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网贷的危害有多大?

2020-11-11 由 发布 阅读(159)

suizhe《wangluoxiaoedaikuanyewuguanlizanxingbanfa(zhengqiuyijiangao)》dechutai,xuangaolewangdaiyewujiangzhubutuichulishiwutai。erneixiemanmuchuangyidewangdaipingtaiyeshiqingdeqing,maidemai,jiulianmayijituandeshangshiluyeweicianxialezantingjian。ziconghulianwangqiyekaizhandaikuanyewuhou,youxiudeyonghutiyanrangdaikuanchushoukeji,erzheiyidainianqingrenquebeixiaofeiyuwangfanshi。

我负责造梦,你负责剁手

钱不够咋办,找我来借呀

xiangbuxiangduchanglijiejinigaolidaifanbende。dianshangweilemaihuo,chuangzaoleyigeyouyigegouwujie,henbudemeizhougaoyigeshuang11,dafudejiangjiagouyinzhedazhongdexiaofeiyuwang。henduonianqingrenbeishangleyibibibuhaibuxing、haiyouhaibushangdewangdai,wushibuzaiweihuabei、baitiaodagong,meiyueyifagongzi,jiukaishihaidai。tamendeshijiemeiyouleshijieguan,zhishengxiazhangzhangdefenqizhangdan。

2019nian2yue,xianyige21suishaonv,cong17loutiaoxia,jieshulezijinianqingdeshengming。shengqiansanniantayijinghaile8wan,sihouhaiqian17wan。wuqiongjindeligunliyapolenvhaineixindezuihouyidaofangxian,rangtaxuanzeqingsheng。

2018nian1yue,hebeidasanxueshenglixingyuan,zaixuexiaofujindeyijiabinguanneishaotanzisha。qishitazuichuzhishijielewuliuqian,danshihaibuqi,houlaijiexinhaijiu,yuegunyueduo。zhidaotaqushihou,jiarenrengbuduanjiedaocuizhaidianhua。

womenzaigantanzheixienianqingxianhuoshengmingyunluodetongshi,yehenhaoqi,weishenmezheimeduorenhuimangmuxuanzewangdaizheitiaobuguilu?yifangmianguijiuyuxianzainianqingrendexiaofeixiguan,lingyigegengzhongyaodeyuanyin,shixianzaigegeshejiaodianshangpingtai,ruanyingjianshi、laolaozhuazhuyonghuxinli,gezhongwangdaichanpindeguanggaorerenxindong,rangrennandiyouhuo。wangdaideqianlaidetaikuaitaifangbian,dangwuzhidexiyinchushoukejishi,nanmianjiuhuidonglenianxiang,erzheiyuwangkanbipanduolamohe,yidanzhanranshang,yejiuwufarenshoumanmanzanqiandejianao,shenzhiwanglewangdaishiyaohaide。dutu、gumin、caiminyewufeiruci。

cengshigongsibailingde90hounanzixiaofei,huaguangsuoyoujixuhou,ningkenjiewangdai,beishangjuezhaiwu,yeyaodashangnvshenzhubo。zuihouwangdaiyedaibuchuqianlaile,wufajixudashang,nvzhubojiubatalaheile。xianzaixiaofeizhinengduozaiyijianpobaidechuzuwuzhong,ziyanyijingduonianmeiganhuijiale。

wangshanghaichuxianguozhuanmenzhenduinvdaxueshengde“luochi”jiedai。yiweilaizinongcunde95hounvdaxuesheng,yinweigenshiyoupanbi,xianwangdai1wanmaipingguoxshouji,houwangdai2wanmaiyifuxiezibaobao,xiaofeishuipingshanglaile,chaidongqiangbuxiqiangderiziyekaishile。ligunlihaibuqi,zuihoutayiyaoyazhijie“luodai”10wan。zhihouhaibuchu,cuishouzhaodaotadejiarenpengyou,jiangtazhiqian“luodai”paidezhaopianheqiantiaofaguoqu,fumuqituxue。

zailaoshirenbeiwangdaipiandesiquhuolaideshihou,yixiezishenlaolaiyekaozhetaofeizhaihaopingtaiyangmao,meiqimingyue“fancuishoulianmeng”。zheixiezuzhiliderendaduolaiziyuyinxingcuishoutuandui,tiaofanlaizhuanlaolaideqian,tamenyongyouyizhengtaoduifujinrongjigoucuikuandebanfa,mianduixinyongkahewangdaiyuqi,shixianjieqianbuhaidemubiao,bingshouqulaolaiyongjin,lai1wanshou2~4qian,suowei“yilailiangchi”。gaolidaihelaolai,hennanshuosheiduisheicuo。

网络贷款一直处于灰色地带,对于公民来说,法无明文禁止可行为;对于国家来说,法无明文规定不可为。自古就有高利贷,如今只是改头换面披上了互联网的外衣,其实质依旧是颠覆传统金融合理规则的牟利行为。金融行业强调稳定和适度,但是不少互联网巨头进场以后,就变成了以扩张为主。招商银行2020半年报显示,信用卡流通户数6526万户。而蚂蚁招股书显示,在支付宝中使用花呗、借呗的用户达到了5亿。照此比例,光蚂蚁一家就吊打了所有银行的总和。目前现存的正规网贷,花呗借呗、微粒贷、白条借条,都背靠大佬资本和超级平台,没有哪个网民是可以脱离这些平台独自美丽的。实际上,很多人对花呗都颇有好感,毕竟提供了便利,但最近层出不穷的各类广告,却慢慢变味了。比如:

“用我分期付款没压力,梦幻海岛想去就去!

用我请客做东有面子,轻轻松松下月还!

一家三口的日子再精打细算,女儿的生日也要过得像模像样。

changjinghuaguanggaohenrongyirangrendairu,tazaigaosuni:nibixutouzhicainengshouhuozunzhonghexingfu。raner,queyouhenduoqianzhaidexuesheng,zaizhihuqiuzhuzenmeban?suoyi,xingfuzainali?tiqianxiaofeimailaidetimian,kenengyibuxiaoxinchengweiemeng。

yunniangliangnianduode《wangluoxiaoedaikuanyewuguanlizanxingbanfa(zhengqiuyijiangao)》zhongyufabu,mingqueyaoqiu,yanjinkuashengjingying、lianhedaikuanchuzibudiyu30%、edubuchaoguojiekuanrennianjunshouru1/3。zuihouyixiangzhijieduizhunxiangzaixiaodaxueshengfafangdaikuandejigou。yinbaojianhuidewenzhangtidao,jinrongkejigongside " huabei "、" baitiao "、" renxingfu " dengchanpin,yuyinxingfaxingdexinyongkameiyoubenzhichabie, " jiebei "、" jintiao "、" weilidai " dengchanpin,yuyinxingtigongdexiaoedaikuanyewubenzhichabie。jinrongkejigongsiduixiaofeizhequanyibaohuquefamingqueguizeheyaoqiu,chuxianlejianguantaolixingwei,yuchipaijinrongjigouxingchengbudangjingzheng,zuizhongnanyiyouxiaobaozhangjinrongxiaofeizhequanyi。yupuhuijinronglinianbufu,shijishangshipuerbuhui。11yue10rishangwu,guojiashichangjianguanzongjufabu《guanyupingtaijingjilingyudefanlongduanzhinan(zhengqiuyijiangao)》zhengqiuyijian,shoucimingquenijiang“erxuanyi”dingyiweilanyongshichangzhipeidiwei、gouchengxiandingjiaoyixingwei,jiang“dashujushashu”dingyiweilanyongshichangzhipeidiwei、shishichabiedaiyu。zheiyizhinanchedisixialehulianwangjutoumende“zhexiubu”。xinwenyichu,alihetengxundadiechao5%,meituandadiechao13%,jingdongdiejin10%。

jianguancengyijichuzuiqiangjianguan,jiangyouxiaoyindaozhongguonianqingyidailixingxiaofei。meiyoumingpaibaobuhuisi,shaowandianyouxiyebuhuisi,danshijielewangdaikenengzhendehuisi。yaoxiangduokaiwangdaide"shimianmaifu",zuihaodebanfashibuguoduxiaofei、bumangmupanbi、butanxiaobianyi,shulizhengquedesanguan,motouzhizijiderensheng。yizhouyifandangsilaizhibuyi,yisiyilvhengnianwuliweijian。

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