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714高炮被3・15晚会曝光:底层借贷刚需未解,行业恐卷土重来

2019-03-16     牛牛财经   来源:和讯名家
文章摘要:  文 | 零和 罗素 米格 本妹   昨天夜里的“3・15晚会”上,“714”高炮的新闻作为压轴出场。   整个地下超利贷市场瞬间炸锅,绝大多数平台紧急停止放款,决定清盘退场,而不少平台,依然抱着侥幸心理。   “不做714,我们还可以做15天的。”一家平台….

  文wen | 零lingheluosumigebenmei

  昨zuotianyelide“3・15晚wanhui”上shang,“714”高gaopaodexinwenzuoweiyazhouchuchang

  整zhenggedixiachaolidaishichangshunjianzhaguo,绝juedaduoshupingtaijinjitingzhifangkuan,决juedingqingpan退tuichang,而erbushaopingtai,依yiranbaozhuojiaoxingxinli

  “不buzuo714,我womenhuankeyizuo15天tiande。”一yijiapingtaidefuzerencheng

  同tongshi,借jiekuanrenjuede“扬yangmeituqi”,很henduorenjuedingbuhuanqian,一yixiepingtaideshouyuzhijiebiaoshengdao50%。

  几jihusuoyouderenduzhidao,一yichangchixuyiniandechaolidaikuanghuanjieshuliao

  为weihexianjindaizhihou,会huichuxiangengjiafengkuangdechaolidai?这zhebokuanghuandejieshu,是shifouyiweizhuogengfengkuangdejiedaijuantuzhonglai

  01 紧jinjitingzhi

  在zai“3・15晚wanhui”的deyugaozhongkandao“714”高gaopaochuxiandeshihou,各gedachaolidaishichangdeyewuduijiequn,就jiukaishizhaguo

  新xinwenkaishideshihou,群qunlidechengyuankaishitongshibobaojinzhan

  “我womenjigerenzaichichuan,做zuochaolidaidenajigelaobankandaoxinwen,扔rengxiachuanjiukaishidadianhua,让rangshouxiajinjixia线xianpingtai。”一yijiazuodianshangdelaobancheng

  而erzuotianwanshang,绝juedaduoshupingtaidujinjixia线xian

  “清qingpanliao,不buzaifangkuan。”一yiweichaolidailaobancheng,他tazuowanjiangqixiade30个gepingtaiquanbuxia线xian。他tayegeiyuangongfangliaojia,“度dugejia,先xianguanwangguanwang”。

  尽jinguanxingyedurenweixipaizaiji,但danyiranyoubushaopingtaibuyuanqingyicheli

  “很henduochanpinbingmeiyouxia线xian,只zhishigaichengliao15天tianhuozhe30天tiande。”一yijiachaolidailaobanyejiangzijijiachanpingaichengliao15天tiande

  一yixiezhuanmenzhenduichaolidaipingtaidecuishoutuandui,在zaizuotianwanshangyejinjitingcui

  “先xiantinggongliangtiankankan。”一yijiacuishoudefuzerenfenglubiaoshi,尽jinguanruci,催cuishoudanliangfanerzengjialiao,比bipingshiduochuliao30-40%。

  从congzuowankaishi,逾yuqilvmingxianshangsheng

  “以yiqiandeshouyulvshi20%,昨zuotianxinwenbochudaoxianzai,首shouyuzhijiebiaoshengdao50%。”一yijiapingtaidefuzerencheng

  可kenenghouqideshujuhuanyaoshangsheng

  冯fenglucheng,因yinweiyuqishangzhang,最zuijin7天tiancuishoudanlianghuibaozeng,但danzhegezhouqi,只zhiyou7天tian,“7天tianyihouyejiumeiyouxinrucuidingdan,入rucuidanliangyejiubiancheng0了liao,回huikuanlvyehuizhi线xianxiajiang。”

  这zheyiweizhuo,7天tianzhihou,这zhexiecuishougongsijiuhuimentinglengqing

  冯fengluyizhunbeizaijinqicaiyuan,保baoshougujicaiyuan50%以yishang

  02 还huanhuanshibuhuan

  众zhongduofancuishouqun、上shanganqunhelukouziqun,也yezaizuowantongshizhaguo

  被beipuguangdepingtaizhong,不bufatamenshuxidemingzi。那nayishunjian,他tamenganjuejiuxiang“抗kangzhanqudeliaoshengli”,扬yangmeituqi

  拆chaidongqiangbu西xiqiangdejiaolv,因yincuishoushikejinbengdexinqing,他tamenduzanshiwangliao

  大dabufenrendediyigefanying,就jiushi“钱qianbuyonghuanliao”――尤youqishizaitamenfaxianhenduo714平pingtaiguangsuxiajiazhihou

  接jiexialai,有yourengaohuyiqiweiquan,有yourenkaishishang315网wangzhanhejutousujubao,有yourenxiezailiaosuoyou714的deAPP,有yourenzhunbeirengdiaoyongliao8年niandeshoujika,还huanyourenzhuanfaxinwen《个gerenpochanfayaolailiao:欠qianzhaiwulichanghuandepengyoukeyisongkouliao》。

  “我wotiantianyuyuguahuan,现xianzaiganjueshenghuochongmanliaoyangguang。”一yigelaogegankai

  也yeyouxinrenqieshengshengdiwen,714到daodihuanyaobuyaohuan

  在zaibaidudesousuoshang,714高gaopaobuhuanhuizenyang,成chengweiliaoremensousuoxuanxiang

  但dannaxiekaozhuanmenlu714为weishengdelaogemen,却quezaidiyishijianganjuedaoliaoweiji――皮pizhibucun,毛maojiangyanfu

  “没meideluliao,难nanguo。”有yourenaitan

  甚shenzhiyourenzailuntanshangdiaokansideshuo:“我woshiziyuanjiekuan,别bieweinanfangkuande。”

  有yourenzaijiabanjiadian,又youluliaojigekouzi。他tadanxin,“明mingtianjiushayelubuchulailiao”。

  03 波bolangzhouqi

  有yourenjiangzheciyangshidepuguang,与yu2017年nianniandixianjindaijianguandechutaiduibi,认renweixingyejinruliaodiergexiaxingzhouqi

  在zai2017年nianniandi,一yibencaijingjiuzengyuce,现xianjindai退tuichao,地dixia“超chaolidai”上shangchang

  在zai2018年nian,逾yuqikaishishangzhang,导daozhi2017年nianxiabannianjinchangdepingtaijiekuisun

  当dangshijianguanhuachuliao36%利lilvdehong线xian

  “不butaikenengjiegeitamen36%利lilvdechanpin。”一yijiaxianjindaipingtaidechuangshirenhanzheyucheng,这zhegequntifengxiantaida,加jiashanghuokeheyunyingchengben,如ruguolilvshi36%,他tamenzhinengkuiben

  现xianjindaipingtaizhinengshousuo,开kaishijinjishache。但danyixiaofeixiguanyijingyangchengdeyonghu,却quemeiyoushache,他tamenbeixindepingtaijieshou,这zhejiushi“超chaolidai”。

  尽jinguanyangshizuotiandepuguang,剑jianzhisuoyoude“714”平pingtai,但danzheqizhong,还huanfenweiliangzhongchanpin

  一yizhongshi2017年nianjiucunzaidetoubuxianjindaipingtai,它tamenxiangduilaishuolilvgengdi

  “就jiusuanshi714的dechanpin,也yeshinianlilvzai200%以yinei。因yinweishidapingtai,所suoyicuishouxiangduibijiaozhenggui。”一yiweitoubuxianjindaipingtaidefuzerenpingfengcheng,有youxiepingtaiyezhuanxingweidaede“现xianjinfenqi”。

  “客keguanlaishuo,这zhexiepingtaidubushigaopao。”平pingfengrenwei,头toubuxianjindaipingtaixiangduidubijiaokezhi

  而erdierzhong,是shi2018年nianjueqidedixiachaolidaixi

  它tamentongchangdenianlilvduzai1000%以yishang,很henduozijinlaizichaofangtuan、民minjiangaolidai、土tuhao

  这zhexiepingtaiweiliaojisuzhengqian,通tongchangshedingdelilvbijiaogao,且qiecuishoubijiaoyuanshi

  平pingfengrenwei,正zhengshidixiachaolidaidejueqi,才caidaozhiliaoxingyeguodufazhan,并bingkaishishikong

  短duanduanliangnian,现xianjindaixingyepaowanliaolianggezhouqi――如rubolangbanqifu

  为weihezaijianguandezhongyazhixia,行xingyebudanmeiyouqingxiganjing,反fanerchuxianliaochaolidai

  这zheqizhong,第diyigeyuanyin,也yeshizuigenbendeyuanyin,就jiushixingyedebaolixing:大dajiasuiyidingjia,导daozhililvjigao

  而erdiergezhongyaodeyuanyin,是shizaishehuidezuidiceng,有youyiqunrenchangqidebudaohelidejinrongfuwu

  “利lilvbushizhongdian,重zhongdianshishuinengjietazhebiqian。”一yijiachaolidaipingtaidefuzerencheng

  他tadaliaoyigebiyu:“你nipataishan,到daoshandinghoutebie饿e,而ershandingyiwanmianmai50元yuan。哪napatadejinjiazhiyouliangsanyuan,你niyebudebuchi。”

  底dicengrenqundejiedaigangxu,长changqidebudaomanzu。在zaichuxianrenheyidianyouhuohekouzizhihou,他tamenjiuhuixunsuyongru

  这zheshiliangnianzhinei,行xingyebaofashizengchangdezhongyaoyuanyin。这zheyeshiweihe2017年nianniandijianguanzhihou,行xingyebianbenjialideyuanyin

  未weilai,行xingyejiangruhe

  中zhongguoshehuikexueyuanjinrongyanjiusuofayujinrongyanjiushifuzhurenyinzhentao(博boke,微weibo)认renwei,行xingyewuyihuijiasuxipai、出chuqing

  “行xingyekenengzhihuishengxiatoubudejinrongkejigongsi,这zhexiedixiadepingtaihennanzaicunhuoxiaqu。”尹yinzhentaocheng

  但danyeyourentichuliaolingwaidejianjie

  “这zhegerenqunyuqihou,因yinweiguanxing,又youhuikaishixunzhaoxindepingtaijiedai,于yushi,一yipixinde、更gengdadandewanjiakaishichuxian。” 韩hanzheyucheng

  他tarenwei,下xiayibojinchangdewanjia,因yinweidingzhuogengdadefengxian,需xuyaogengyinbi,所suoyi,给geichudelilvkenenghuigenggao

  相xiangyingde,执zhifanandubiandegenggao

  因yinci,行xingyehenduorenjiangchaolidaibiyucheng“扫saohuangdafei”:行xingdongyijieshu,“小xiaojiemen”可kenengyouhuichudong

  那naxiebuyuanlichangdechaolidailaobanjiangzijidechanpingaiwan15天tianhou,也yeshijiyuzhegeyuanyin,准zhunbeiguanwangshichang

  韩hanzheyurenwei,行xingyehuijuantuzhonglai,甚shenzhigengweifengkuang,“只zhiyaozhegexingyedegangxuhuanzai,这zhegexingyejiuhuiyizhicunzai。”

  有yourenjiangxianjindaixingyebiyuchenggushi,称chengzhiyaogengduodezijinjinchang,市shichangjiuhuishangsheng,最zuizaojinruderenduhuizhuanqian

  当dangxingqingbuhao,所suoyouderencheli,行xingyejiuhuixiadie,后houjinderenjiuhuikuiqian

  但danshi,这zhegeleisigushidemoxingzhong,还huanyouyigeqiangdadequdongyinsu,就jiushizhegequntibenshenjieqiandeyuwang

  “一yidanxingchengqiangliede、上shangyinbandejiekuanyiyuan,他tamenhuituidongxingyejisujinruxiayigezhouqi。”韩hanzheyucheng

  这zhegexingyedechulunandaojiuwujieliaoma?它tashifouxianruliaoexingxunhuandesiju

  韩hanzheyurenweidaoshiweibi,如ruguolilvfangkaiyidian,头toubugongsijinchang,用yongzuihelidejiagefuwuzhegequnti,可kenenghuichuxianzhuanji

  同tongshi,需xuyaodajiandicengrenqundeshujugongxiangtixihezhengxintixi,防fangzhitamenguodufuzhai。钱qianzhinengzuoweitamendeyingjisuoxu,而erfeimanzutamendeguoduxiaofeihebuliangshihao

  用yongliangxingshichangqudongexingshichang,才cainengzouxiangzhengxunhuan

  但danzhetiaoluyoutainan,中zhongjianyougezhongliyiheyuwangdeboyi,人renmenweibibuhuizaimougechalukouzouxiangqitu

  要yaozhenzhengqinglizhepianliyicongshengdejianghu,可kenengxuyaomoda(博boke,微weibo)的dejuexinhenaixin……

  *文wenzhongbufenshou访fangzheweihuaming

benwenshoufayuweixingongzhonghao:一yibencaijing。文wenzhangneirongshuzuozhegerenguandian,不budaibiaohexunwanglichang。投touzizhejucicaozuo,风fengxianqingzidan

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