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Haval Xiaolong is a fashionable and dynamic SUV model. Its front face design adopts streamlined lines and sharp headlights, showing its sense of movement and strength. The air intake grille is decorated with a large area of chrome, which increases the luxury and fashion sense of the whole vehicle. The overall style of the car body is smooth and dynamic, and the lines are simple and bright, which highlights the sports characteristics of Haval Xiaolong. At the same time, the body also incorporates some tough elements, demonstrating its off-road ability. Generally speaking, Haval Xiaolong’s design is fashionable, dynamic and tough, which meets the aesthetic needs of young consumers.

Haval Xiaolong is a medium-sized SUV with a body size of 4600*1877*1675mm and a wheelbase of 2710 mm. The body lines are smooth, the overall shape is dynamic, and the side lines are simple and smooth, showing a strong sense of movement. The front tread is 1583mm, the rear tread is 1587mm, and the front and rear tyre size are both 225/60 R18. It is equipped with fashionable rims, which further highlights the sense of movement of the whole vehicle. Whether on urban roads or rugged mountain roads, Haval Xiaolong can show excellent driving performance and stability, bringing drivers and passengers a more comfortable and safe driving experience.

Haval Xiaolong’s interior design is simple and atmospheric, with a leather steering wheel, which feels comfortable and supports manual up and down+front and rear adjustment. The central control screen has a size of 12.3 inches and is equipped with a voice recognition control system, which can control multimedia systems, navigation, telephones, air conditioners, skylights and windows. The front and rear rows are equipped with a USB/Type-C interface, which is convenient for charging and connecting devices. The seat is made of imitation leather. The main seat supports front-back adjustment, backrest adjustment and height adjustment (2-way), and the auxiliary seat also supports front-back adjustment and backrest adjustment. The rear seats are laid down in proportion, and the space can be flexibly adjusted as needed. Generally speaking, Haval Xiaolong’s interior design is simple and practical, with rich configuration, which can provide a comfortable driving experience.

The engine of Haval Xiaolong is a 1.5L 101 HP L4 engine with a maximum power of 74kW and a maximum torque of 132 N m.. This engine uses a 2-speed DHT gearbox, which can provide a smooth shifting experience and efficient power output. At the same time, Haval Xiaolong’s engine also has excellent fuel economy performance, which can bring more economical driving experience to car owners. Whether driving in the city or traveling long distances, this engine can meet the needs of drivers.

In the evaluation of the owner of car home, he mentioned that the appearance design of Haval Xiaolong is very eye-catching, and its face value is enough to hold up the scene, and the front face of the young sports is also very fashionable and beautiful. As a compact SUV, the design of Haval Xiaolong is undoubtedly very successful. It combines fashion elements and dynamic lines, making the whole car look very young, sporty and fashionable. In addition, Haval Xiaolong also performed well in terms of cost performance, not only the price is close to the people, but also the configuration is rich and the driving experience is excellent. It can be said that Haval Xiaolong is a very recommended compact SUV, which can meet the needs of young consumers in terms of appearance and cost performance. If you are looking for a stylish and dynamic SUV, consider Haval Xiaolong. I believe it will not let you down.

　　Orders, complaints, claims, profits, 26 yuan bought two tons of navel oranges, and a online celebrity blogger called on fans to "smash" orders of nearly 7 million yuan in a short time, which was suspected of smashing the fruit online shop "Guo Xiaoyun".

　　A few days ago, the online celebrity was exposed to more black history.

　　The Paper (www.thepaper.cn) noticed that a-(UID: 755875), a netizen involved and a blogger in online celebrity, bilibili, had published several videos to openly teach netizens to exploit loopholes, and bonus hunter benefited. At present, the blogger’s account has been banned by bilibili.

　　Blogger passerby A- account is banned. Source: Webpage screenshot

　　Some netizens said that the bonus hunter Party led by passer-by A- had "smashed" other businesses besides the online shop of fruit grower Guo Xiaoyun. For example, it has released videos such as 0 yuan buying 83 Burger King hamburgers, 9.9 yuan buying 30 ziqi Muslim meat muffins, 0.18 yuan buying 46.9 yuan imported fruit cereal from Jason, and 0.1 yuan buying 119 yuan lipsticks from flower fans. The above video contents are all for blogger passerby A- guiding fans to exploit loopholes in the merchant platform for profit.

　　The video of "0 yuan buys 83 Burger King Burgers" shows that blogger Passerby A- exploited the "loophole" of Alipay members’ redemption activities without limiting the number of redemptions, and Passerby A- sent the news to fans for profit, redeeming many times a day.

　　In this regard, some netizens commented that the activities can be properly participated, and don’t "kill" each other at once.

　　In addition to winning the burger king, they also won the McDonald’s. Blogger passer-by A- after seeing a McDonald’s free redemption activity, he changed his number and sent pictures at will during the activity, waiting for the redemption code. Within an hour, it means waiting for dozens of McDonald’s redemption codes.

　　The Paper noticed that the "bonus hunter" video released by Passerby A- didn’t mention specific merchant stores, but needed fans to introduce and guide and issue coupons after joining the group.

　　The Paper previously reported that recently, the Tmall store "Guo Xiaoyun Flagship Store" mistakenly wrote 4,500g navel orange from 26 yuan into 4,500kg due to operational errors, and was ordered by the "Wool Party" for nearly 7 million yuan in a short time, which led to the store’s closure and an apology letter "kneeling down" for mercy.

　　Screenshot of wool video. Source: Screenshot of bilibili blogger Passerby A-

　　Bilibili official Weibo released a message at 15: 46 on November 7th, saying that bilibili user "Passerby A-"(UID: 755875), after seeing the news that "26 yuan bought two tons of navel oranges", led fans to take advantage of the price loopholes of the merchants to make profits, which led to the direct closure of the store. After the incident, the website contacted the user himself to verify the relevant situation. The user himself admitted his wrong behavior, deeply reflected on the matter and apologized, and promised to make up for his mistakes. In addition, the user should be responsible for the social impact caused by his words and deeds, so his account in the station will be banned until he properly handles this incident.

　　Weibo, the official Taobao, also responded that Taobao had "protected" the store to avoid further losses after discovering the abnormal situation. And appealed to the buyers who placed the order to understand the difficulties of the store. "It is really unreasonable for 26 yuan to buy two tons of navel oranges. After all, there is no place to put them aside.".

　　Earlier, Bai Xiangfei, a lawyer of Shanghai Hanshang Law Firm, told The Paper that "bonus hunter" behavior is not illegal in general, but it is immoral. To some extent, it violates the principle of good faith in the theory of Civil Law, but it is difficult to hold accountable. However, if the "Wool Party" maliciously registers a large number of accounts and swipes them to "bonus hunter" by taking advantage of business mistakes or platform loopholes, it may be suspected of infringing citizens’ personal information and fraud. If there is deliberate speculation, it may be suspected of false propaganda; In the process of "bonus hunter", it may be suspected of fraud if there is a single bill, a false transaction and a subsidy for defrauding the platform.

Chupin company laboratory　

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"Hello, Lao Tie!" Before November 17th, probably no one would have thought that Cristiano Ronaldo would settle in Aauto Quicker and become a member of Laotie. When international superstars meet Aauto Quicker Laotie, there is always a little unrealistic feeling.

Founded in 2011, in less than ten years, Aauto Quicker has become a force to be reckoned with in the Internet industry, but labels such as "Buddhism" and "local flavor" have been bothering Aauto Quicker.

In June 2020, on the occasion of the ninth anniversary of the founding of Aauto Quicker, when "Ollie" shouted to his uncle, "Old Tie, there is nothing wrong, we are dust in the world, but we are our own heroes", most people knew what Aauto Quicker was like in its original ecology.

In fact, since June 2019, Aauto Quicker, who has always been a "Buddhist", is tearing off his "slow label" and turning to a wolf. Aauto Quicker has been accelerating its development, launching the Aauto Quicker Extreme Edition, cooperating exclusively in the Spring Festival Evening, inviting stars such as Jay Chou and Cristiano Ronaldo to settle in and trying to break the circle.

On November 5th, Aauto Quicker officially submitted a prospectus to the Hong Kong Stock Exchange, intending to be listed on the Hong Kong Stock Exchange, which is expected to become the "first short video share". It is reported that Aauto Quicker plans to raise 5 billion US dollars with a target valuation of 50 billion US dollars.

Aauto Quicker can’t catch up with the number of users in Tik Tok in five years.

When it comes to Aauto Quicker, the topic always seems to elude its rival Tik Tok. Even on the day when Aauto Quicker submitted the prospectus, ByteDance announced that it was negotiating a new round of financing with a total amount of US$ 2 billion and a valuation of US$ 180 billion to promote the listing of mature businesses such as Tik Tok, Watermelon Video and Today’s Headlines in Hong Kong.

ByteDance doesn’t seem to be short of $2 billion. According to previous foreign media reports, the byte revenue in 2019 was $18 billion, and $2 billion was just a month and a half. Bytes of this news, is nothing more than trying to steal the limelight in Aauto Quicker, short video two giants also want to compete in the IPO.

In the first half of 2020, Aauto Quicker has 302 million DAU (daily active users) and 776 million MAU (monthly active users), making it the second largest short video platform in the world. The first is Tik Tok. By August 2020, the DAU of Tik Tok has exceeded 600 million.

Compared with Tik Tok, the development of Aauto Quicker is obviously much slower. After all, Tik Tok is a product launched five years later than Aauto Quicker. Aauto Quicker’s slowness is related to CEO Su Hua and founder Cheng Yixiao.

Cheng Yixiao, who is known as the "Zhang Xiaolong of Tiantongyuan", is not good at talking. Zhang Fei, an early investor in Aauto Quicker and Wuyuan Capital, commented on him as "a little boring". Suhua, who joined Aauto Quicker later, is also a Buddhist, and they are very restrained in product design based on the principle of "not disturbing users".

Cheng Yixiao is an idealistic product manager. When GIF Aauto Quicker was founded in 2011, Weibo’s forwarding function was very popular, so it was very easy to copy it. But Cheng Yixiao thinks that once forwarded, the head effect will be obvious, and there is no way for everyone to be seen fairly. Therefore, Cheng Yixiao resolutely does not do the forwarding function.

Like Cheng Yixiao, Su Hua is also a person who cares about fairness and equality. He once said, "Aauto Quicker does not exist for stars, nor does it exist for big V." In this way, fairness and inclusiveness became the gene of Aauto Quicker. Under such values, Aauto Quicker adopted a double-column model to increase the chances of users’ anti-election, without a content operation team, without deliberately guiding the topic of explosions, and treated users equally, without supporting a big V in the head, and even limited the flow of head videos.

Guosheng Securities reported that the decentralized distribution mode of Pratt & Whitney in Aauto Quicker determined the slow and steady growth of its users. It took Aauto Quicker six years to break through 100 million DAU, while Tik Tok only took 17 months.

Tik Tok’s philosophy and playing style are completely opposite to that of Aauto Quicker. Zhang Yiming thinks that the information of mobile Internet is exploding, and users have too many choices, so algorithms need to be involved to screen out the needed information for users. Tik Tok’s recommendation mechanism is that all newly released videos will be allocated to the initial traffic pool, and based on the activity generated by the video, the platform will conduct multiple rounds of drainage for the videos with good performance.

In the first half of 2018, Tik Tok made a breakthrough from 30 million to 100 million and then to 150 million through a large number of advertisements and promotions, and realized the process of "falling behind-tying-overtaking" Aauto Quicker. In the face of the menacing Tik Tok, Aauto Quicker’s own user growth suddenly stopped, and DAU lingered around 100 million for half a year, which made Aauto Quicker very passive.

Aauto Quicker in Buddhism became a wolf.

In the world of Internet, growth means everything. Looking at Tik Tok, Su Hua and Cheng Yixiao, who have always been a Buddhist, couldn’t sit still.

In June, 2019, Su Hua and Cheng Yixiao sent an internal letter, in which they expressed their dissatisfaction with the status quo in Aauto Quicker, believed that it must be changed, and called on all staff to enter a state of combat.

The internal letter wrote:

Behind the seemingly good numbers, we see a deep hidden danger: we are no longer the fastest team. In the process of growing up, our muscles begin to become weak and slow down, and our perception of connection with users is weakening.

Yes, we are very dissatisfied with the present situation. Loose organization, Buddhist attitude and "slow company" are becoming our label. This makes us sleepless. Since the end of last year, from the two of us, the management of Aauto Quicker has made a profound introspection and reflection.

As a result, the "K3" campaign in Aauto Quicker officially started, and the "Buddhist" Aauto Quicker turned to "wolf" and set the goal of achieving 300 million DAU before the Spring Festival in 2020, with Tik Tok as the sword.

In order to increase users, Aauto Quicker made a compromise in product design.

In August, 2019, Aauto Quicker launched the Extreme Edition, which adopted new modes such as "inviting friends to get cash rewards", "signing in, watching videos and getting red envelopes", and added a single-column big-screen recommendation mode.

According to media reports, Aauto Quicker has set its strategic direction in early 2020, namely, up and down, south and industrialization. Among them, up and down refers to the content that can be infinitely up and down according to the algorithm recommendation like Tik Tok, which enhances the sense of immersion.

In August, 2020, one year after the release of Aauto Quicker Extreme Edition, DAU exceeded 100 million. In the same month, Aauto Quicker APP upgraded to version 8.0, and the product interface has undergone the biggest change in 9 years. The mode of single-column up and down and double-column click-and-click has been introduced, and the "Tik Tok" of Aauto Quicker has achieved results. However, Tik Tok is also "Aauto Quicker-oriented", and has introduced a double-row click mode to increase the stickiness of private domain, and the two sides have infiltrated each other.

However, for the sake of user growth, Aauto Quicker paid a lot of money. In the first half of 2020, Aauto Quicker’s sales expenses were 13.71 billion, up 354.0% year-on-year. The sales expenses were mainly used for the marketing and promotion of Aauto Quicker Extreme Edition and other applications, and brand promotion. It is mentioned in the prospectus that the sales expenses will continue to increase in the foreseeable future. After all, higher user growth rate means higher valuation.

In the Spring Festival of 2020, Aauto Quicker invested 4 billion yuan to reach an exclusive interactive cooperation with the Spring Festival Gala. According to Questmobile data, the gap between Aauto Quicker and Tik Tok DAU once narrowed to 60 million on the Spring Festival Gala, but after the Spring Festival, the gap widened to 100 million. With the peak of Spring Festival traffic, Aauto Quicker achieved the goal of 300 million DAU, and Tik Tok DAU exceeded 400 million.

Since 2020, in order to change the public impression of "rustic flavor", Aauto Quicker has continuously invited stars to settle in. The biggest player in the first half of the year was undoubtedly Jay Chou. Jay Chou, who didn’t even open Weibo, settled in Aauto Quicker and conducted a magic live broadcast. Recently, Cristiano Ronaldo officially settled in Aauto Quicker. In the video, Cristiano Ronaldo greeted everyone with "Hello, Lao Tie" in Chinese.

(Source: orient securities Research Office)

In the first half of the year, the most admirable thing about Aauto Quicker’s product promotion was probably the promo "Seeing". After bilibili’s "Back Wave" promo "overturned", Aauto Quicker found Uncle Ollie to make "See", which marked "Back Wave" and made Aauto Quicker’s original content out of the circle.

Commercialization is a bit fast.

In 2016, Aauto Quicker began to explore commercialization, and it took five years after its establishment to realize it. It can also be seen that Su Huacheng and Yixiao are quite Buddhist. However, the speed of commercialization in Aauto Quicker is very fast.

From 2017 to 2019, Aauto Quicker’s revenue was 8.34 billion, 20.30 billion and 39.12 billion respectively, with a compound annual growth rate of 116.6%. In the first half of 2020, the revenue was 25.32 billion, a year-on-year increase of 48.2%. At present, Aauto Quicker is still in a period of rapid growth.

It is said that Su Hua and Cheng Yixiao reached a consensus before 2018, and divided the driving force of Aauto Quicker’s income jump into three-stage rockets, namely live broadcast, advertising and e-commerce.

At the beginning of commercialization, Aauto Quicker chose live broadcast as the main method in live broadcast and advertisement. The advantage of live broadcast is that it takes into account the content and interactive experience while realizing it. In contrast, the realization of advertising is easy to disturb users, which is not in line with company values.

In the first two years of commercialization, live broadcast revenue accounted for more than 90%. In the first half of 2020, the live broadcast revenue was 17.35 billion, a year-on-year increase of 17.0%; The average monthly paying users reached 64 million, up 33.1% year-on-year. However, the average income of monthly paying users of live broadcast was 45.2 yuan, down 12.1% year-on-year.

The revenue of live broadcast business has slowed down, and advertising and e-commerce have become new power points. In 2019, after Ma Hongbin took over the commercialization of Aauto Quicker, he made a drastic reform in the commercialization system, and opened up everything to serve advertising. In 2019, Aauto Quicker’s online marketing revenue was 7.42 billion, a year-on-year increase of 345.5%; In the first half of 2020, online marketing revenue was 7.16 billion, a year-on-year increase of 222.5%. Advertising revenue increased from 4.7% in 2017 to 28.3%.

In these two businesses, Tik Tok and Aauto Quicker are the opposite, with Tik Tok accounting for a high proportion of advertising revenue and a low proportion of live broadcast revenue. But this does not prevent both companies from making efforts in e-commerce business. The unique "old iron culture" of e-commerce in Aauto Quicker has created the "top private domain traffic" in the live broadcast industry, so that Aauto Quicker can go faster than Tik Tok in the live broadcast business.

In 2018, Aauto Quicker launched the e-commerce business, after which this business began to grow rapidly.

In 2020, the original GMV target of e-commerce in Aauto Quicker was 100 billion. However, with the entry of Tik Tok and setting the GMV of e-commerce in Tik Tok at 200 billion, Aauto Quicker quickly raised the GMV target to 250 billion. In August, 2020, the DAU of e-commerce in Aauto Quicker exceeded 100 million. In the past 12 months, the cumulative order volume of e-commerce in Aauto Quicker ranked fourth in the industry, second only to Taobao Tmall, JD.COM and Pinduoduo.

In the first half of 2020, the GMV contributed by Aauto Quicker e-commerce platform was 109.6 billion, and in 2018, it was only 97 million, an increase of more than 1,000 times in two years. The average monthly repurchase rate of users in Aauto Quicker is over 60%.

However, under such a high GMV, the income of other businesses including e-commerce is only 810 million. Based on this, the monetization rate (income /GMV) of e-commerce in Aauto Quicker is only 0.7%, which is incredible, because Pinduoduo is 3%, and Ali and JD.COM are even higher.

The positive aspect of the monetization rate of 0.7% is that there is a lot of room for improvement in the future. The negative aspect is that Aauto Quicker e-commerce has only earned shouts for the time being, and has not made much contribution to revenue.

In addition to the low monetization rate, quality problems also plague Aauto Quicker e-commerce. On November 19th, "The bird’s nest sold by Simba was detected as sugar water by Wang Hai" was posted on the hot search. Wang Hai, a professional counterfeiter, claimed that the bird’s nest sold by Simba had zero protein content, which did not meet the standard of "protein content in bird’s nest is about 30%-50%" in the quality regulations of bird’s nest.

In Aauto Quicker, you don’t have to know Viya and Li Jiaqi, but you have to know Simba. Simba, the "first brother of Aauto Quicker", boarded a hot search because of commodity fraud, which will undoubtedly have a negative impact on e-commerce in Aauto Quicker.

The full text is over, thank you for reading.

　　On December 1, the Office of the Leading Group for Special Remediation of Internet Financial Risks of the Central Bank and the Office of the Leading Group for Special Remediation of P2P Online Loan Risks of the China Banking Regulatory Commission jointly issued the Notice on Standardizing and Rectifying the Cash Loan Business. "Cash loan" is a kind of business in the current consumer finance market, and its outstanding characteristics are "no scene to rely on, no designated purpose, no customer group limit and no mortgage". Some insiders believe that the release of the "Notice" means that the supervision "boots" of "cash loans" have landed.

　　However, in the current consumer finance market, there are still many microfinance businesses with "scenes to rely on and designated purposes", such as the beauty staging business "beauty loan" jointly launched by beauty institutions and loan platforms, and its problems and risks cannot be underestimated.

　　□ Our reporter Du Xiao

　　□ Intern Zhang Xichen of this newspaper

　　In recent years, internet finance has developed rapidly, and various forms of loans have emerged one after another, among which "beauty loan" is one.

　　The reporter learned in the interview that some beauty hospitals cooperate with third parties to provide personal credit loans. When consumers consult in beauty institutions, if they are short of money, the consultant will recommend credit loans as a payment method. "Beauty Loan" is mainly aimed at students who love beauty but lack money. However, due to the cooperative relationship between beauty institutions and internet financial platforms, and the random process of loan issuance, there are hidden financial risks.

　　Online lending platform is resident in beauty institutions to do business.

　　Recently, the reporter of Legal Daily walked into a plastic surgery hospital in Haidian District, Beijing as a consultant.

　　After learning that the reporter didn’t make an appointment, the receptionist asked for the name and consulting project. After the reporter indicated that he wanted to consult about eye plastic surgery, the staff led the reporter into a room near the front desk to fill out the form. After waiting for about two minutes, the reporter was taken to the consulting room on the third floor.

　　A doctor received the reporter. The reporter said that he wanted to make a double eyelid and eliminate the wrinkles on his head. The doctor diagnosed the reporter’s situation and explained to the reporter why some people’s eyes don’t look big and the reasons for the formation of head lines. In the meantime, the doctor repeatedly took out his mobile phone to show reporters similar surgical cases.

　　After that, the doctor began to make plans for reporters.

　　"The first step is to cut a double eyelid and correct the upper eyelid muscle weakness at the same time. After a week of recovery, I will almost do the second step, playing botulinum toxin and hyaluronic acid, filling my forehead and diluting fine lines. " The doctor said that in the first step, general doctors need about 15,000 yuan for surgery and 20,000 yuan for expert surgery. Botulinum toxin and hyaluronic acid hit South Korea, which is almost 10,000 yuan.

　　The reporter said that the price was a bit expensive and asked if there was any discount. The doctor said that she can get a 25% discount if she is engaged in activities now. She also has a better preferential activity, which is to give 20,000 yuan for 30,000 yuan. The reporter said that he could not get 30,000 yuan at one time.

　　"If you have no money, you can get a loan. We can do it in installments here." The doctor said, "We have cooperation with Internet finance companies and don’t charge any fees and interest. You see, your 30,000 yuan will be repaid in 12 months, only 2,500 yuan per month. "

　　When the reporter asked what procedures were needed for the loan, the doctor said, "It’s very simple. Just take an ID card, a real-name mobile phone number and a bank card, preferably from a big bank. You take a photo with your ID card at our hospital brand, and a special person will operate it for you. "

　　The doctor also said that after the loan is successful, surgery can be performed.

　　The reporter further asked about the whereabouts of the loan, and the doctor said that the money would go directly to the hospital account.

　　"As long as there is no problem with credit, you can generally apply for it. No more, you can change to another one. " The doctor said.

　　The reporter further learned that this beauty hospital has cooperation with three Internet loan platforms.

　　Seeing the reporter was still hesitant. The doctor took out his mobile phone, opened WeChat and showed the reporter one of the groups: "The people in this group are all in stages, and they will repay every month. These are all paid by the merchants without any interest."

　　The doctor also introduced the staff of an Internet financial platform to the reporter. The reporter saw that the Internet financial platform has special staff in the hospital. If someone wants to borrow money, they will make a loan operation.

　　"This activity will be gone in a few days. I suggest you pay the 500 yuan deposit first." The doctor said.

　　Subsequently, the reporter left the plastic surgery hospital for an excuse.

　　"Beauty loan" intermediary is mixed.

　　Everyone has a love of beauty. The industry predicts that the medical beauty market will exceed $850 billion by 2018. Such a large market scale has made some loan apps flock in.

　　The reporter downloaded an App to experience it.

　　Open the interface of this App and display "Please scan the QR code provided by the therapist". In addition, there is no other interface. Click Back to return to the login interface. This seems to be an App specially designed for beauty loans.

　　Subsequently, the reporter searched for "beauty loan" on the Internet, and the content obtained was even more dazzling.

　　The reporter entered a forum called "Beauty Loan", which contained many posts similar to "Beauty Loan for Big boss", "Beauty Loan, 3-minute Lending", "Beauty Loan, Getting Money, Recruiting Reliable Intermediary" and so on.

　　The reporter added the WeChat of a poster in the post bar in the name of an intermediary.

　　The poster serves an internet financial platform. He posts in different forums and recruits intermediaries.

　　After the reporter added the other party’s WeChat to show his intention, the poster immediately sent his mobile phone number and asked for telephone contact.

　　The reporter dialed the phone number of the poster, indicating that he wanted to be a "beauty loan" intermediary and had some good customers.

　　The other party said, "The mobile phone has been in real-name registration system for more than half a year, and the Alipay sesame score is above 580, and the pure white household is above 550. Don’t worry about anything else, just give me someone here. "

　　The poster also said that he only needs to send the customer information to him. After the transaction is successful, the cashback point is 60. In addition, loans can also be made to "black households" who have serious dishonesty, "ignoring all kinds of black and white".

　　The reporter noticed that similar "beauty loan" recruitment intermediary information can be seen everywhere on the Internet. The reporter joined a QQ group with the theme of "beauty loan" cooperation through search. In the group, the group owner sends the latest loan information every day.

　　The reporter learned in the group that only women can apply for "beauty loans" and must speak Mandarin, aged between 18 and 35. The applicant’s Alipay score is above 580, and he has a real-name registration system mobile phone card that has been used for more than 3 months. Bring your smart phone and ID card and the bank card of any bank of ICBC, Agricultural Bank of China and China Construction Bank to Changsha for processing. They provide round-trip fares and accommodation. The group owner said that they can operate on 13 platforms at the same time, and the pass rate is very high.

　　In addition, all kinds of intermediaries are also "activists" in the "beauty loan" market. The reporter found that the "beauty loan" intermediary can get a commission of 65% of the loan amount. These intermediaries cooperate with beauty agencies to get what they need.

　　Cartography/Li Xiaojun