After the campus loan, the young woman who is now a ＂beauty loan＂ was defrauded of 18,000 yuan.

　　　In the mirror, the swollen pustules are crowded next to each other and layered, covering the whole face and spreading half of the neck; In the mobile phone, the dunning phone that owes a loan of 10,000 yuan for medical expenses rings again and again. This 21-year-old girl named Zhou Shuan feels really "chic" this time.

　　Five years ago, Zhou Xiaosa graduated from junior high school and left his hometown in rural Gansu to work in Tianjin. "Fighting acne" has always been regarded by this young girl as "the biggest trouble in life". However, she didn’t expect that her eagerness to cure acne was actually a step-by-step routine. Now that acne has not been cured, the phone that urges debt repayment still comes to the door, but she has no way to complain and has hardships.

　　Step by step by routine — —

　　2,000 yuan to 18,000 yuan, no money to borrow.

　　I bought all kinds of acne products and used countless remedies, but the acne on my face grew more and more. This time, Zhou chic decided to go to the hospital for a good treatment.

　　She searched for "Tianjin Hospital for Treating Acne" on the Internet, and the online slogan of a hospital specializing in treating dermatoses immediately touched her — — "Integrated traditional Chinese and western medicine specializes in treating female acne". The website keeps rolling out red, large and bold characters — — "Look at the skin, look for top three famous doctors", it seems that every word speaks to Zhou’s chic heart, and she judges that "it should be a very formal specialized hospital".

　　After getting in touch with this hospital, a person who claimed to be Dr. Kong added Zhou Xiaosao and her brother’s WeChat. After Zhou Xiaosao sent a photo of his face, Dr. Kong initially judged that it was "hair follicle blockage infection" and suggested that "internal adjustment and external treatment can generally recover in 3 ~ 4 weeks". Regarding the cost, he proposed "prepare 2000 first" and called it "wide preparation and narrow use, and the specific face-to-face consultation will explain the cost".

　　According to the appointment number given by Dr. Kong, on June 20 this year, Zhou chic came to this hospital and was received by the director of dermatology. After nearly testing in 300 yuan, the director listed the medical expenses for a course of treatment (one month), including 12,460 yuan for treatment, 2,209.8 yuan for Chinese herbal medicine and 982.95 yuan for western medicine. That is to say, if you want to cure the acne on your face, Xiao Zhou will have to spend 15,600 yuan at a time.

　　"If you can’t cure it, do you want to continue treatment?" In the face of Zhou Shuan and his brother’s questioning, the director replied that "it is almost the same in general" and reassured them that "your money will not be wasted".

　　The monthly working income is only 3,000 yuan, and it is unstable. Zhou Zifeng is a little hesitant in the face of high medical expenses. At this time, the director comforts her, and she doesn’t have to take out so much money at once. Here, she can get an interest-free and fee-free loan. In order to appease her worries, the director also specially emphasized that many people have done it.

　　The nurse took Zhou chic to another room on the same floor, where the staff directly took her mobile phone and asked her name, ID number, address, work and telephone numbers of her parents, brother and sister-in-law. "They all operated and filled in the information for me and taught me how to answer the phone call from the loan platform". Zhou Xiaosa said that the staff told her to lie about her monthly income of more than 6,000 yuan, which proved that she had the ability to repay, and also said that "loans are made like this now".

　　About 10 minutes later, the loan procedure was passed. The total loan for six months was 15,600 yuan, and the overdue interest was one thousandth of the daily interest, that is, the annual interest was 36%. The money was never handled by Xiao Zhou, but directly transferred to the hospital account.

　　After about 20 days of treatment, Zhou Xiaosa told the director that the acne on her face showed no signs of improvement, and the director once again prescribed traditional Chinese medicine for her to take orally. Zhou chic also paid all the cash he had with him, more than 2,000 yuan, to buy medicine.

　　At the end of a course of treatment, I finished taking the medicine and did 9 treatments. The loan and medical expenses paid directly by Zhou Zifeng were almost 18,000 yuan, but the money was spent, and the acne on my face not only did not improve, "the inflammation in many places was worse." Not only that, Zhou said, but she had dizziness and headache after taking the Chinese medicine prescribed by the director of dermatology. After examination, she found that her blood pressure was too low, and she only got better after stopping taking the medicine.

　　She went to the director for advice. The doctor thinks that there is no problem with his prescription and treatment plan, and the reason for the poor treatment effect is "definitely caused by your own diet and irregular work and rest", and said that "it takes a process to treat acne, and you have to persist in treating it, which is sure to be good". When asked how much it would cost to be completely cured, the director told Zhou Shuan, "It may cost another 70,000 to 80,000 yuan. I still have cases where it took hundreds of thousands to be cured."

　　Zhou chic felt that she had fallen into the pit and decided not to continue treatment in this hospital. What she didn’t expect was that she soon received a repayment notice call for the 15,600 loan she owed. When she communicated with this loan platform, she said that she didn’t know how to spend the money at all, and asked the platform to provide the hospital’s medical bills. The other party said that it could not provide it, and repeatedly reminded her, "If you don’t repay on time, we will go to court to sue you, and the consequences will be very serious."

　　Insiders reveal secrets — —

　　Beauty agency may get 30% ~ 60% commission.

　　"From the routine analysis of the above-mentioned case loan, it is a derivative product of the former campus loan, and some people call it a beauty loan." Zhang Xiaotao, an associate professor in the Department of Finance, Department of Management and Economics, Tianjin University, said.

　　Because of a series of problems such as ultra-high interest rates, naked loans and violent dunning, campus loans have been supervised by banking supervision departments, education departments and Internet finance associations, especially since last April, campus loans have entered the stage of centralized supervision, and dozens of online lending platforms have successively withdrawn from the campus loan market. However, some platforms put on gorgeous coats and appeared in another name. "The target is still a group of young people who lack social experience and lack financial consumption knowledge but have a desire to consume ahead of time."

　　The reporter searched the websites of a number of beauty and plastic surgery institutions, and all of them provided diversified medical and beauty staging services with "zero down payment" and "zero interest". In recent years, with the rapid expansion of the domestic medical beauty market to the order of 100 billion, some internet finance companies and financial consumption platforms have also poured into this industry, and some beauty loan platforms focusing on the medical beauty industry have claimed to have obtained tens of millions of financing.

　　An industry insider who did not want to be named believes that "the combination of Internet finance and different industries is the future development trend. The beauty loans and training loans that have emerged in recent years are all new things, and the corresponding supervision is obviously lagging behind. "

　　"When Zhou applied for a beauty loan, the agency claimed that there was no guarantee, no interest and no handling fee. It sounded beautiful, but it just exposed the problems behind it." The source said that no Internet finance company would do anything without profit. "If the profit is not in the light, it may be in the dark."

　　He revealed that there are beauty loan intermediaries between beauty institutions and loan platforms, and their cooperation is often reflected in the sharing. "Intermediaries can get 30% or even up to 60% of the loan amount."

　　Under the "internal cooperation", hospitals or beauty institutions have obtained customers and can get a share; The loan platform has gained customers; The intermediary earned a commission, but the consumer was induced step by step and eventually owed a "debt."

　　In January of this year, the police in Jiangbei District of Chongqing cracked a cash-out case of "beauty loan". The police found out the routine, and the loan intermediary cooperated with a beauty consultant of a beauty hospital to fabricate personal information and apply for a loan from an online finance company. After successfully applying for a loan, the consumer finance company will directly pay the loan to the account of the beauty hospital, and the beauty hospital will pay the money to the intermediary after deducting 30% of the commission. The remaining 70% will be paid to the lender by the intermediary after deducting 40% of the intermediary fee, and some intermediaries will not even pay a penny to the lender.

　　Hyaluronic acid, which is usually worth several hundred yuan, has been raised to several thousand yuan, and the beauty projects done far exceed the normal price. In order to defraud loans, raise consumer prices, and fabricate consumption items, beauty hospitals also deliberately forge one or two items and join hands with intermediary companies to defraud consumer finance companies.

　　"From Zhou’s chic experience, it is difficult for that beauty agency to constitute fraud, because many of them are stepping on the policy gray area, the so-called ‘ Unreasonable but not illegal ’ 。” Zhang Xiaotao said that most deceived consumers have the problems of difficulty in obtaining evidence and defending their rights, so they can’t afford to spend energy and can only admit bad luck.

　　In response to this phenomenon, Nanjing Consumers Association has issued an early warning, saying that intermediaries and beauty agencies collude together and take unconventional measures to fool consumers who have no ability to repay loans. However, some student groups or young people who have just entered the society often become targets and are induced to consume in advance and over-consume.

　　Young people urgently need to make up the lesson of financial knowledge.

　　Having been in contact with college students on campus for a long time, Zhang Xiaotao feels that college students have too little financial knowledge now. "Even those who major in finance are relatively backward in knowledge in books, and now there are endless new things on the market, which makes people overwhelmed."

　　Nowadays, the consumption concept of young people after 90 s and 00 s has long been different from that of their parents. Previously, Tianjin University had published a survey report on college students’ online credit consumption. The report shows that 29.03% of college students have applied for loans, and more than 60% of them have made loans through online platforms. It can be seen that the Internet lending platform has become the main channel for credit loans for college students. The consumption pattern of credit consumption and advanced consumption is especially recognized by the new generation of post-90s college students.

　　"For college students who are about to enter the society from campus, it is urgent to make up the lesson of financial management knowledge." Zhang Xiaotao thinks that this may be more practical than learning more about history and geography.

　　Tao Hui, a lawyer of Tianjin Sifang Junhui Law Firm, suggested that consumers must enhance their awareness of self-protection and be responsible for their actions. First of all, we should have a rational concept of consumption. Once we sign a contract or show our personal documents, we should think twice carefully, especially to study the terms of the contract repeatedly.

　　She suggested that young people should cherish their credit records. Some consumers can’t refuse to pay back because they think they are victims, because since the contract is signed, microfinance companies do have the right to ask consumers to pay back the money. "Otherwise, they will leave indelible stains on their credit records, which will affect their lives."

　　China Youth Daily Zhongqing Online Reporter Hu Chunyan