Complaints about "medical beauty loans" continue.
On the black cat complaint platform, many consumers spit out the experience of being treated by the "medical beauty loan" routine: some people want to do photon rejuvenation for hundreds of dollars, but they are promoted to buy tens of thousands of dollars of beauty projects. When consumers are hesitant because of high prices, salesmen will recommend customers to apply for "medical beauty loans".
Experts said that at present, there are two ways to control the loan interest rate in China. There are no clear restrictions on the loan interest rate laws and regulations of financial institutions, so there is no clear upper limit of interest rate in theory; As for the interest rate of private lending, according to the latest judicial interpretation issued by the Supreme Law, the upper limit of judicial protection is four times the one-year loan market interest rate (LPR) announced by the central bank. At present, the annualized rate cannot exceed 15.4%. However, at present, the interest rate of "medical beauty loan" is indeed high and abnormally high, and some even exceed the annualized interest rate of 30%. In addition, there are various fees of various names.
The chaos of "medical beauty loan" needs to be rectified urgently
However, medical beauty loans have also spawned new consumption traps and other phenomena. In this context, a rectification storm surrounding the chaos of medical and American loans has also started.
At the beginning of June this year, China Mutual Gold Association issued a document advocating the standardization of financial products and services related to medical beauty, requiring financial institutions not to cooperate with any illegal medical beauty institutions and not to provide relevant financial products and services to customers of any illegal medical beauty institutions. It also emphasizes that financial institutions should choose third-party medical beauty institutions with complete licenses and legal and compliant operations for cooperation, and establish relevant mechanisms to regularly evaluate their legal compliance. If there is any illegal act, the cooperation should be stopped immediately; In August, the Shanghai Stock Exchange and the Shenzhen Stock Exchange have asked newly listed ABS products to prohibit the addition of assets related to "medical beauty consumer finance" to the fund pool, and the issued ABS products are not affected. According to industry reports, some consumer companies have stopped cooperating with medical beauty institutions.
Subsequently, China Plastic Surgery Association announced that it would publicize the white list of financial service institutions in the field of medical beauty through the "China Medical Beauty" supervision and self-discipline information platform, and advocate medical beauty institutions to use compliant consumer financial services.
Producer: Xie
Planning: Xie and Gao Chunming
Poster design: Zheng Baiqi
Related Q&A: Related Q&A: What should I do to sell medical beauty by stages? The medical beauty market is expanding, especially in some first-and second-tier cities. The consumers of this market are 18-35 young women. The consumption characteristics of this consumer group naturally derive from the medical beauty loan service.
First of all, you have to decide which market to be, hospitals, sub-channel hospitals and direct passenger hospitals. Generally, it is found in TV, internet, bus stop signs and other places, that is, Zhike Hospital. Their customer groups come from advertisements, recommendations, members and so on. The penetration rate of Zhike Hospital by stages is 5%-20%, and the dependence on stages is low (which leads to the hospital's attitude towards staging staff is not very good), but the customer qualification of Zhike Hospital is relatively good, the pass rate is high, and the overdue risk is controllable. The customers of Channel Hospital mainly come from beauty salons and night shows, with a phased penetration rate of 50%-80%. Such high permeability has also led to more than four stages of cooperation. Channels are characterized by a large number of customers and high unit price. At the same time, the risk of overdue will be great, and even hospitals will face the risk of fraudulent loans. Of course, this is not a problem for salespeople to consider.
Direct customer hospital cooperation staging is usually a staging company with good reputation, low interest rate and high pass rate, such as a company with money to spend, buy, loan and medical staging. The per capita income of salesmen in such companies is 4000-8000 (new first-tier cities), and the commission point is about 0. 1%-0. 15%, which is a bitter tear.
Channel hospital cooperation staging usually has a high pass rate! High pass rate! High pass rate! Other factors can be ignored in the face of passing rate. For example, Mavericks, Gitzo, Lu Tong and Liren Loan, the long-term interest of these companies (18/24/36) is above 1.3% (exceeding the national prescribed line), and the income gap of these installment salesmen is very large, mainly relying on commission, which is about1%-/kloc-.
Basically, every hospital will cooperate with two or more installment companies, so for the installment sales of medical beauty, the customer is the consultant of the hospital first, and only by doing a good job as a consultant can there be subsequent transactions; Secondly, high-level hospitals, usually the attitude of high-level hospitals to staging is the key factor affecting your performance; Finally, there are customers who handle installment payment. Usually you take care of the consultants, and they will help you take care of the clients. After all, you two are comrades-in-arms in performance.
At present, the country is cracking down on evil, and some of them have affected the medical loans to the United States. At present, Shenzhen prohibits medical loans to the United States, and other regions are also nervous and tighten their policies. But this is a good start for the compliance of the whole industry.
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