With the popularization of the concept of "big data" and its large-scale application on the Internet platform, even the general public has a deep or shallow understanding of it. For the future of the whole society, the role and significance of big data is irreplaceable, which can change the lifestyle of human beings to the greatest extent. However, after big data experienced its own "honeymoon period", its "sequela" began to appear. Even in some extreme cases, it becomes an "accomplice" to harassment or even evil.
Especially in the Internet lending platform, which has a particularly close relationship with personal privacy, big data has been collected and processed, which can more accurately judge whether users are suitable for loans, loan quotas, repayment ability and so on. But what is even more frustrating is that big data has also become a new way to recover loans, which has had a certain impact on people's lives.
Big data makes debt collectors feel naked.
Recently, ant flowers have become popular again. But this fire has nothing to do with convenience. Instead, it shows the other side of the ant garden to the public. Some netizens asked questions on Zhihu, describing receiving a phone call from a staff member who claimed to be ant Huaya, asking him about the whereabouts of a friend who was in arrears with Huaya's payment and could not be contacted. When the netizen said that he was not familiar with him, the other party said that he could read the record, and the netizen gave him a gift one day.
It can be seen from this incident that people have almost no privacy under the powerful big data of ant flower buds, and they are completely "transparent people". Anyone who knows a little about the domestic Internet industry knows that the big data of Ant Garden is the big data ecological chain from Alibaba. In other words, as long as you have used Alibaba's services, such as Taobao, Alipay and Tmall. Personal data will be collected and sorted by Alibaba.
Lending platforms use big data to collect debts not only from ants, but also from JD.COM. On the legal consultation website 1 10, someone asked, "I used the IOU in JD.COM Mall, and my IOU was overdue due to reasons from JD.COM. Then JD.COM entrusted a third party to collect money for me, and in the process, my personal privacy information was leaked. Excuse me, is it legal for JD.COM to entrust my personal privacy to a third party on the grounds that I have not returned the debt? " It can be seen that unscrupulous use of users' personal privacy has become a common fact.
Formal ≠ legal lending platform is suspected of breaking the law.
After the incident, Ant Financial responded that it is a common practice in the credit industry to use related party information to remind repayment. For the new Internet lending platform, it seems understandable to grasp users' private information through big data and make full use of it-everyone is doing it anyway. However, this seemingly reasonable practice is actually suspected of infringing on the legitimate rights and interests of users.
Banks will also ask for payment from users such as loan extension and credit card non-return, but they will generally ask the contact person submitted by the user to convey information when doing business. In other words, banks only contact social groups that users themselves recognize and leave. However, when peer-to-peer lending Platform collects debts, it uses the information of people who may be irrelevant. They are not left by users, but are unilaterally mastered by the Internet lending platform.
Using such a network to collect debts is not only an invasion of users' personal privacy, but also a harassment of other irrelevant personnel. The above-mentioned users' questions on the 100 legal consultation website were answered by two lawyers who said "it is illegal, this is infringement" and "JD". COM may be directly sued for violating privacy rights. " It can be seen that the practice of lending platforms is strictly illegal.
Don't let big data become an ugly accomplice. Supervision is imminent.
Ant Huahua responded on the official Weibo of debt collection function, saying that "the way of contacting related parties to remind borrowers of repayment is suspended immediately". Ant Financial has made improvements in this respect, such as adjusting the time limit of manual telephone reminder from the current repayment date 13 days to more than 60 days, and will not involve specific commodity information. But just doing this is not enough, and it does not fundamentally solve the problem of big data abuse.
Since everyone can't get rid of the Internet, it's inevitable to collect that person's data. But the big data thus obtained cannot be evil and must be extended in a beneficial direction. To do this, it is far from enough to rely solely on the self-consciousness and self-discipline of the lending platform. There must be strict laws and regulations to standardize and legalize them.
According to a survey conducted by the Social Investigation Center of China Youth Daily, 75.9% of the respondents found that "big data" was abused. This shows that more and more people have realized the harm caused by the abuse of big data. The supervision of big data is imminent.
The above is what Bian Xiao shared about the abuse of big data by lending platforms. For more information, you can pay attention to Global Ivy and share more dry goods.