This time, no one forgives Jia Nailiang!

Jia Nailiang has happened again!

Two days ago, Jia Nailiang and Fu Shier apologized for Weibo, annoying many netizens.

"Not timely, dishonesty, and selling cheaply."

Because in the eyes of these netizens, look at a person, don't look at what he said, but depends on what he has done.

First of all, "Fu Shier apologized" to the hot search.

Picture source: Weibo

She posted:

"The notice I received was to try and explain the prefabricated dishes. I took the wrong job, negligent and stupid. I regret it, really, deserve to be scolded. Everyone criticizes me truthfully. ","

Some netizens found that fans reminded her a few days ago, but she was hacked by her.

She also said:

"Accepting criticism, rejecting online storms. This explanation gives people who appreciate and support me."

It is also understood by many people that this apology is only for fans, not to those real victims.

Picture source: Weibo@图 微

Fu Shiger apologized and hung on the hot search for a long time.

Everyone discovered that the spokesperson Jia Nailiang hadn't spoken yet.

Jia Nailiang sounded until 5:30 pm that afternoon:

"Regarding the brand cooperation of Qudian, we have not rejected the experience of the brand's predecessor, which is our negligence."

"The team has been communicating with the brand. It is necessary to make products downstart. Do not start the franchise project. Do not have any business models except for normal operating stores to expand."

Many netizens do not believe this apology, thinking that this apology is too late, and the content of the apology seems to be just saying:

"I have done all the jobs, I can't control so much, pay attention next time!"

Picture source: Weibo@Jia Nailiang

As some netizens said:

"The live broadcast room said that my brother and brother have been intersecting for many years.

Picture source: Weibo

What did Fu Shouer and Jia Nailiang do?

Why do you apologize and cause so many discussions?

Quote the words of a netizen are:

If it weren't for them to finally apologize, the terrible facts behind them might not be exposed.

Promote from high -profile

To everyone shout

Ask Fu Shouer and Jia Nailiang to help the boss on the platform, Luo Min.

Luo Min has a listed company called Qubian.

Recently, the listed company's fun shop chased the wind again and was ready to sell prefabricated dishes.

Luo Min made live broadcasts on Douyin himself and promoted the "1 point of money to eat sauerkraut fish".

The sauerkraut fish sold 100,000 copies, and Luo Min seemed to be making money for money.

During the live broadcast, Jia Nailiang also said that "worrying that Luo Min would lose all her family."

Picture source: Weibo@视 图 图 图

But not all netizens buy it, such as:

The sauerkraut fish with 1 penny was scolded as a "sauerkraut fish with blood".

Dong Yuhui, who lived on the top of the top, was black.

Dong Yuhui said:

"The number selected by the East is the company number, which has nothing to do with my person. Generally, the director of the director is managed.

"The director's brother just graduated from college, and some personal grievances. After I heard it, I felt quite reasonable."

Picture source: network

After understanding the truth behind the back, many people said that Dong Yuhui was very polite.

Back to 2014, the campus loan was born "interesting".

The propaganda bar, cafeteria, classroom table, and toilet door of the university campus are almost interesting in staging advertisements everywhere.

Picture source: network

Two or three years, it has attracted more than 10 million college students.

At that time, the total number of college students in my country was only 26 million.

"You can buy an Apple phone without money."

"0 down payment, you can have an Apple phone at 288 yuan per month."

Behind the seemingly gentle and considerate advertisement, there is actually a terrible truth hidden.

In its mall, all luxury electronic products are provided- ——

In fact, it is to seduce students' comparison, buying luxury goods that they do not need to be available at all;

"0 down payment, just provide ID cards, student IDs, and address books, and cash can be provided" - "

Once you can't get the money, you will explode your address book and let you sweep the floor in front of relatives and friends.

Low interest refers to the low interest daily.

In fact, interest is a terrible profit, and there are service fees, "cutting interest" (referring to usury or underground money house, and deduct a part of the money from the principal when lending the loan) Money means, the annual interest rate is as high as 36%to 42%.

This is why, some college students only borrowed thousands of dollars to buy mobile phones at the time, but in the end they had to pay tens of thousands or even 100,000 yuan. Bleak

‍‍‍‍‍‍‍‍‍‍‍‍‍ 网络 网络: Network

I have worked hard for several years, and I have no interest in the money.

I don't have money, and I dare not tell my family.

This was a situation facing many college students who were trapped in "campus loans" at that time.

Picture source: network

After 3 years of lending, fun renamed fun shops and listed in the United States, with a market value of more than $ 10 billion.

The more cruel fact is that its goal of doing campus loans is not only to make money.

Campus loan

Devil's transaction

After the interesting stage, multiple other loan software began to appear.

These campus loan platforms have only one goal:

Borrow money to students without money.

Picture source: CCTV1 "Focus Interview"

The college students who borrowed money on these platforms later were "one person borrowed, the whole family repay", but some would rather choose to end life and not dare to tell their parents.

Picture source: CCTV13 News Channel

In 2019, Mr. Feng's 21 -year -old daughter jumped from the 17th floor.

Mr. Feng knew that his daughter was involved in campus loans in 2015.

Seven or eight thousand yuan per month, but the salary is only 4,000 yuan.

At the beginning, Mr. Feng's daughter only owed a few thousand yuan.

However, the east wall was dismantled to make up for the west wall, and finally owed several platforms for a total of 170,000 yuan.

After her daughter left, Mr. Feng saw only 7 yuan left in Alipay in her daughter, and only 1 yuan in the bank card.

Mr. Feng couldn't imagine his daughter's embarrassment and pressure at the time, but he could not save his daughter.

Picture source: Weibo video number@图 图 图

The "naked loan" derived from the campus loan is also very dangerous.

In February 2017, Mr. Xiong's husband and wife received a text message from her daughter's debt, saying that her daughter borrowed 21,800 yuan online.

Mr. Xiong quickly took the money to Xiamen to find his daughter and helped his daughter to return the money.

After that, Mr. Xiong received a nude photo of his daughter, and he knew that his daughter was involved in the "naked loan trap".

But no matter what Mr. Xiong said, her daughter is unwilling to say how much money she owes and insist on returning it.

After receiving the photo a week, Mr. Xiong's daughter was born lightly in a hotel next to a university in Quanzhou.

He didn't understand why the well -behaved daughter embarked on this road.

Photo source: TV series "Sweeping the Storm"

These campus loan platforms use young people's unknown events, and routines induce them to be trapped in it and make huge profits for themselves.

Xiaolu, a college student in Nanning, Guangxi, borrowed more than 16 million students in the name of doing business.

Later, he lost more than 900,000, becoming the last straw that overwhelmed the camel.

A total of 49 students borrowed money before and after. Because the classmates had no money, Xiaolu took the classmate to borrow campus loans.

There was a classmate who lent him 320,000.

Picture source: network

After Xiao Lu bid farewell to the world, the campus loan still did not let his classmates go.

At that time, campus loans belonged to the category of civil disputes. Only through lawsuits and other methods can we eliminate interest higher than the state.

Young students are relatively weak, and they can only be led by these campus loan platforms.

At that time, the reporter of "Focus Interview" visited the background of the online loan credit blacklist and found that only 4 borrowing platforms had more than 950,000 personnel.

Picture source: CCTV1 "Focus Interview"

950,000 people.

This means how many students and families were pulled into the deep pit that could not be climbed out.

In 2016, the Ministry of Education and the CBRC jointly issued a notice to establish a monitoring and early warning of non -performing online loans on campus.

In 2017, the Ministry of Education issued clearly stipulating that "the campus loan business is banned, and any online loan institution is not allowed to borrow from college students."

Picture source: network

At this point, the illegal campus loan should also be drawn.

Some college students have paid their mistakes with their future and even their lives.

It has made a lot of interesting storage, and through renames, it is rejuvenated.

Internet memory

Will not disappear

In 2017, a reporter asked Luo Min:

"Is there any deliberate instability, and when you can't afford the money, go to your loved ones, friends, go to other platforms to borrow, and pay back the money."

Luo Min said vowed to say:

"No. Anyone who expires is not repaid, we are bad debts here. Our bad debts will not urge them to pay back.

"You won't even call them even. You don't pay back the money, even if you give you a benefit."

"Our bad debt rate is less than 0.5%, which is very low. We only borrow money to those who have the ability and willing to pay back."

"Don't recover, don't force debt. For us, this is not a moral issue, but a ability."

Picture source: network

But in fact, the news of interest -stimulating debts was exposed one after another.

Picture source: black cat complaint

In 2017, Qudian Group went public to the United States.

It was the pinnacle of Qubian and the moment of Luo Min's glory.

It didn't take long, under the dual pressure of policies and public opinion, the fun stages withdrew from the campus, and the fun staging applets were also completely removed.

The stock price of Qudian declined all the way.

Until now, it is on the verge of delisting.

Therefore, there is a live broadcast promotion of prefabricated dishes and a new project that joins 0 down payment.

Picture source: network

On the evening of July 17th, in Jia Nailiang's live broadcast, the total number of fans of Qudian exceeded 5 million, sales exceeded 250 million, and the number of viewers in a single game was more than 90 million, breaking the record of Douyin live broadcast.

Correspondingly, this also drives the stock price of Qudian to soar, the increase of 40.3%on the day!

Picture source: network

It has been eight years since the establishment of fun stages in 2014.

Those college students who had been pitted that year had entered the society and entered the workplace.

Some girls have become Baoma.

The "0 down payment to join" for the prefabricated dishes is just a propaganda for Bao Mom.

There are also a group of Baoma fans of Fu Shul and Jia Nailiang.

Luo Min shouted to the mothers in the live broadcast room:

"Opening a store near the community, you can earn thousands of dollars every month."

Picture source: Weibo@图 网 图 图

Is it really so easy?

Behind the 0 down payment is a installment loan.

Money was borrowed from finding fun shops, and the goods also needed to find fun shops.

The entire lifestyle and pricing power of the franchise store are in the hands of fun shops.

Even if you can't sell the goods, the money in owed the store still pays a lot.

However, the target of the fun installment at that time was college students. And many Bao moms often make trust in the endorsement and recommended products they like.

Picture source: 21 Finance

Fortunately, when the sickle raised this time, it was discovered.

Jia Nailiang and Fu Shouer, apologize and cancel the contract;

0 The routines behind the down payment franchise store are all exposed.

This is not difficult to understand, why many netizens say that every money that Luo Min spreads out is behind the young people who are hurt by campus loans.

1 point of money "bloody sauerkraut fish", they do not eat.

The lively live room, they don't want to pay attention.

0. The pits of the down payment, they will not step on.

The evils of campus loans must not be forgotten or forgive.

Pay attention to [readers] together to let more people see the risks behind them. When encountering similar things in "campus loans", please stay vigilant.

Author: Yin Ako, is a woman. This article was first published in the ten o'clock reading club (ID: SDCLASS). The new female growth cultural platform, accompanied by 3 million friends, grow up upward, please contact authorization for reprinting.

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