"Dago, everything about the loan supermarket has been arranged."
Xia Qian walked into Zhang Yida's home excitedly and couldn't wait to share the "good news" he said.
Zhang Yida sat motionless on the sofa at home. He raised his eyelids to express that he understood, and then continued to browse the work news of Feishu's major groups.
Seeing Zhang Yida's cold attitude, Xia Qian sat angrily on the other side of the sofa and also read the messages on his phone.
Zhang Yida put down his phone and sighed, "Did you watch the 315 party a few days ago?"
Seeing that his cousin finally paid attention to him, Xia Qian nodded heavily, "Look, the anti-aircraft gun platform and the company that illegally collected and sold user data have been exposed."
"What else?" Zhang Yida asked again.
Xia Qian thought for a while and asked with some uncertainty: "Will these companies move to Southeast Asia in the future?"
Zhang Yida nodded, "The transfer is certain."
He handed the phone to Xia Qian again and said, "Would you like to read this red-headed document yourself?"
Xia Qian took it and looked at it, and saw four big characters: "Operation Cloud Sword".
After reading the document, Xia Qian was covered in cold sweat and felt a little dazed.
Zhang Yida said calmly, "This operation uses Internet cloud services and cloud platforms as swords to arrest suspects. It is deployed by the Ministry of Public Security personally, and the cloud computing company provides technical support.
The theme of the action is "Fighting Fraud, Catching Fugitives, and Protecting Daqing" to create a good social security environment for the 70th anniversary of the founding of New China.
With the rapid development of finance, communications, and the Internet in our country, new cyber crimes represented by telecommunications network fraud have developed rapidly and spread. Criminals use communication tools and modern online banking technology to carry out fraudulent activities, causing serious economic losses to the victims. People The public reacted strongly to this.
The Ministry of Public Security has stated that it will severely crack down on this new type of cyber crime.
We will resolutely crack down on the online loan platforms and illegal collection gangs involved in the case in accordance with the law.
App platforms that do not have the qualifications to lend money and illegal platforms involving P2P companies will be resolutely shut down and rectified.
Risk control companies and third-party payment companies that provide technical support, credit reporting services, and fund transfer channels to criminal gangs of routine loans must be resolutely eliminated and dealt with seriously.
Anti-aircraft guns, spinach, and pig-killing trays are all on this hit list."
Xia Qian shrank his neck and asked in a low voice: "This has nothing to do with us, does it? Our business is all carried out abroad."
Zhang Yida glanced at him and said: "It's not big, but didn't you want to go in and make money?
It depends on whether your brother Su Ying is lucky or not. If he is not lucky, it will be difficult for him to survive this disaster."
In fact, Zhang Yida also wanted to scare Xia Qian, so that people like Lu Min, the biggest campus loan lord, would not be liquidated afterwards.
On the one hand, as the company grows in size, all kinds of personal connections become more difficult.
On the other hand, he stopped earlier and did not hit the muzzle of the gun.
Platforms that are still operating lending this year are in terrible trouble, and they will definitely be targeted as examples.
As for people like Su Ying and others, it is not too late to go to sea, and there is a high probability that they will not be liquidated.
Compared with the platform of the past two years, the platform in the early years was relatively better.
In the past two years, in addition to high interest rates, platforms have also found ways to cheat money, such as bundling insurance.
What's even more outrageous is that there is a quota that allows users to pay 199 yuan, and they can withdraw cash only after 299 yuan. This is disguised as membership fees and credit fees.
Some users believed it to be true, but after actually paying the fee according to the prompts, the loan was still not available...
It is no exaggeration to say that this is already a scam.
Because the amount is generally not high, only one or two hundred yuan, few people report the crime, and most people consider themselves unlucky.
In the industry, we often hear about the post-1995 generation who made hundreds of millions a year, basically engaging in these activities, wandering on the edge of gray or even black.
Of course, if you play like this, as time goes by, the number of victims will increase, and finally it will cause anger and resentment, which leads to the current Operation Cloud Sword.
When Xia Qian heard that Su Ying might be in trouble, he asked, "Brother Da, do you think something might happen to Su Ying?"
Zhang Yida narrowed his eyes slightly, "What? The love between brothers is deep, you want to save him?"
Xia Qian didn't say anything, that's pretty much what he meant.
Zhang Yida's face darkened, "What about the victims who were framed? Who sympathizes with them?
Of course, some people are not good people at all, and most of them are bad gamblers.
But there are also many people who encounter some difficulties and fall into the trap after seeing advertisements on the Internet where they can borrow money.
Then what?
He also lost his job, he couldn't hold his head high in front of his relatives, and his parents' life savings were used to fill the hole for him.
What’s even worse is that girls cannot repay their loans and are forced to work in nightclubs and bars..."
The topic was a bit heavy, Xia Qian nodded, "Brother Da, I know everything, please stop talking about it."
Zhang Yida added: "Look at his personal nature, after doing these things, don't be afraid of future reckoning.
If he escapes, he is lucky. If he doesn't escape, it will be a cycle of heaven and he will be punished."
…
Zhang Yida called Fan Hongyang and Chen Shaojie for a meeting, mainly talking about matters related to Operation Yunjian.
“Let the compliance department take stock of all loan products and partner institutions and don’t get dragged into this.”
Fan Hongyang shook his head repeatedly, "Mr. Zhang, don't worry, you have been emphasizing compliance issues a few years ago.
Our platform is absolutely law-abiding and there are no violations."
Chen Shaojie also shouted, "It should have been taken care of long ago. If we get rid of the bad apples early, we can also wash away the stigma on our heads."
"Yes, ordinary people get excited when they talk about online loans, and one industry takes the blame for these rats."
Fan Hongyang has deep feelings. He has been in the industry since 2013 and has personally experienced the cycle of the entire industry, from its inception to rapid development, then to prosperity, and finally retired amid infamy.
Faced with this situation, Zhang Yida had no choice.
He can't control other institutions. The only thing he can do is not be greedy and abide by his duties.
"Mr. Zhang, do you think this financial technology innovation path can continue?"
Seeing that Fan Hongyang was a little shaken, Zhang Yida reassured: "These transformation pains and the impact of rectification are inevitable.
But the demand for borrowing is real and cannot be completely eliminated.
Consumer finance is a double-edged sword. If used well, it will stimulate the economy. If used improperly, it will hurt yourself.
On the premise of compliance, the state still supports it.”
Chen Shaojie said: "I heard that the credit cards of major banks have been growing rapidly recently. In addition to the rapid increase in the number of new credit card issuances, the credit limit is also constantly increasing.
Does this count as seizing the blank market left by the collapse of mutual financial companies?"
Zhang Yida smiled and said, "They have a license, and their ability to withstand risks is not comparable to that of these small companies.
However, this way of eating may easily hurt your stomach."
Speaking of licenses, Fan Hongyang looked eager to try and asked Zhang Yida: "That...consumer finance license?"
Zhang Yida naturally knew what he wanted to express, and nodded: "The time is almost mature. Let's let go of the transfer of creditor's rights, resolve the final risks of P2P, and then we can start a second business."