Horizontal surface ｜ Star -stroke of the fun shop on the other side: the "original crime" and violent collection of "magic shadows" on campus loans

New Yellow River Reporter: Li Yunheng

The experience of Fun Store has been frequently "drawing the boundaries" and pulled its "black history" to the public's vision again.

At noon on July 26, Fu Shier posted a Weibo saying that the cooperation with the prefabricated dishes with Qundian was a single time. There was no in -depth cooperation and no follow -up cooperation. Regret, really, deserve to be scolded. "On the same day, Jia Nailiang also released Weibo, saying that the cooperation with Qundian had canceled the contract for the first time, and there was no subsequent cooperation.

Fun Store is so black, from its predecessor -the "fun storage" aiming at the campus loan, and its founder Luo Min was even considered "the originator of campus loan". Although it was eventually stopped, the impact was far -reaching. New Yellow River reporters have noticed that on the Chinese referee document network, we can also see several cases that use interesting staged fraud. Another product owned by Qudian "comes in installments", more than 29,000 complaints on black cat complaints, of which there are many complaints such as violent collection and leak information.

(On the Chinese referee documents, you can see a number of cases that use fun installment fraud.)

How many secrets are there in the fun shop from "prefabricated dishes" this time?

01 Dong Yuhui's live broadcast room brushed "Carnival" but was black, accused of "sucking powder and pink"

In early June, Luo Min, the founder of Qundian, vibratically under the name "Boss Luo". Someone left a message, "Are you going out of the mountain again?"

Soon, Luo Min began to recommend its prefabricated product. On July 17th, in the live broadcast of "Boss Luo", a "one penny, please eat sauerkraut fish". During this time, in addition to Luo Min, Fu Shouer and Jia Nailiang also appeared in the live broadcast that day.

Fun Store entered the field of prefabricated dishes. According to public information, in January of this year, the "Fun Store Prefabricated" applet has begun to be launched. In March, the food business of Fun Store began trial operation.

(Luo Min in the Douyin live room.)

On the afternoon of July 18th, at the "Fun Store Pre -Restaurant Brand Strategic Conference", Luo Min also said at a high profile that in the next three years, "to support 100,000 users to start offline stores."

However, the high -profile warm -up on this new field caused doubts. On the evening of July 18, Luo Min brushed multiple "Carnival" gifts in the live broadcast room of "East Selection" and served as the "Big Brother". Later, Luo Min responded that Dong Yuhui had been black. Afterwards, Li Guoqing sent a video bluntly. Luo Min went to the live room to brush the gift to suck powder.

Although it was found, in addition to whether the "prefabricated dish" was a new wind, the sound of the campus loan of Qudian also followed. These voices also directly caused Jia Nailiang and Fu Shier to stop cooperating with Qudian.

"In 2005, North Drifting started a business, and it was twelve years of entrepreneurship." This is the profile of Luo Min's Douyin of "Boss Luo". According to public information, in August 2014, risk investment institutions such as source capital and Lanchi Venture Capital jointly invested in the "fun installment"; in June 2015, Kunlun Wanwei invested "fun installment"; in September 2015, Ant Financial strategy strategy in September 2015, Ant Financial strategy strategy Investment "fun installment". In July 2016, the brand strategy upgrade of the Mochian Group. On October 18, 2017, the Qudian Group was listed on the US New York Stock Exchange. In July 2018, the Headquarters of Qudian Group was relocated from Beijing to Xiamen.

(Fun Store goes to the United States to go public. Source: I am Luo Min public account)

Public information shows that the annual revenue of Qudian in 2016 was 1.442 billion yuan, and net profit reached 576 million yuan. A fact that cannot be around, the "fun stages", the former "fun stages", laid the business achievements of Fun Store.

02 Once the road of "campus loan", now its product "comes in installments" is still frequently accused of violent collection

"The Internet is memory, have you used interesting stages?" Some netizens on the social platform bluntly said.

The above -mentioned brand strategy upgrade in 2016 was the "Fun" upgrade to fun shop group. In the same year, Luo Min was also selected by the Hurun Rich List as "China's Top Ten 80 Entrepreneurs".

Public information shows that the "interesting stage" was officially launched in March 2014, and its main business was campus loans. There are also rumors in the field that Luo Min, the founder, issued leaflets in a university in Shanghai at that time, to the first order of interesting stages, and then developed a group of interesting part -time campus agents.

According to the official website of Qudian, in August 2014, the business outlets expanded to 300 cities across the country within a month, becoming the leader of the industry. According to media reports, people familiar with the matter reported that the interesting stages of the year blindly pursuing the number of users, which led to the same false control team. Since the second half of 2015, bad accounts have increased frequently.

At the same time, a large number of campus loan platforms have emerged, and there are frequent chaos in the industry. "Loan loans" and even "naked strips" borrowed loans. Many college students who were trapped in campus loans were exposed. Essence

In April 2016, the Ministry of Education and the CBRC jointly issued the "Notice on Strengthening the Risk Prevention and Education Guidance of Campus Bad Network Lending Risk and Education Guidance", which clearly requested that all universities establish a daily monitoring mechanism and real -time early warning mechanism for colleges and universities. Bad online lending response disposal mechanism. In September 2017, the Ministry of Education made it clear that "the campus loan business is banned, and any online loan institution is not allowed to issue loans to college students."

At that time, the "Fun" also began to turn the bow, withdrew from the campus loan business, and turned to adult cash loans.

However, Luo Min's business journey was not depressed. At least the revenue and profits of Qudian before 2020 were considerable. According to public information, from 2017 to 2019, the revenue of fun shops was 4.775 billion yuan, 7.692 billion yuan and and and of 7.692 billion yuan and the " 8.84 billion yuan, net profit was 2.164 billion yuan, 2.491 billion yuan, and 3.264 billion yuan, respectively. Luo Min's business map showed the scale. Qixinbao showed that there were 50 member companies of the Funian Technology Group, of which Luo Min had 26 companies.

The business of Qudian has always been related to borrowing, and the official website of Qudian also claims to be "China's leading financial technology service company". But various negative news is also frequently exposed.

New Yellow River reporters noticed that there were more than 100 complaints about "fun stages" in the black cat complaints, and there were 29,987 complaints about "coming staging" on another product of Qudian. In the complaint information, you can see a number of "malicious collection", "harassment SMS" and "deductible for no reason", which also include "to maliciously guide college students' loans" and other complaints.

(Related complaint information on black cat complaints.)

In response, Xinhuang River reporters called the customer service of "in installments". Regarding "malicious collection" and other issues, customer service staff said that non -users were inconvenient to answer.

"Come to install" was launched in November 2015. It claims to be a installment loan service platform that serves the Internet elite. From BAT to the employees of Internet entrepreneurial enterprises and all VC fund employees who have obtained A Series A investment, they can get 10,000 yuan to to 10,000 yuan. 500,000 yuan in credit quota, fastest for 24 hours.

New Yellow River reporter noticed that in 2019, the Qudian APP was also notified for illegal collection of personal information.

03 Is the prefabricated dish out of the way or the last fight?

The prefabricated dishes were considered by Luo Min as a second entrepreneurial.

Luo Min, born in a small town in Fuzhou, Jiangxi in 1983, often expressed his dream of entrepreneurial, "likes tossing." On Luo Min's personal public account, on the 2018 birthday, Luo Min posted "I have a decision today, I made a decision today,", which directly said that he would no longer receive salary and bonuses from the company until the market value of the Qudian Group reached the market value reached $ 100 billion.

However, after 2020, the revenue of fun stores fell as a "cut". In 2020 and 2021, revenue were 3.688 billion yuan and 1.654 billion yuan, respectively. In February and May of this year, because the stock price was less than $ 1 for a long time, Qudian also received the "delisting warning" from the NYSE. The financial statements of the first quarter of 2022 showed that their revenue was 202 million yuan, a decrease of 60.9%compared with the same period last year.

In fact, in recent years, fun shops have also developed many businesses. In addition to "interest stages", "coming installment" and interesting rent for rent installment, there are also children's stages of children's education stages, car retail projects, and luxury goods E -commerce platforms, children's quality education projects, etc. However, these transformation projects have not achieved great success.

The next way of Qudian seems to be unhappy. Maybe this is why it is going to advance into the prefabricated field, but Luo Min does not seem to realize that "the memory of the Internet" has responded so quickly.

In addition to the discussion of the campus loan, the sound of whether the new project prefabricated dishes of Qudian also harvested the "Baoma" also came out. The origin of Luo Min once shouted in the live broadcast room to talk about Bao Ma to join. "The level is not enough, we will not give you this opportunity. This is a logic of faith." In the live broadcast room, he also said that the mothers only need to be hundreds of meters in the community hundreds of meters in the community. Open a prefabricated store nearby, only 50 dishes are sold every day, and you can earn thousands of yuan in income every month.

In addition, Luo Min even released his words: "We don't call joining, we call support, support our users and fans to start a business. The essence of essence is that you have no obligation to pay me a penny. I think there is no profit plan for a short term. "

However, the above methods and questions caused by speech actually have a precedent for a long time. After all, the luxury e -commerce platform launched by Qudian in 2020. Although the high -profile official announced the live broadcast of star spokespersons such as Zhao Wei, Huang Xiaoming, Lei Jiayin, Zheng Kai, Jia Nailiang, etc. To many complaints.

(Positive Poster Poster of Wanli Mind.)

On July 18, after the Strategic Conference of the Fun Store prefabricated dish brand, some media sorted out and announced Luo Min's question and answer record.

Question, "Do you still care about the business of borrowing?"

Luo Min replied: "We have no borrowing, and our balance has only been several billion. The business income of prefabricated dishes is much larger than it. The borrowing of the main income was completely declined, and it has changed since the third quarter. Cheng's 'other' business. "

The loan business transformed into a "other" business, but as a netizen said: Can the original sin be eluted?

Edit: Weekend

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