What are the profitable travel platforms?

If you want to borrow money, you need to buy a member first. Isn't this a disguised beheading benefit?

As early as 20 19, Tongcheng exposed the problem that "diamond members" were suspected of beheading. After three years, Tongcheng tourism once again stood on the cusp of public opinion because of the same problem.

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Charge beheading interest and disguised usury

On the black cat complaint platform, as of August 12, there were as many as 17323 complaints about "Tongcheng Jin Fu". In the process of lending, Tongcheng was complained by many consumers about evading supervision, usury, high beheading interest, routine loans and violent collection.

Among them, "beheading" is the hardest hit by consumer complaints.

On August 2nd, a complainant complained that he borrowed RMB 1 1,000 from Tongcheng, and the membership fee was 2 19 yuan each time for 1 period. I only enjoyed the membership rights once in the middle, but I didn't enjoy the other 10 issues.

During this period, if you don't buy a member, you won't borrow money, which is equivalent to beheading interest in disguise.

Many people also charge beheading interest in this way. Another complainant said that after borrowing "money for travel and money for purchase", he realized that every time he borrowed money, he needed to open a member, and the loan did not match the actual amount received.

Later, loans were violently collected, harassed by various threats, negotiated repayment and deferred repayment were also rejected, resulting in heavy debts.

The same "spending money to buy" tourism has also been complained about routine loans and usury. Some users said that they bought the "delivery card" of Dark Horse for 2,400 yuan with the pre-purchase quota.

With the delivery card set, I found "JD" in it. COM card "1000 yuan in cash, actually arrived in 940 yuan; Wanshang Gift Card "500 yuan cashed in and actually went to 470 yuan; 400 yuan cashed in 1000 yuan gift card, and the actual amount was 282 yuan.

In other words, I borrowed 2400 yuan and actually received 1692 yuan, which should be paid off in one lump sum. When I bought it, it showed that I could return it in installments of 12.

Not only is it mandatory to bundle consumption when taking money for travel, but it also charges beheading interest in the form of diamond cards. All kinds of cards are dazzling.

Beheading interest is a common way to collect loan interest in advance in cash loan industry. With the strengthening of supervision, many benefits of beheading have become these so-called "shopping cards".

Tongcheng Finance lent in disguised form through shopping cards, which evaded supervision to some extent. Qian Shengqian made a lot of money by buying and selling. This is why beheading has been banned, but it still cannot be eliminated.

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Tongcheng's loan business

According to public information, Tongcheng Tourism was established in 2004 and is headquartered in Suzhou. 20 18, 1 1, Tongcheng Tourism is listed on the Hong Kong Stock Exchange, which can be said to be the leading one-stop online travel service platform in China.

In recent years, Internet finance has become popular. By the end of 20 18, there were more than 6,000 p2p platforms in China, including Thunder. In the face of huge profits, Tongcheng Travel began to rely on the huge traffic of the platform to develop lending business.

Tongcheng Jin Fu was established at the end of 20 15. In order to optimize Tongcheng's financial ecology, supply chain finance, microfinance, consumer finance, wealth finance, cross-border finance and other systems have been built.

The developer of Tongcheng Jin Fu is Guangzhou Firefly Microfinance Co., Ltd. According to industrial and commercial data, the legal representative of Firefly Microfinance is Ye Nanxing, and the sole shareholder is Guangzhou Lvjin Technology Co., Ltd. (the operating entity of Tongcheng Digital Branch), which was approved for establishment on 20 16.

Among them, Chengbaitiao is divided into tourism stages, cash withdrawal and purchase of 3C and other commodities are divided into stages, and large loans and credit lending mainly provide diversion services for third-party operating platforms.

It can be seen that Tongcheng Tourism has laid out financial services such as consumer finance, staged shopping malls and loan supermarkets.

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Diversion of third-party lending institutions

Recently, a new user tried to apply for the "cash withdrawal tour" quota, but failed to apply for the quota, and recommended a third-party loan product link to them.

After clicking the relevant links, Tongcheng Digital Branch drained out loan platforms or loan supermarkets such as "Haoshe Loan, Kuaihua Loan, Kadane, Rong E Wallet, Yin Bao Wallet, Bai Yong and Rong 360".

On the black cat complaint platform, there is a user cla.

In this way, common problems such as usury or violent collection have also appeared on other loan platforms guided by Tongcheng Tourism App. In fact, these problems were exposed as early as 20 19, but after three years, the problems still exist.

According to the performance report of the first quarter of 2023 released by Tongcheng Travel, the average monthly users of Tongcheng Travel reached 240 million.

Backed by 240 million monthly users, Tongcheng ignores the user experience. Under the background of stricter internet financial supervision, there are still problems such as beheading and violent collection. Kill the trust of users.

Once the most trustworthy tourism platform, it will soon become the "most profitable tourism platform". As a service platform of cultural tourism industry, we should pay more attention to consumers.

In addition, in June of this year, 5438+ 10, Tongcheng Tourism announced that Zifeng Zhang, an actress from Chinese mainland, had become the new brand spokesperson.

As a result, I can't help thinking that some time ago, Hu Jun, who was exposed, endorsed the extension of a wealth management product. The product involved 340,000 frauds, amounting to 39 billion yuan.

In recent years, many artists have "overturned" their products. Will Zifeng Zhang turn over this time?

Related Q&A: Is the loan platform formal? Also, the loan platform is formal. According to China's relevant regulations, any financial institution that wants to lend legally needs to hold a consumer finance license approved by the China Banking Regulatory Commission before it is eligible for private lending. Huanbai is a microfinance service platform under Jihe Technology and holds a consumer finance license issued by China Banking Regulatory Commission. In other words, Huanbai, under the banner of Jihe Technology, is qualified for private lending and is indeed a legal lending platform. The minimum annual repayment interest rate is 9. 13% and the maximum is 24%. The benchmark for central bank loans is: 3.85% for one year and 4.65% for five years. The repayment period of the loan is no longer than five years, so we calculate it according to the one-year benchmark interest rate, so the repayment interest is within the legal range. The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully! Before, I also needed business turnover. I have used several microfinance products. The first one I applied for was a small amount of money (formerly Baidu Finance), which was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods. Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

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Pay special attention to the amount of money spent: 1. After the amount is spent, it should be withdrawn as soon as possible, because the amount may become invalid after a long time. 2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer. Anyway, Baidu Finance supports free prepayment. If it is not needed in a few months, you can choose to settle in advance. It doesn't matter to us how long the interest will last. Make sure to mention it first. My second application was 360 IOUs. After all, they are all big platforms, so I applied first. The amount is 5.5W, and the interest is almost the same as the money spent. 360 IOUs, with a maximum loan of 200,000!

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There is also a trick to applying for 360. After simply filling in the information at first, the amount that comes out is only a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough, you can apply for a privileged loan directly without withdrawing cash. This is a lot of money. As long as you have the basic quota, the privileged loan will definitely pass, and the quota will be greatly increased. The privileged loan supports 24 periods. My basic quota is 9000 yuan, which is 5.5W after upgrading the privileged loan. The third is that Ping An Bank can borrow up to 500,000 yuan in new loans (fast loans)! 0 mortgage 0 guarantee: no guarantee is needed, only personal credit is needed, and the application threshold is low: you can apply for a monthly income of more than 4,000 yuan (provident fund, mortgage, and insurance policy are all available).

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