“Qianqianyou” borrowed 1,000 188bet app and actually received 801 188bet app

Yang Fan (pseudonym) from Sichuan recently called China and New Zealand，July 11，When he checked the high-speed rail time on 188bet app APP，See the page showing "Travel in installments, withdraw money and go", "Travel with 0 down payment", "Cash withdrawal available", etc.，Just out of curiosity, I tried clicking it to see if I can actually borrow cash。

According to the page operation prompts，He entered personal information，And borrowed 1,000 yuan on the "Money Travel" platform of 188bet app APP。Just when he sighed, "It is true that borrowing money and lending money instantly"，Received a message，According to this information，Yang Fan borrows money and needs to repay 1029 in one month.45 yuan，At the same time, 199 yuan was deducted from the "loan speed-up package"。

“199 yuan was deducted from a 188bet app of 1,000 yuan，Only 801 yuan was actually received，The daily interest is more than 7 yuan，Annual interest rate exceeds 300%。”Yang Fan said。

▲Screenshot of complaints about 188bet app on 21Jucomplaints

Is it necessary to use the "Loan Acceleration Package" to apply for a loan？Discovered by China-Singapore Jingwei，In the "Borrowing money and installment travel" page on the homepage of 188bet app APP，No matter click on the "Money Withdrawal Travel", "Outbound Travel", "Domestic Travel", "Cruise" or "Air Ticket" service options，The page will jump to the "Chengcheng Baitiao" page，And prompt the user to fill in personal bank account information。

After filling in personal information，The application loan amount page appears，There is no option to purchase value-added services on this page。But before submitting loan application，The prompt "Application failed" appears every time，The prompt content shows: "Because your credit score is low，Need to purchase credit enhancement service products，Increase loan success rate。”After clicking Buy Now，There will be credit-enhancing service products such as light luxury 188bet app rights cards ranging from 50 to 200 yuan，Usage period is only half a month，Obvious note below the product: Helps improve loan success rate，Second loan。

According to the prompts of 188bet app APP，These "privilege cards" are not compulsory to purchase，But actually，Some users reported，In most cases，Want to borrow money quickly，You need to purchase these "privilege cards"。

For the situation encountered by Yang Fan，Zhao Zhanhan, a lawyer at Beijing Zhilin Law Firm, told Sino-Singapore Jingwei，This is actually a disguised form of charging fees，The user will be deducted 199 yuan "Speed ​​Up Package" immediately after the loan is received，Under the premise that the principal should be based on the actual amount spent by the platform，The interest charged by 188bet app obviously exceeds the national standards，Suspected of "beheading news" in disguise。

Li Fulai, a partner at Beijing Zhongce Law Firm, told Sino-Singapore Jingwei，According to Article 27 of the "Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases"，The principal should be calculated based on the actual 188bet app amount provided by the lender，The agreement is invalid if the interest rate exceeds 24%，The borrower can claim against the platform for non-payment。

The borrower did not repay the 188bet app, and his friend was "harassed"

In addition to charging 199 yuan for the “loan speed-up package”，Netizens also questioned 188bet app’s excessive collection of user information。Recently，Ms. Li questioned 188bet app’s collection methods in the 21Ju complaint，"Friend owes money，People traveling on the same trip sent me harassing text messages，Why is there my contact information？”

▲Screenshot of Ms. Li’s complaint 188bet app on 21Ju Complaints

Noted by Sino-Singapore Jingwei，In the "Chengcheng Baitiao User Agreement" owned by 188bet app，Article 4 is mainly about information collection、Use、Share。This clause shows: To better provide you with services，Except when you actively provide information to the service provider when applying for or using this service，You agree and authorize the service provider to retain any information related to this service through the service provider's affiliated companies and Tongcheng's subsidiaries，Collect partners retained by service providers (including but not limited to small loan companies、Guarantee Company、Factoring company、Fund Company、Securities Institution、Trust Company、Other third-party cooperation agencies, etc.)。

In addition，The types of 188bet app the platform is "permitted" to collect are also very wide，Includes borrower identity 188bet app、Access location service 188bet app such as computer IP address，There is also credit 188bet app、Property 188bet app，Including but not limited to financial and tax 188bet app、Real estate 188bet app、Vehicle 188bet app、Fund、Insurance、Stock、Trust、Bonds and other investment and financial management 188bet app and liability 188bet app。

It is worth mentioning，Sino-Singapore Jingwei just filled in personal information in the "Money Withdrawal Tour" of 188bet app，Did not check to agree to any "agreement"，But not long after, I received a call from the customer service of "Moonlight Man Baitiao" recommending a loan。“Moonlight Man Baitiao” is a third-party loan platform cooperated with 188bet app。

Whether 188bet app is suspected of excessive collection and use of user information，Some insiders say，Platforms collecting personal user information should follow the principle of “minimum enough personal information” proposed by national standards。The platform collects as much personal user information as possible，This is actually contrary to national regulations。

In response to the situation encountered by Ms. Li，Li Fulai said，If in the loan agreement of 188bet app，There is a provision to obtain the debtor's address book，And the debtor agrees to the terms，Then the platform can collect the debtor’s address book information，But 188bet app sent “collection” messages to the debtor’s relatives and friends，At present, there are no relevant laws and regulations restricting this behavior in our country。

"If the collection message is suspected of being "insulting" or "abusive"，Even threatening and intimidating messages，and publish frequently，188bet app is suspected of violating the "Public Security Management Punishment Law"，The platform should be punished。” Li Fulai said。

188bet app has deployed many financial businesses

Sky Eye Check information display，The "Chengcheng Baitiao" and "Qianyou" mentioned above are all loan services launched by Tongcheng Financial Services, a subsidiary of 188bet app, for personal travel consumption，Tongcheng Financial Services is a financial services company wholly owned by Shanghai Yinlv Financial Information Services Co., Ltd.。Public information display，Tongcheng Financial Services was established at the end of 2015，Registered capital is 100 million yuan。

Related information is also displayed，The fund provider of 188bet app Financial Services is Guangzhou Firefly Small Loan Co., Ltd. (hereinafter referred to as "Firefly Small Loan")，The legal representative of “Firefly Small Loan” is Ma Heping, CEO of 188bet app Yilong，Registered capital is 200 million yuan，Approved and established in 2016，Headquarters in Guangzhou。Ma Heping works for more than 30 companies in total，Among them，Ma Heping serves as a legal person in 188bet app Financial Services (Shanghai Yinlv Financial Information Services Co., Ltd.)，At the same time at 188bet app Network Technology Co., Ltd.、188bet app Holdings Co., Ltd. serves as a senior executive。

As understood，As a member of the OTA platform，188bet app is using the users accumulated on the platform to build its own ecosystem，Providing financial loan services to upstream and downstream companies。Discovered by Sino-Singapore Jingweike，188bet app has arranged financial management、Supply chain finance、Loan Supermarket、Instalment Mall、Crowdfunding and other financial services。

On 188bet app APP，In addition to many financial services including "borrowing money", "crowdfunding", "limit increase + interest-free", "loan supermarket" and credit card processing，In 188bet app’s “Loan Recommendations”，There are also many third-party loan APPs，Such as "Moonlight Man Baitiao", "Shengbai", "Xiaotong Coin Dong", etc.。

*188bet app articleSource：WeChat publicNo. "China-Singapore Jingwei" (ID:jwview），Author: Zhang Yanzheng，Original title: "188bet app’s online loan business: “Take Money Travel” borrowed 1,000 yuan and actually received 801 yuan》.