The Rebirth of the Internet Celebrity Godfather

As soon as she said this, Xue Ying suddenly felt no longer sleepy and her eyes were shining.

"Boss, I finally know what it feels like to be an internet celebrity. It's so exciting!"

Xue Ying's harmless girl-next-door looks, coupled with her crazy creativity, made her gain 70,000 fans on the

fan.

It received such rave reviews that Xue Ying fell asleep reading the comments every day.

She doesn't allow any unread messages before going to bed!

no way!

Seeing Xue Ying's cheerful look, Cheng Yi couldn't help but smile.

Cheng Yi does not intend to sign a contract with the short video platform with this account, it is just for fun with his little secretary.

"Boss, do you have any good ideas?"

Cheng Yi pulled the collar of his clothes and looked around and said to him: "I'm a little thirsty in this weather. It would be great if I could have a glass of kumquat lemonade."

"Boss, I'll give it to you, ten minutes."

"Buy me another box of cut fruits."

...

Half an hour later, Cheng Yi was eating fruit, drinking lemonade, and enjoying Xue Ying's gentle and moderate massage.

"Boss, is this strength still good?"

"I still need to study harder, but it's pretty good."

Xue Ying bared her teeth behind Cheng Yi with a hateful expression as if she wanted to take a bite.

"Xue Ying."

"Hey, boss~"

Cheng Yi wiped his chin: "I remember you are still my senior? Isn't this not good, senior?"

Xue Ying's face was a little stiff, her mouth was smiling, and she was thinking: "Boss, I'm going to criticize you, your level is too low! You will always be my boss in the workplace, how can I talk about personal relationships? I'm running errands for you.

What's wrong with squeezing your shoulders? It's what I should do! You don't let me do it, but I'm still not happy and unhappy!"

"Oh? You mean, I should call you senior in private?"

"Privately, boss, you are also my brother!"

Cheng Yi nodded with satisfaction: "Okay, okay, no need to pinch, just wait."

"Hehehe~" Xue Ying was happy.

After a long while, Cheng Yi finished writing the copy and handed it to Xue Ying. This time, Cheng Yi directly gave her a series: the radical cure for oral disease series, and published three issues for her at once.

"Hey, hey, thank you, boss." She took the copy and walked out. As soon as she walked out of the door, she poked her head in and said, "By the way, boss, those few words you said about me as a senior were pretty nice."

After saying that, she shrank her head, closed the door and ran away.

Cheng Yi crumpled a ball of paper and threw it on the door: "Come back here!"

Of course Xue Ying will not come back, she is hiding outside and laughing.

…

On this day, Cheng Yi and Xue Ying stayed in the company. Cheng Yi was writing video copy for online loans, and Xue Ying was busy with work and study.

After finishing writing the copy and having dinner with Xue Ying, Cheng Yi returned to the dormitory, set up the camera, and started recording the video.

The next day, through simple editing, Cheng Yi uploaded a video about online loans.

"Don't touch online loans, don't touch online loans, don't touch online loans!!!"

Introduction: Whether you have never been exposed to online loans or you have already fallen into the whirlpool of online loans, please click here! Please!

The cover has white text on a black background, and the five large characters are very exaggerated: Don’t touch online loans!

…

"They want to force me to death, what can I do?

Anyway, my life is meaningless. My life has been ruined, so I just want to die. I don’t want to live in the pain of repayment all day long!”

The video begins with a female voice whose voice has been altered through technology.

Viewers who clicked on the video were all excited.

"Force me to death", "Forget it if I die", and "Repay the loan", these keywords instantly attracted their attention.

Countless doubts arise.

【what's the situation?】

[Holy shit, what about being immortal, it sounds so scary]

【Is it because of online loans? 】

【What big job did Cheng Yi do again? 】

[Please, check which account it is from. This account is for business, okay?]

This technique was commonly used in later generations and was called explosive point pre-positioning, which meant that the climax and contrasting parts of the video were played in advance at the beginning of the video. Only when there is something to watch, the viewer would be interested in browsing it completely.

"Hello everyone, this is the official account of Cheng Yi. Everyone has heard the voice at the beginning. The source of the voice is my senior sister from the same school. She was deeply involved in the online loan vortex and was about to commit suicide. Fortunately, I caught her.

, was saved, so here is this video: Don’t touch online loans.”

【Orange is great】

[Saving a life is like building a seven-level pagoda]

【That's great, that's great】

"I will divide it into three parts: first, what is online lending, second, why not to take online loans, and third, what should you do if you are already deeply involved in online loans."

“Let’s first talk about what online lending is.

This is the introduction on Baidu Encyclopedia.

Online loan, lending, p2p online loan is the abbreviation of online loan.

p2p is peer-to-peer, you can take a look at this picture."

A picture appeared in the video, showing the upstream and downstream links of p2p online lending.

Including: borrower, online loan platform, lender, third-party payment.

[Pause to view picture]

"After seeing this picture, the underlying logic of making money with online loans comes out. It is very important to understand the underlying logic of online loans.

It can be seen that under ideal circumstances, online loan platforms are just neutral platforms that connect lenders and borrowers.

Help lenders find borrowers and borrowers find lenders. All funds go through a third-party payment platform, usually by bank card.

Online loan platforms charge certain management fees, commissions, and interest.

But think about it, who would take out an online loan? Those who have assets and collateral must have gone to the bank to borrow money. Bank loan interest rates are low and the service is good. Isn’t it nice? I’m going to borrow an online loan from you?

Some companies and even banks are begging you to borrow money!

Therefore, the target groups targeted by online loans are those who are not qualified to borrow from banks, such as students, white-collar workers without collateral, and gamblers who are addicted to gambling...

And among these target customers, who are the best ones?

That is college students. First, college students are over 18 years old and have the qualifications to borrow money. Second, college students have a high desire to consume and have this demand. Third, college students have no experience in the world, and most of them are kind-hearted and will not deliberately default on debts.

Therefore, a large number of online loan platforms targeting college students have emerged!"

The icons of several software flashed in the video.

"Some platforms have relatively high loan requirements. They need to check your credit report, ask for your Xuexin.com account and password, read your address book, and take photos of the front and back of your ID card, as well as the phone numbers of your counselor, your parents, and your classmates.

, and also shoot videos.

Some platforms have low loan requirements, just a few phone calls and photos of the front and back of your ID card.

Because the target audience of online loans is people without collateral, bad debts are inevitable. In order to make up for this part of bad debts, online loan platforms must increase interest, plus a series of fees such as intermediary fees, default fees, etc., comprehensively

The interest rate can even reach 30 to 40%, and if the number of installments is high, the interest rate can reach up to 60 to 70%.

In other words, if you borrow 1,000, you have to pay back 1,200 to 1,700.

What's more, an extreme online loan has emerged, called 714, which is a homophone, meaning that once the seven days are up, you will die!

714 is a short-term online loan, generally only divided into 7 days, 14 days, and 30 days. Just like this platform."

A screenshot of an online loan appeared in the video.

“Borrow 1,000, pay back 1,300 after seven days, 1,500 after 14 days, and 1,700 after one month.

Is it high? Too high!

Because the bad debt rate of online loans is too high, another industry has been born, that is, debt collection.

Then, all the information you filled in when you first took out an online loan will be useful.

The collection methods are constantly being upgraded.

At the first level, you owe one day to one week.

Oh, didn't you leave the phone numbers of your friends, counselors, and parents? OK, if you don't want to pay back the money, call first to test it out. The debt collector won't tell you that you borrowed the money at the beginning, and will just threaten you.

If you don't repay the money at this time, the collection officers will start to make it clear that if you borrowed an online loan, you will start to die in society at this time, and you will receive scoldings from your parents, conversations from counselors, and strange looks from your classmates!

However, this is only the first layer.

On the second level, some debt collectors start to use some dirty methods, such as putting your face on the face of an actress, or editing some obscene words and sending them to the mobile phones of your relatives and friends to discredit you.

Or they bombard your family with phone calls day and night, and some sneak into your class group and use all means to persecute the people around you.

This is the second level. What I’m talking about is just the tip of the iceberg, and it’s limited to online.

On the third level, if you borrow a lot of money, they will come to your door to collect the money, including but not limited to: spray painting, pulling up banners, etc.

At the fourth level, they start to use legal means, such as finding a law firm and claiming to sue you.

Not many people can resist these four levels of debt collection.

This is the underlying logic of online loans: they want to make money, so they target students and white-collar workers who have no collateral and low qualifications.

And because students and white-collar workers have low qualifications and a lot of bad debts, they have to raise interest rates, violently and maliciously collect debts.

In other words, the birth of online loans is a trap for young people."

[Online loans really deserve to be damned]

[My hair stood on end when I heard it]

[I already owe more than 10,000 yuan]

[Not yet, it’s my nightmare]

[I have experienced all four levels of debt collection]

【I want to look back】

"Okay, let me talk about the second part now. From a personal perspective, why should I not get involved in online loans?"