"Weimiao Model" about the "gimmick business" of financial freedom, the financial and business education industry is facing reconstruction

Produced ｜ WEMONEY Research Room

Text ｜ Lin Xiaolin

The epidemic has gradually become an entry -level financial course for many young people in a questioning voice. Financial and business education should help users popularize some financial knowledge and common sense of financial management, which is essentially education. However, the financial and business education institutions represented by Weimiao Business College, such as financial and business education courses, can allow users' wealth as a gimmick and induce users to consume high -priced courses.

"Do you know what is income after" sleeping '? "" I, outside of salary, earned 1 million in 3 years, "the word financial and business education may not be familiar with the public, but these slogans are on Douyin, Weibo, Weibo, Weibo, Weibo, Weibo , WeChat, Zhihu and other major platforms have appeared. This is the advertisement of the financial and business education institutions such as Wei Miao under the banner of "sowing" wealth. These advertisements enlarge the anxiety of users under the epidemic, and hide some risks of wealth management, which led to some users who only found out that they could not achieve the effect of publicity in a short period of time. I just felt like I was.

The black cat complaint platform shows that users' complaints on financial and business education institutions are mainly Weimiao Business School, Qi Niu Business School, etc. The problems of users are concentrated on the problems such as difficult refunds, loans, induced, and false publicity.

01. Weimiao model, a "scam" of a financial freedom

The cost of financial freedom only needs "6998".

For most students such as Weimiao and other institutions, they have just been exposed to financial and business education classes, and they mistakenly believe that 6998 yuan can achieve freedom of wealth. Most students are often students, Baoma, Moonlight, and young people at the school. They have no investment experience. Some students need to swipe their credit cards and even borrow online loans to buy lessons. They believe that although the 6998 yuan course is expensive, it is high.

As a result, even practitioners in the financial and business education industry said that if you can invest in wealth management courses for a few days, people in the industry do not need to go to work. Wei Miao grasped the public's psychology and mastered her "wealth password".

"Zero -basal achieves 500,000 wealth accumulation" "1 yuan can achieve freedom of wealth". These slogans are enough to make many small white users feel at ease. "Financial courses" to attract users to bait, and after receiving the recognition of students, they will further marketing students purchase advanced courses and advanced courses ranging from tens of thousands to tens of thousands of yuan.

In January of this year, CCTV reporters exposed the course of Weimiao Business College as a "scam." CCTV reporters spent 12 yuan to sign up for Xiaobai Financial Management Course of Weimiao Finance Course. People of the class teacher said that the financial courses have a total of 12 days, and the lecturer will conduct an hour of live broadcast at 8 o'clock every night. But their main purpose is to promote the advanced financial management courses of 6998 yuan.

The WEMONEY Research Office experienced Weimiao's 12 yuan small white wealth management class with the user's identity, which is consistent with the content of CCTV reporters. There are some basic financial knowledge of the course content, but most of them can be called "financial chicken soup", useless and brainwashing brainwashing Essence For example, "rich people's thinking", "income after sleep", "× year to realize financial freedom and go to the pinnacle of life". The content of the curriculum is basically the importance of repeated financial management, and then recommend 6998 yuan in financial management advanced courses to Xiaobai Financial Students. Each class of the lecturer is showing the results of advanced lessons in each lesson. For example, some students reached 65%in three months and more than 100,000 returns. Xiaobai Financial Course is full of truth and lack of knowledge, so it is easy to accept the "Xiaobai".

02. Set up layer of obstacles, users encounter "difficult refunds"

Some students purchased an advanced course of nearly 7,000 yuan under the continuous "brainwashing" of the teacher. The trainees who have signed up on Weimiao Finance Course said that the course is obviously not worth 6998 yuan, and the money is spent to buy a online recording lesson. No teacher really gives a lecture. The teacher just pulls everyone into a group. Send a large paragraph of text that I do n’t know where to copy from the group every day, and I ignore the questions of the trainees.

After CCTV's exposure, Wei Miao converged to publish advertisements. At present, some traffic platforms such as Douyin can no longer see its advertising links, but in some articles on some WeChat public accounts, there are still Weimiao advertisements. The same formula, first drain and then diversion.

Although Weimiao's foreign financial and business education advertisements have converged, and a small number of people escape the "one calamity", but the harder problem is the problem of refunds encountered by students who have signed up.

In order to make the students buy more assured, the propaganda staff said that at the beginning of the publicity, it would not be able to refund it. Among the screenshots of many students, Weimiao's teachers will promise the above refund standards. Many users say that if you want to refund the full course, you must get a complete course and get the graduation certificate before the refund. Some students introduced that if they want to get a graduation certificate, the total score of 100 points needs to reach 80 points, of which 60%of the practical courses must complete the weekly "buying fund" operation.

According to media reports, these homework is actually implied to recommend shares. The trainers will list some candidate stocks to the students for their free choices. The black cat complaint platform shows that more than 2,000 complaints for searching Weimiao Business School, most of them are unable to refund users. In May 2021, at the development seminar jointly organized by the China Consumer Newspaper and the Financial and Business Education Professional Committee of the China Adult Education Association, Wang Loulou, the founder of Weimiao Business School, said that the current financial and business education institutions have retired The problem of difficulty will comply with the content of the contract to carry out the refund service. Users believe that the refund mechanism set by Weimiao is unreasonable, and it is more like to induce students to register for the "trap" set up to buy lessons. 03. Weimiao's large number of layoffs, well -known universities still "platforms"?

During the peak, Weimiao Business School has promoted that it has popularized financial management knowledge for more than 50 million people, that is to say, these are paid users of Weimiao. Some people in the industry have revealed that the gross profit of the industry can reach 90%, and Weimiao once sat down on the head challenge. After CCTV's exposure, Weimiao's business map was severely hit, and even relocated the office location to Tianjin. Some insiders have revealed that Tianjin Weimiao has now moved away from the place of registration of Tianjin. The WEMONEY Research Room asked Weimiao customer service to verify, and customer service denied it.

However, Wei Miao did go through the decline this year. According to the news of several Weimiao internal staff, Weimiao is currently undergoing a large number of layoffs. Relevant personnel revealed that Wei Miao's powerful layoffs, the number of layoffs from 4000+ at the peak to 200+ now.

At present, the WEMONEY Research Office has learned that Weimiao has previously done long and light weight (later renamed long health), entrepreneur (making old trainees an agent), which have nearly stopped after CCTV's exposure. Some users told the WEMONEY Research Office that Weimiao Entrepreneur Project needs to pay 7,000 yuan. The project focuses on promoting the small white camp course for Weimiao and obtaining customers to sign up for subsequent courses. After CCTV exposed the "12 yuan small white financial management class" as "scam", the project was unable to promote it, and Weimiao has always refused to refund.

Today, on the official website of Weimiao Business School, it is still in -depth partners with the Central University of Finance and Economics and the China Adult Education Association.

Professional counterfeiter Wang Hai has repeatedly discussed the "Weimiao Model" on Weibo. He wrote on Weibo that the Central University of Finance and Economics has a cooperation with Weimiao. Many students also buy courses that they value the signboards of the Central University of Finance and Economics.

In 2020, the development of financial business education wells, nearly a thousand financial and business education institutions poured into the track, and during the highest peak period, the annual revenue of the entire financial and commercial education industry reached 10 billion yuan.

Financial and business education is a rigid need for adults, and the popularity of wealth management knowledge is necessary. This track itself is not a problem. However, some people in the industry believe that these head enterprises using Weimiao as an example have not regarded financial and business education as an educational channel, and they have not tapped products that match users to promote the development of the company. Instead, it is undoubtedly a misleading to establish a correct concept of financial management for the correct financial management concept of incorrect financial management concepts. As a leading enterprise, this operation model has a serious negative impact on the industry. Not only does users lose money, but the entire industry will also face reconstruction.

Industry insiders told the WEMONEY Research Office that scientific financial courses can to a certain extent to allow users to realize the value of wealth and value -added. The financial and business education courses on the market generally have the role of financial general education, allowing users to learn the basic financial knowledge. However, if you hope to realize personal wealth through financial and business courses, it is tantamount to "the moon in the mirror".

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