These days, people who don’t catch the bus are always complaining about the solidification of the class, in fact, it is not necessary.
There is more than one upward channel for the class, there is also a downward channel. Internet finance, is the best slide to help you accelerate the sinking.
All people leek through the test, no one, can escape from the scythe of Internet finance.
01
Recently Jingdong Finance was scolded out of Xiang. Because it violates the last bottom line of this era – Huohuo’s scythe, reaching out to the bottom of this society.
This advertisement is like this.
In the video, a migrant brother in the cabin, because the mother of the neighboring seat nausea and want to vomit, asked the flight attendant can open the window, the results were told that only the money to upgrade the cabin, the shy migrant workers helpless.
At this time, the front row of the city began to perform, a very disgusted look, a big boss in the back seat can not stand to see, shouting “I’ll pay! “
I thought the big boss to draw a pile of money to help migrant workers to relieve the siege. The result is that he took the cell phone of migrant workers brother applied for more than 100,000 online loans ……
“Ten thousand yuan daily interest rate of a minimum of 1 yuan 9, not yet a bottle of water expensive.” Hearing this migrant workers eyebrows and smiles, “this interest rate is not really high.”
A short 57 seconds of earthy video advertising, a blend of “people in the way” “the world without a thief” the essence of several films, the screenwriter is really very attentive. This talent, not sent to the North Korean propaganda system is too drowned talent.
There are 1 billion people in China who have never taken a plane, 500 million people have not yet used the toilet, migrant workers usually do not even drink a cup of milk tea, Jingdong wielding a scythe close service.
It’s really worthy of inclusive finance! For the country’s consumer upgrade, the construction of a new pattern of economic internal circulation-based, the Internet community is worried about the heart.
** I remember on the eve of the French Revolution, the guillotine was still the exclusive courtesy of the aristocracy, representing the bourgeoisie of the Jacobins put the extravagant Queen Mary in capital punishment.
**
**Today, in the age of the Internet, capital is still that unchanging executioner. Only the group that was pushed to the guillotine has long been replaced with the lowest class of the poor.
Thanks to the Internet, ordinary people can also feel the thrill of having their heads fall to the ground.
However, this is not the most terrible thing.
Did you notice a detail: the migrant workers were bombarded with this type of advertising video, cutting from the head to the tail. The elite and middle class, on the other hand, basically don’t see a similar push.
If this ad wasn’t vulgar enough and low enough, maybe this thing wouldn’t have even broken the circle and been noticed by the white-collar workers in the skyscrapers.
Why is this so?
The reason is simple and scary to say the least. Data analysis, has long folded this society into different parallel worlds completely.
Those Internet apps peep into everyone’s privacy, and then in the cloud server in the background, classify everyone into different categories: gold collars earning millions a year, middle class, college students, migrant workers, women, single dogs, and small bosses with tight cash chains on hand.
The big guys use the precision push of big data to tailor an exclusive scythe to each group, so each person sees a different scene.
Married, pushing you the scene that your wife wants to buy a designer bag. The city girls who love beauty, cosmetics advertising content for the boyfriend split, the woman is greatly stimulated, loans to package themselves to become beautiful, and finally snatch the man back ……
Each class is living in its own cocoon room, unaware of the tragic situation in another room. Although, one’s head is hanging a guillotine that will fall at any time.
02
When I talked to a big brother yesterday, he mentioned a very interesting phenomenon. In the past, the two fields that were most likely to create the richest people were real estate and the Internet. Real estate was originally considered to have original sin, and today the Internet has also begun to “original sin”.
In the past, people touted the Internet, unlike real estate, and the power to get too close. Now people look back and realize that many of the Internet giants’ rapid progress is based on the transfer of wealth to the bottom.
Without the invasion of user privacy with impunity and the abuse of big data to kill familiarity, the Internet economic platform could not have gained such high excesses and gone so fast.
Some netizens then said that this is a new era of enclosure movement: e-commerce crushed the small brick-and-mortar stores, net cars grabbed cab rice bowls, community group buying wiped out the vegetable vendors …… Finally these were squeezed down the small bosses, small traders, small businessmen, turned into couriers, delivery men, vegetable delivery men and drop drivers.
“Everyone lost everything and became Internet hitmen.”
Before Google went public, it gave itself a slogan called “No Evil”. At first, many people laughed at it, an Internet company, making it look like a government unit. Put in today, you know how rare the spirit of not doing evil.
Big data analysis is like a knife, you can take it to slay the dragon, you can also take it to cut leeks. China’s Internet industry has chosen the latter.
Some platforms have apologized, while others are still carrying on. This kind of obstinacy is really admirable.
A few years ago, the central bank opened the money-printing machine to release water, the richest old king has money in his hands, overseas mergers and acquisitions are extremely generous, but the subject matter is abroad, the debt mines are buried in the country.
In 2017, China’s foreign exchange reserves fell sharply by one trillion dollars, pulling the trigger on the government’s regulation of irrational foreign investment, and the severity of its wording and swiftness of its regulation quickly created a siege in the whole society. Banks were forced to line up credit risks and tighten liquidity. Finally the richest were busy selling their assets and never dared to borrow another 500 years from the sky.
Yesterday was to prevent the disorderly expansion of capital out of the sea, today’s anti-monopoly targeting the Internet is to prevent the disorderly expansion of capital inward.
The knife of this higher segment, sooner or later, is going to fall down. Those who can’t see the direction of the wind will definitely shed tears on their knees in the future.
03
The biggest problem of Chinese business society is that many industries are suffering from “bicycle sharing disease”, that is, the financialization of the Internet.
This is true from long term rental apartments, to training courses and medical institutions. The whole society has been greatly shifted.
In the case of eggshell, it is actually a financial institution in the guise of a real estate company. Eggshells are “long collect and short pay”, charging tenants a year’s or half year’s rent and paying the landlord on a monthly or quarterly basis. For tenants who are shy, eggshells will be kind enough to give you a good idea of the way out and recommend rental loans.
After taking money from tenants, eggshells then rapidly expand, open new stores, and continue to lend, and the cycle continues. If not for the epidemic this year and the deteriorating economic environment, I’m afraid eggshells would have opened branches on the moon.
Finally the young people were “capital operation” overturned the roof, the wind and rain came and smacked in the face. The young people who left their hometown for the first time realized how cold the winter outside was.
Our great country, every year, millions of college graduates graduate, they are young and naive, full of childishness, in the eyes of the three schools, is the most fresh leeks.
Just take the rental mortgage pit, will be the next pit in waiting for you.
Want to enter the visual designer, IT programmer and other popular careers, but no money? No matter, “training loan” to understand. There is a domestic training institution called Da Mou Technology Group, offering visual designer training courses, the cost of 22,800 yuan. The first monthly payment is sometimes promotional, only a few dozen dollars, seemingly affordable, but the whole process down to an annualized interest rate of 16.81%, far beyond the normal bank interest rates.
Want to become more beautiful to facilitate career advancement, get a golden son-in-law, and live in a small villa? No problem, medical beauty loan to understand. Due to the sky-high cost of beauty and cosmetic surgery projects, young people often cannot pay in one go and have to pay back the loan in installments. Medical beauty institutions will normally give credit lines of 20-30 thousand yuan to earn interest money.
If pyramid schemes take advantage of human greed, then Internet finance takes advantage of human anxiety. Training loans are essentially similar to Law, using the knowledge anxiety of young people. “Learning is an investment” “no longer improve yourself If you don’t improve yourself, you will be left behind by the times”.
The medical beauty loan takes advantage of the face value anxiety. “Face value is the passport to the workplace”, “Ugly people In the workplace can not survive the second episode”. Medical beauty salespeople, describe the return on investment after a facelift to a tee.
These institutions use financial operations to rapidly expand to open new stores, and then go back to continue lending. What a familiar recipe, a familiar taste.
04
This is a time when all people leek through the test. In addition to migrant workers and college graduates, the scythe will also be bottom up, 360 degrees all over.
For the middle class, the Internet finance has carefully prepared P2P before.
These P2P companies claim to respond to the state “for the real economy”, office location is not Jinmao Building or Kerry Center. And the most amazing thing is that this field is full of talents from top schools!
He went to the United States to study economics at Southern University, and finished his studies at DLJ Investment Bank on Wall Street to engage in IPO, debt issuance and M&A business. After returning to China, Tang Ning founded Yixin, which became the first Chinese Internet finance company to be listed overseas.
In 2010, Yang Yifu and Li Xinhe, who graduated from the Department of Financial Mathematics at Peking University, got together with Zhang Shishi from Tsinghua Park and founded Renren Loan.
There have been industry bodies statistics. 81 P2P platforms with pending revenue of over 100 million, Tsinghua and Peking University executives have 38 people.
These fund managers why to study hard, desperate to get into Tsinghua University? It is for later when you dare to question the return on investment of P2P, he can take out his degree and smash it in your face, “Do you know more than the people of Tsinghua University? “
In the heyday of P2P, many families with spare money plunged in, fantasizing about “taking a chance and turning a bike into a motorcycle”, only to lose everything.
When you’re done with the P2P mess, you’ll find that there are bigger surprises waiting for you.
Your children always need to learn English and have various hobbies, right? The Chinese Entrepreneur reported on Weber English’s children’s business brand “Happy Beans”. “There are more than 3,000 students in Changzhou City, and the average prepayment per child is more than 20,000 yuan, which is still prudent, and some families even prepay more than 90,000 tuition fees.”
In October 2019 Weber English saw a wave of closures, and in less than ten days, institutions across Beijing, Shanghai, Hangzhou and Chengdu closed their stores.
This year, Brothers in Arms, Mingxi Language, and Yusheng Education have “exploded” one after another. The main focus of the children’s physical training fun move journey also closed down, this institution Series A financing of 120 million yuan, the peak of a month had even opened ten stores.
The savvy Internet financial institutions have figured out a variety of leek-cutting positions, from the head of the leek to the root of the leek, never leave anyone behind.
It’s not easy to go through this life safely.
05
By the way, in the previous eggshell thunderstorm, eggshell owed money to a contractor, and in order to pay his men, the contractor had to borrow money from Ant, which is one of the shareholders of eggshell.
The Internet giant planted a mine in one hand and gave you usury in the other hand to help you through the difficult times. A leek two eat, is simply a business genius. This shows that our Internet scythe, not only the whole class harvesting, or the whole industry chain harvesting.
These days, to be a new era of “farmers” with a scythe in hand is definitely a technical job.
You see, the past financial loan shark model is very old-fashioned ah, street flyers, debt collection when called on a group of junior high school-educated punks, door-to-door paint, the whole industry chain is very outdated. Now the Internet people do finance, using big data analysis and other advanced tools, eating can be much more sophisticated.
They collect and analyze personal privacy information to paint a “user portrait” and accurately identify potential targets. Compared with the previous street flyers, I do not know how much more efficient.
And you can not answer the leaflets on the street, but there is no place to hide from the accurate push of big data. As long as you have browsing “traces” on the Internet, according to your traces, I can always find a point that can take you down.
If you do not pay on time, you may be on the credit list, can not take the high-speed train, can not stay in a hotel, it is difficult to travel. The small and micro enterprises on Taobao are even worse, their stores are in the hands of Ma Yun, so Ali is not afraid of small and micro enterprises do not pay back the money.
The United States Musk in the launch of rockets, sprint to outer space, China’s Internet entrepreneurs rolled up their pants, the field to cut leeks.
This era, is so bizarre.
But there is a saying, how to get out of the mix, always have to pay back. I do not believe that no one can cure them.
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