助贷新规后有助贷平台转向分期商城 “高价卖货+回收变现”藏套路

Core Viewpoint - The implementation of new regulations on internet lending has significantly impacted the business of lending companies, leading to reduced loan volumes and increased layoffs, particularly among smaller platforms [1][2]. Group 1: Impact of New Regulations - The new regulations require that the comprehensive financing costs for borrowers comply with judicial guidelines, resulting in a noticeable reduction in loan issuance, with some companies reporting a decrease of up to 50% [1]. - Smaller lending platforms, especially those with outstanding receivables below 10 billion, are facing severe challenges and are more likely to undergo layoffs, with some companies reducing their workforce by 20% to 30% [1]. Group 2: Shift to Installment Shopping - Many small lending companies are pivoting to installment shopping models, targeting customers who cannot obtain credit from major platforms or are on blacklists [1][2]. - The primary profit model for these installment shopping platforms involves selling goods at prices that are 30% higher than market rates, combined with service fees of up to 24% annual interest [2]. Group 3: Pricing Discrepancies - A specific example is the "Peach More" platform, which offers products at significantly inflated prices compared to other e-commerce platforms, such as an iPad priced at 8,156 yuan while it retails for 4,199 yuan on JD.com [4]. - The installment payment options provided by these platforms result in effective annual interest rates exceeding 100% when calculated against the actual market prices [4]. Group 4: Consumer Complaints - There are thousands of complaints against platforms like "Peach More" and "Little Elephant Premium," primarily concerning high prices and aggressive collection practices [10][11]. - Users have reported issues with high-interest loans disguised as installment purchases, with some claiming that products were shipped without the option for returns [11]. Group 5: Market Dynamics - The emergence of platforms like "Peach More" and "Little Elephant Premium" reflects a broader trend in the lending industry, where companies are adapting to regulatory pressures by exploring new business models [12]. - The success of these platforms is partly driven by the recent IPO of Quantum Data Science, which has inspired smaller lending companies to pursue similar transformations [12].