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反催收联盟“投靠”金融机构:帮其催收赚10%佣金,两头收割

2020-11-04
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YOUFANCUISHOULIANMENGYIRONGZI800WAN。

0

WEN | JILUN

ZUIJIN,FANCUISHOULIANMENGZHENGZAI“TOUKAO”JINRONGJIGOU——TAMENKAISHIZHUDONGLIANXIJINRONGJIGOU,BANGTAMENZUOCUISHOU。

TAMENKAISHIZHENGQIANGCUISHOUJIGOUDESHENGYI,LIANGTOUSHOUGE:YIBIANSHOUQUJIEKUANREN20%DEFUWUFEI,YIBIANYOUSHOUJINRONGJIGOU10%DEYONGJIN。

ZAIFANCUISHOULIANMENGYANZHONG,JIEKUANRENBUGUOSHITAMENYUJINRONGJIGOUHEZUODECHOUMA,SHI“SUIYISHOUGEDEJIUCAI”。

ERYIXIEFANCUISHOULIANMENGYEKAISHI“XIBAISHANGAN”,TAMENKAISHICONGCAOMANGZHONGYANBIANCHUSHANGYEMOSHI。

SHENZHIYOUFANCUISHOULIANMENGYIRONGZI800WAN,BINGZHUNBEIQIDONGXINYILUNRONGZI……

01 谈判

最近的反催收联盟让金融机构越发头疼。

他们不再躲躲藏藏,反而“送上门来”。

9YUECHU,YIJIAJINRONGJIGOUDEDAIHOUFUZERENSONGMINGKAISHIPINPINJIEDAOZICHENG“DIAOJIEZHONGXIN”、“ZHAIWUXIESHANGJIGOU”RENDEDIANHUA,DUIFANGYAOQIUJIANMIANTANYITAN。

SONGMINGZHIDAO,ZHEIXIERENJIBENDOUSHIFANCUISHOULIANMENG,“JIUSHIWOMENZUIZENGHENDEQUNTI”。

TAN?YOUSHENMEHAOTANDE。

“WOMENSHOUWOJIWANGEJIEKUANYONGHU,WOMENKEYISHENDUHEZUO。”DUIFANGBUDUANPAOCHUCHOUMA,SONGMINGZUIZHONGJUEDINGJIANYIJIAN。

“ZHEIGESHIDAIYIJINGBUTONGLE。”DUIFANGLAILESANGEREN,LINGTOURENHEXIAOYONGSHIDAIKAIPIAN,KAISHILEHESONGMINGDETANPAN。

HEXIAOCHENG,ZAIGUOQU,ZHUYAOSHISANGUSHILI:JINRONGJIGOU、CUISHOUHEJIEKUANREN。

ERCUISHOUJIGOUMINGXIANSHIZHANZAIJINRONGJIGOUYIFANGDE,SHIJISHANGJIUSHILIANGFANGDIDUISHILI——JINRONGJIGOUDUIZHANJIEKUANREN。

“而如今,又出现了一个中间群体,这就是反催收联盟,而我们站到借款人一方。”何晓表示,这样四方的关系,才是“势均力敌”,才是“公平”。

“WOMENDECHUXIAN,YOULISHIDEBIRANXING。”

SONGMINGBINGBURENKE,ZHISHIZHUIWEN:“JIRANWOMENSHIDIDUISHILI,NIMENLAIZHAOWOMENGANMA?”

“JIEKUANRENGENGXINRENWOMEN,NIMENYUQIZHAODIANCUI,ZAIZOUFACUI,BURUZHIJIEZHAOWOMEN。”HEXIAOPAOCHULECIXINGDEMUDE,TAMENYAOLAIHEJINRONGJIGOUHEZUO。

对方开出的条件,是让借款人只偿还本金的80%,同时,再向金融机构收取10%的“返点”。

1

“LIANGTOUSHOUGE?”SONGMINGYIKAISHIBINGBURENKE,ZHIJIEJIANGDUIFANGGANLECHUQU。

DANHOULAI,LAIZHAOTADEFANCUISHOULIANMENGYUELAIYUEDUO,YOUERYEPAODEYUELAIYUEDA。

“YUQIRANGZHEIXIEYONGHUCHEDIBIANCHENGHUAIZHANG,WEIHEBUJIESHOUHUILAI80%DEFANGAN?”SONGMINGKAISHISIKAOQIZHONGDEHELIXING。

ZUIJIN,SONGMINGKAISHIHEYIJIAFANCUISHOUJIGOUHEZUO,“ZHITIAOXUANYUQIYINIANYISHANG,JIBENHENNANCUIHUILAIDEYONGHU”CHANGSHI。

宋明不得不承认:“确实比电催的回款率要高。”

随着反催收联盟势力的不断壮大,行业正在发生一些微妙的变化。

宋明了解到,已经不止一家金融机构开始妥协,和过去最看不上的人“握手言和”,开始了一些隐秘的合作。

02 两头收割

ZHEIZHONGXINWANFADECHUXIAN,YUFANCUISHOULIANMENGDEYUELAIYUEZHUANGDAXIANGGUAN。

“XIANZAI,TOUBUFANCUISHOULIANMENGKEYIJUJIJIWANGEJIEKUANREN。”CENGZHANGQIWODIFANCUISHOULIANMENGDEMOUCUISHOUGONGSIFUZERENZHAOFANSHUO。

FANCUISHOULIANMENGZHISUOYIRUCIZHUANGDA,SHIYINWEITAMENQUESHICAIDAOLESHIDAIDEGANGXU。

“YUQIDEYONGHUTAIDUOLE,DAJIADOUXIANGZHAOGEZUZHIBAOTUANQUNUAN。”ZHAOFANCHENG,ZAIFANCUISHOULIANMENGDEZUZHILI,“NIHUIFAXIANJIEKUANRENDEXINLIYILAIXINGJIQIANG。”

反催收联盟,真的是站在借款人一方的吗?

“FANCUISHOULIANMENGYANLI,ZHIYOUQIAN。”ZHAOFANCHENG,TAMENJIUHUILIYONGJIEKUANRENZHEIZHONGYILAIXING,“FANFUSHOUGE”。

“顶级的反催收联盟,能够从一个借款人身上榨出至少2万块钱。”他表示。

FANCUISHOULIANMENGDEBAOLI,LAIZIYUQIWUHUABAMENDEYINGSHOUFANGSHI。

第一道收割利器,是一些传统的费用。

BIRU“ZIXUNFEI”,SHAOZEJISHIKUAI,DUOZESHANGQIANKUAI;“XIESHANGFEI”,YIBANSHIYUQIJINEDE10-20%。

第二道收割利器,是数据贩卖。

“WOMENJIANGJIEKUANRENDESHUJUSHOUJIHAO,ZAIMAIJIYIXIEXUYAOYINGXIAODEJINRONGGONGSI,YIGEYONGHUDESHUJUKEYIMAI5KUAIQIAN,FANFUMAIJISHICI,JIUSHIJIBAIYUANDESHOURU。”YIJIAFANCUISHOULIANMENGDECHUANGSHIRENTOULU。

ERZHAOFANYEZHENGSHILEZHEIDIAN,ZHEIZAIXINGYEZAOJIUSHIQIANGUIZE。

HENDUOYONGHUZAIJIARULEFANCUISHOULIANMENGZHIHOU,FANERHUIGENGPINFANJIEDAODAIKUANDIANHUA。

第三道收割利器,是各种智商税产品。

BIRU,ZHAOFANKANDAOZAIHENDUOFANCUISHOULIANMENG,CENGJINGXINGQIGUOYIGECHANPIN,JIAO“FANSAORAODIANHUAGONGJU”。

FANCUISHOULIANMENGCHENG,ZHIYAOMAILEZHEIGE,ZIJIHEJIARENDOUBUHUIZAIBEICUISHOUDIANHUASAORAO。

“YIGEGONGJUDEJIAGE,SHI100DAO500YUANBUDENG,SHIJISHANG,DOUSHIPIANRENDE。”ZHAOFANCHENG,YONGHUYIBANFULEQIANZHIHOU,FANCUISHOULIANMENGHUIYOUYITAOSHUOCI,RUGUODUIFANGBUXIN,HAINAOSHI,JIUTICHUQUN。

“ZAIFANCUISHOULIANMENGYANZHONG,JIEKUANRENJIUSHIZHENBANSHANGDEYUROU,SUIYIZAIGE。”

GENGYOUSHENZHE,HAIHUITUIJIANHAIBUSHANGQIANDEJIEKUANRENQUGUOWAIDAGONG:“QUDONGNANYADAGONG,JIPIAO、ZHUSU、CHIFANQUANBAO,MEIGEYUEHAINENGZHUANJIWANKUAIQIAN。”

YIDANYOUKEHUSHANGGOU,DENGDAITAMENDEJIUSHIDIYUBANDERENSHENG:BEIKOUXIAHUZHAO,SHIQUZIYOU;YIDANFANKANGHUOSHITAOPAO,HAIKENENGJIUCIRENJIANZHENGFA。

而作为中介的反催收联盟,只要把借款老哥们骗到东南亚,就可以拿到1万块钱的人头费。

而现在,第四道收割利器,就是将借款人“出卖”给金融机构。

ZAIJIEKUANRENKANLAI,FANCUISHOULIANMENGSHITAMENDEJIUMINGDAOCAO。DANZAIFANCUISHOULIANMENGYANLI,JIEKUANRENBUGUOSHITAMENYUJINRONGJIGOUTANPANDECHOUMA。

“JIEKUANRENDOUSHIWOMENYANGDEJIUCAI,KEYISUISHI、SUIBIANSHOUGE。”

“NINAXIEJIEKUANRENGAOBUDING,MINGDANJIWOMEN,WOMENSUISHIKEYIGAODINGTAMEN。”

在和宋明的谈判过程中,反催收机构就将借款用户成为“韭菜”“商品”,随意收割,随时交易。

2

对于催收机构来说,反催收联盟的倒戈,更让他们恐慌。

“YIQIAN,FANCUISHOULIANMENGSHIWOMENDUIKANGDEDIREN。XIANZAI,FANCUISHOULIANMENGBIANCHENGLEWOMENDETONGXING,KAISHIQIANGWOMENDEFANWAN。”ZHAOFANSHUO。

ZHAOFANSUANLEYIBIZHANG,DUIYUJINRONGJIGOUERYAN,CUISHOUJIGOUCHOUQU30%DEYONGJIN;ERFANCUISHOULIANMENGSHOUQU10%DEHUIKUAN,BINGYAOQIU20%DEBENJINJIANMIAN。

ERZHEZAICHENGBENSHANGBINGWUCHABIE。

DANJIEKUANRENQUEXUYAOWEICIFUCHUGENGDUOCHENGBEN。LIRU,FANCUISHOULIANMENGHUIZHENDUIJIEKUANRENDUOCISHOUGE,“JIEKUANRENSHIJIZHIFUDEQIAN,KENENGHUICHAOGUOBENJIN”。

“反催收联盟,赚的就是信息不对称的钱。”他评价。

靠着两头收割,反催收机构成为了眼下金融市场上的最大赢家。

03 商业模式?

一些反催收联盟看到这个模式的暴利性,已经开始准备“洗白上岸”。

JUZHIQINGRENTOULU,ZAISHANGHAI,YIJIAFANCUISHOULIANMENGQIJIADEGONGSI,RONGZILE800WAN。

“WOMENYIJINGSHANGXIANLEAPP,LIMIANJIJIEKUANRENTIGONGHENDUOGONGNENG,LILVJISUAN、ZHAIWUBAOGAO、XIESHANGFUWUDENGDUOXIANGGONGNENG。”LINGYIJIAFANCUISHOULIANMENGQIJIADEXIANGMUCHUANGSHIRENLIYANGCHENG。

TAMENZUIKAISHIKAOZHEFANCUISHOULIANMENG,JILEILEJIWANYONGHU。

“RUGUOYIZHIZOUYELUZI,JIUZHINENGCHENGWEIYIMENZHUANQIANSHENGYI,BUNENGCHENGWEIZHANGJIUDESHANGYEMOSHI。”LIYANGCHENG,TACONGQUNIANKAISHIZHUANXING,XIANGMUDINGWEICHENG“ZHAIWUGUANLIGONGJU”。

3

MOUZHAIWUGUANLIAPPDEJIEMIAN

他的目标是,两头收钱。

TAJIJIEKUANRENTIGONGZHAIWUGUANLIFUWU——SHUOBAILE,HAISHIBANGJIEKUANRENQUJINRONGJIGOUXIEDIAOHAIKUANJINE。

TONGSHI,TAYEHUIQUZHAOJINRONGJIGOU,TANFANDIANHEFUWUFEI。

“ZHEIGEMOSHI,YEKEYIBUQIANGBUTOUBUPIAN,GUANGMINGZHENGDADIGAN。”LIYANGCHENG,ZAIGUOWAI,YUANBENJIUYOUZHEIYANGDEXIESHANGJIGOU,XIEDIAOJINRONGJIGOUHEJIEKUANRENDEMAODUN。

TAZICHENG,XIANGMUYIJINGRONGLETIANSHILUN,GUZHISANQIANWAN。

4

FANCUISHOULIANMENGZHENGZAIYANHUA。

YAOMETOUKAOJINRONGJIGOU,YAOME“XIBAISHANGAN”。

“TAMENZHUDONGTOUCHENG,DANJIANGUANDAGAILVBUYUNXUTAMENDECUNZAI,QIBENZHIHAISHIJIAOLUANJINRONGZHIXU。”ZHAOFANRENWEI,FANCUISHOULIANMENGSHANGAN,KONGPAMEIYOUNEIMERONGYI。

*WENZHONGSHOUFANGZHEWEIHUAMING。

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