的口子。

CONGQUNIANXIABANNIANKAISHI,HUANGBOWENFAXIAN,LUNTANSHANGDETIEZI,YIXIANSHAOZAIYOULUNAGEWANGDAIKOUZIDETIEZI,DANSHI,“ZUANYINXINGKONGZI”“LUYINXINGKOUZI”“LUYINXINGXINYONGKA”DETIEZI,QUEKAISHIJISUZENGJIA。

XIAOFENGCONGSHIZHONGJIEXINGYEDUONIAN,TAMINGBAIYIGEDAOLI,YOUXUQIU,JIUHUIYOUSHICHANG。

“GEDIYINXINGDECHANPIN,WOMENDOUYANJIULEYIBIAN。”ZUIJINTADEGONGZUOZHONGDIAN,YICHEDIZHUANXINGDAOZUANYANYINXINGDECHANPIN。

ZHONGGUOYINXING4000DUOJIA,“MEIJIAYINXINGDOUHUICHUYIXIECHANPIN,ZONGNENGZHAODAOLOUDONG”。

老哥们现在热衷什么产品?这个群体的迁徙,将给银行带来怎样的影响?

02 撸贷

去年上半年,老哥们开始了迁徙。

而第一站,是信用卡。

ZHEIYIDUDAOZHIXINYONGKADEFAKALIANGZENGJIA,DAILAILEDUANDUANJIGEYUEDEXUJIAFANRONG。

DANHENKUAI,YUQIJIUKAISHIBAOFA,2019NIANSANJIDUMO,XINYONGKAYUQIBANNIANWEICHANGXINDAIZONGE919.16YIYUAN。

YUSHI,YINXINGFANYINGGUOLAI,KAISHISHOUJINFAKA。

2019NIANSIJIDU,XINYONGKADEFAKALIANGHUANBIXIAJIANGJIN16%。

到了今年,信用卡更加收紧,甚至开始对一些用户进行降额、停卡。

“XIANZAIXINYONGKAPIKALVBUSHIYIBANDEDI,MEIGEYINXINGDOUZAIJIANGE。”ZHONGJIEWANGBOCHENG。

YIWEINANFANGCHENGSHIDEQIANPOSJIDIANXIAORENYUANBIAOSHI,POSJIDEXIAOLIANGYEZAIXIAJIANG。TAZUIJINGANGCIZHI。

“XINYONGKASHENPIMENJIANTIGAO、EDUXIAJIANG,SHIPOSJIXIAOLIANGXIAJIANGDEYIGEYUANYIN。”TACHENG,ZIJIDADIANHUATUIXIAO,YOUSHIDUIFANGHUIZHIJIECHENG,“XINYONGKADOUBEIFENGDIAOLE,YONGBUDAOZHEIGEDONGXI”。

ZAILAOGELUNTAN,YOUBUSHAOLAOGEFACHUAIHAO,BIAOSHIZIJIDEXINYONGKAHUOZHEYIBEIDONGJIE,HUOZHESHENQINGBEIJU,HUOZHESHOUDAOJINGGAO:“XXKAJINKEYONGYUGERENRICHANGXIAOFEIHUOTONGGUOATM、YINXINGJUMIANQUXIAN。”

YIWEILAOGEFATIECHENG,ZIJICONGQUNIANNIANDIKAISHIWANGSHENXINGYEYINXINGKA,BEIJUSANCI,YEWUYUANSHANGMENBANLIMIAOJULIANGCI,WANGSHENYOUZHENGKABEIJUSANCI,WANGSHENJIANXINGERKABEIJU……

1

ZUOYANGKASHENGYIDEZHONGJIEYEBEIBOJI。

YIGEZHONGJIEJIUCHENG,JINNIANSHENGYIHENBUHAOZUO,ZAITAZHEILIYANGKADEKEHU,HENDUODOUMANMANYUQILE,“LIANYANGKADESHOUXUFEIDOUDABUCHULAI”。

YUSHI,DAOLEJINNIANXIABANNIAN,LUXINYONGKAYEWUKAISHISHOUSUO。

HENDUOYINXINGDETESEDAIKUANCHANPIN,BEIZHONGJIEMENWALECHULAI。

BIRU,GESHUIDAI。

什么是个税贷?

简言之,就是个人的纳税信息,会成为银行授信的重要参考。

2018NIAN10YUEDEYIZEGUANYUGUANGFAYINXINGTUICHUGESHUIDAIDEXINWENCHENG,ZAIGUANGDONGSHENGNEIDABUFENDISHI,YIJIJIANGSUSHENG、SICHUANSHENG、JILINSHENG、NINGBOSHIYOUGUANGFAYINXINGJIGOUFUGAIDECHENGSHI,KEHUYIKELVXIANTIYANEMIAODAI(GESHUIDAI)。

“DAOMUQIAN,QUANGUOYOUQIBAGEDIQUKAIFANGLEGESHUIDAI。”ZHONGJIEWANGBOCHENG。

ZHONGJIEJIUZAIQUANGUOFANWEIZHAOMULAOGE,LAIZHEIXIECHENGSHILUDAI。

“WOMENHUIBANGTAMENMAIJIPIAO,DINGJIUDIAN,SANGERENANPAIZAIYIGEFANGJIANLI。”WANGBOCHENG。

这些人到了之后,王博就让他们房间里打扑克,而他就开始忙着给办理最关键的内容——缴纳个税。

“WOMENHUITONGGUOTEDINGQUDAO,WEILAOGEKAITONGZHIDINGCHENGSHIDEGESHUI,BINGYICIXINGJIAONALIANGNIAN。”WANGBOCHENG,YIBANJIUHUIANZHAOZUIDIDEGESHUIJINEJIAONA,“LIANGNIANYEJIU1.8WAN”。

“ERQIESHUIWUJUDEXITONGHUIXIANSHIZHEIGELAOGESHILIANGNIANQIANJIUYIJINGKAISHIJIAO,ERBUSHIBUJIAO。”TATOULU,ZHEITAOLIUCHENG,YIFEICHANGCHENGSHU。

“YIDANXITONGCHUXIANLEJIAOSHUIJILU,WOMENJIURANGLAOGEQUYINXING,KAIHUBANWANGYIN。”WANGBOCHENG。

SHUNLIDEHUA,ZHEIYITAOLIUCHENG,YITIANJIUKEYIZOUWAN。

WANGBOBIAOSHI,GESHUIDAIKEYIDAI10WANSHENZHIGENGDUO,RUGUOCAOZUOSANJIAYINXING,YIGERENZUIGAOKEYIDAIDAO40DAO50WAN。

DENGQIANDAOZHANGZHIHOU,ZHONGJIEJIUHUISHUAPOSJI,BAZHONGJIEFEIZHUANZOU。“SHOUXUFEIHENGAO,30%QIBU。”

WANGBOSUANLEYIBIZHANG:ZHONGJIEJIAONAGESHUIFUYUE1.8WAN,RUGUODAIXIALAI30WAN,SHOUQU30%DESHOUXUFEI,JIUSHI9WANYUAN。

KOUDIAO1.8WANYUAN,YIGERENZHISHAOZHUAN7WANYUAN。

“最疯狂的时候,中介会涌到一个城市,一个酒店都包下来做。”王博称。

ZHEISHIYINWEI,YIDANCHAJUEDAOBUDUI,YINXINGHUIHENKUAIGUANBIGESHUIDAI,ZHEIGESHIJIANCHUANGKOU,YIBANSHI“BANGEYUE”。

在银行之外,老哥们也盯上了区域色彩极强的农村信用社。

ZAIKANONGLUNTANSHANG,YIJINGCHUXIANDALIANGYUCIXIANGGUANDETIEZI。

2

一位老哥发帖,喊话德阳、广汉、什邡、罗江户口的老哥,“信用社可以搞了”

XIAOFENGCHENG,YIBANNONGXINSHEDEMENJIANDOUBUGAO,“ZHIYAOSHIDANGDIDEHUKOU,DOUKEYISHENQING。”

SUOYI,YIBANZHONGJIEDOUHUISHOUJIMOUGEDIQUDELAOGEMEN,RANHOUJITIXINGDONG。

ERHUOQUYONGHUDEFANGSHI,JIUSHILUNTAN、SHEQUNDENG。

XIAOFENGHAIXIHUANQUDANGDIRENTIEBALIQUWA,“YENENGWACHULAIJIGE”。

TAZICHENGZIJIZHONGDIANZUOGUO9GEQUYU,“MEIGEQUYUZUOGUOSHIJIREN,XIAKUANTONGGUOLV70%YISHANG”。

YIWEINEIMENGGUMOUDINONGXINSHEDEKEHUJINGLIBIAOSHI,TAYEZHUYIDAO,XIANZAILAISHENQINGDAIKUANDE,YOUYIXIEWANGDAIYONGHU,DANZHANBIBUDA。

BUGUO,ZHEIWEIKEHUJINGLIYETANCHENG,TAMENJIERUDESHIYANGXINGZHENGXIN,HENDUOWANGDAIJILUKENENGCHABUDAO。“WOMENYEHUIDANXIN,DANSHIFANGBUSHENGFANG。”

到底有多少网贷用户涌入,对于农信社来说,目前也很难判断。

除了C端贷款之外,也有人打企业贷的主意。

注册一家公司,甚至招几个员工,包装一家公司去申请贷款。

“QIYEDAIDIFANGXINGDEYINXINGBIJIAOHAOZUO,YOUQISHIXIAOSHANGYEYINXING。DANEDUYEBUDUO,DANBIZAI7-10WANZHIJIAN。”WANGBOCHENG。

3

YIGEZHONGJIEQUNLI,YOURENFACHULEMOUAPPDEYINXINGQIXIA100DUOJIADAIKUANKOUZIHUIZONG

HAOZAIMUQIANYINXINGQIYEDAIDEMENJIANGENGGAO,BIRUXUYAOYOUYIDINGQIXIANDEYINGYEZHIZHAODENGDENGTIAOJIAN,XIANZAIZHEIGELINGYUJINRUDELAOGEHAISUANSHAO。

LAOGEMENLUYINXINGDEYUANYINSHISHENME?

黄博文也做过一次统计,他发现,这其中50%是为了缓解现金流困难,而另外一半,则是为了还网贷。

03 危机

老哥和中介往银行体系大量迁徙,会带来什么恶果?银行会因此成为网贷的终极接盘侠吗?

HUANGBOWENRENWEI,ZHEIKENENGHUIJIYINXINGDAILAIYIDINGDECHONGJI,“ZUIJINYINXINGDEYUQISHANGSHENG,ZHEIYESHIQIZHONGDEYUANYIN。”

SHANGHAIYINGDONGLVSHISHIWUSUOGAOJIHEHUORENRANJINCHIFANDUIYIJIAN。

TARENWEI,XIANGBIWANGDAIPINGTAI,YINXINGDEFENGKONGGENGJIAYANGE,YIDANFAXIANBUDUIJIUHUIJISHISHOUJIN。

CIWAI,YINXINGBINGBUXIHUANJIEKUANRENDEZHENGXINSHANGYOUWANGDAIJILU,YINCIDALIANGLAOGEDOUBEIPAICHUZAIWAI,LOUDAOXIAYIJIDERENSHAOLEHENDUO。

“YINXINGKENENGHUISHOUHAI,YOUQISHISHAOSHUFENGKONGBUYANDEYINXING,DANBUTAIHUIXIANGWANGDAINEIYANGDAMIANJISHOUHAI。”RANJINSHUO。

保护银行的,还有一个终极武器,那就是刑法。

4

从网贷往银行领域迁徙的老哥和中介,可能都忽略了一个重要问题——撸网贷和撸银行贷款相比,后一种行为导致的惩罚要严重得多。

“LUWANGDAISHI,RUGUOTIGONGXUJIACAILIAO、WEIZAOSHENFEN,CHUFADEZUIMINGSHIHETONGZHAPIANZUI,ERZHAPIANJINRONGJIGOUCHUFADEZUIMINGSHIDAIKUANZHAPIANZUI,DAIKUANZHAPIANZUIDELIANGXINGBIHETONGZHAPIANZUIGENGZHONG。”RANJINZHICHU。

BIRU,XINGFAGUIDING,HETONGZHAPIANZUIPIANQUCAIWUSHUEJIAODADE,CHUSANNIANYIXIAYOUQITUXINGHUOZHEJUYI,BINGCHUHUOZHEDANCHUFAJIN。

ERZAIXINGFAZHONG,DAIKUANZHAPIANZUISHEJISHUEJIAODADE,HUICHUWUNIANYIXIAYOUQITUXINGHUOZHEJUYI,BINGCHUERWANYUANYISHANGERSHIWANYUANYIXIAFAJIN。

ERWANGDAIDEJINEBIYINXINGDAIKUANSHAO,WANGWANGSHIJIQIANSHANGWAN,ERYINXINGDAIKUANJINEGAODEDUO,YINCI,YIDANLUYINXINGDAIKUANBEICHA,LIANGXINGHUIGENGZHONG。

CIWAI,HELUWANGDAIXIANGBI,LUYINXINGDAIKUANDEXINGWEIYEGENGRONGYIBEIZHUICHA。

“LUWANGDAIDERENQUNBIJIAODUOHEFENSAN,WANGDAIJIGOUWANGWANGMEIYOUNENGLIQUZHUIJIUTAMENDEFALVZEREN。”RANJINZHICHU。

ERLUYINXINGDAIKUANZEBURAN。

要想把网贷的玩法直接平移到银行领域,老哥们太天真了。

“RUGUOLAOGEZHENGCHANGHAIKUAN,WENTIHUOXUBUHUIBAOLU。DANRUGUOCHUXIANDAGUIMOYUQI,CANYUQIZHONGDEZHONGJIE、LAOGEHEYINXINGRENYUAN,DOUNANTAOFALVZHUIZE。”RANJINSHUO。

ZAIQIZHONG,RUGUOZHONGJIECONGTOUDAOWEICEHUAZUZHI,JIUSHIZHUFAN,ZERENGENGDA,ERLAOGEDENGRENZESHICONGFAN。

“RUGUOZHONGJIEZUZHILE10GELAOGE,MEIGELAOGEJIELE30WAN,YIGONG300WAN,ZHONGJIECONGZHONGHUOLI90WAN,DAOLIANGXINGSHI,ZHONGJIEHUIYI300WANERFEI90WANDEZHAPIANJINELIANGXING。”RANJINZHICHU。

5

“QIANLIANGNIANWANGDAIBAOFADETAIKUAI,TOUZHILEXIAOFEI,NIANQINGRENYEMEIYOUXINGCHENGLIXINGDEXIAOFEIGUAN。”WANGBOGANKAI。

BUDANJIEQIANHUISHANGYIN,LUDAIYEHUISHANGYIN。

DANBALUWANGDAIDEXIGUANDAIDAOYINXINGLINGYU,LAOGEHEZHONGJIEMENDEJIEJUKENENGMEINEIMEXINGYUN。

*WENZHONGBUFENSHOUFANGZHEWEIHUAMING。


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