Malicious promotional "expense rate" 70% water drops: platform rate 3.6%, previously managed and controlled malicious promotion case 800+

After responding to social attention twice in June, today (August 21), the domestic major illness fundraising platform water drops issued a public statement again, responding to the online transmission of "fundraising agents to reach up to 70%".

The statement pointed out that the so -called fundraising intermediary is operated by some maliciously promoted third -party business organizations to provide a funds with unreasonable fundraising services. Any cost of any of the 3.6%of the funds is not charged by the platform (water droplets and third -party payment platforms).

Subsequently, Shen Peng, CEO Shen Peng, CEO of Shui Drop Company (WDH, a stock price of $ 1.13, a market value of 444 million US dollars), reposted the statement, saying that the so -called fundraising intermediary non -water drops are used. Essence

Truth and transparency are the root of the fundraising platform for major diseases, and strict review and risk control mechanisms play an important role in it.

How did the malicious promoters dig at the funds to the money control mechanism under the risk control mechanism of water droplets to conceal the sky? Why is the funds willing to pay the fundraising to malicious promoters? In the future, how will the head platform cope with this "biggest challenge" and keep the good donations of trust support?

Water Drop Capital August 21 Public Statement Picture Source: Water Drop Crash Official Weibo

The malicious promotion at the end of last year appeared, and major slow diseases became high incidence areas.

At the end of June, a survey of a survey of "Grand Credit Booking Gray Chain:" Professional Money Promotional "revealed the gray chain that attached to the major disease -funded industry.

The report pointed out that after the funding of the chip of water droplets issued a link to the fundraising link, he received a call from a number of professional promoters. The other party said that it could provide promotion services and ensure the fundraising effect, but the fundraising person was required to successfully raise funds to successfully raise funds. After half of the fundraising fees as "service fees", the promoters were divided. The crowdfunding of a greater appetite "Professional Promotion" has raised this rate to 70%.

At present, water drops are one of the largest domestic disease fundraising platforms in China. According to the platform's data, from July 2016 to the end of March this year, the cumulative fundraising amount of water droplets was about 5.9 billion yuan, and nearly 2.5 million patients and families served. The number of donors of love was more than 403 million, and the number of people was close to 1.7 billion.

This means that more than a quarter of the Chinese have helped others in water dripping.

After being stretched to the good hand to push to the cusp of the wind, the water droplets have spoiled many times since June.

On June 17, the water drops were issued and easily crack down on a joint statement of the posing platform to collect the "promotion fee", saying that the platform has never authorized any third -party organization or individual to provide the funds with the so -called promotional services.

Once the operation of malicious brushing, donation first and then returning during the fundraising process will trigger the platform risk control mechanism and be judged as illegal acts. The funds have been raised to refund the donation users.

On June 28, water drops again claimed that "the gray chain‘ zero tolerance ’is“ zero tolerance ”on the major illness.

On the afternoon of August 10, the water drops also held a media communication meeting with the theme "Transparent and True Trust".

At the meeting, Guo Nanyang, the person in charge of the risk control supervision of Shui Drop Company, said that at the end of last year, malicious promotion cases have occurred on the water drop ration platform.

The "malicious promoter" is defined inside the platform as a person's information through the hospital, the patient's introduction, or other methods of finding the patient's information. group.

From the perspective of the operation path, the funds provided the fundraising link to the malicious promoter after initiating a real fundraising project on the platform. Groups, public accounts and other channels are released to achieve higher fundraising amounts.

From the perspective of platform data, most of the funds involved in malicious promotion are leukemia or cancer patients who have initiated funds many times. Such chronic diseases have high treatment and long treatment cycle. After one or two or two years, individuals It is difficult to support the next normal treatment.

After the major illness fundraising platform has launched help, the relationship between the patients and family members and social resources is basically exhausted. In more extreme cases, patients may choose to seek malicious promoter cooperation under huge pressure.

In the real fundraising project, the blacklist mechanism has been implemented, and the blacklist mechanism has been implemented

The public statement issued by Water Drops on August 21 showed that after several months of investigation and blow, the water droplet control team has been able to effectively identify the fundraising items participating in the fundraising intermediary. It continues to spread.

According to the aspect of the meeting provided by the water drop, Guo Nanyang made a detailed explanation at the media communication conference held on August 10.

It stated that in March this year, the malicious promotion behavior of the water droplet platform reached its peak, and the risk control governance inside the platform experienced a process from extension to fineness, that is, from the initial manual management and control to the identification model of establishing malicious promotion behaviors. Through the line On -handed and offline inspections improved the monitoring and processing process of risk control.

From a technical point of view, this risk control model is based on the data of the platform in the past six years. On the one hand, the behavior path of normal fundraising and the number of reposts and trends after each type of disease initiates. The malicious promotion cases occurred in March of this year were tracked and dismantled, and eventually built on the AI ​​(artificial intelligence) algorithm and big data means. According to Guo Nanyang, the model was officially put into use in mid -March this year. At present, the 24 -hour monitoring and operation is the first digital defense line for water droplets. For the fundraising project with malicious promotion of the model, the platform will pass the direction of the platform through the direction of the model. Hospitals and fundraising users verify the second and third verification judgments.

For malicious funders, the water drops platform will include it into the blacklist; for malicious promoters participating in the case forwarding, the platform will limit its access, reposting and confirming permissions on the platform.

In addition, the special investigation team established by the platform will collect evidence of collecting malicious promotion behaviors and report to relevant departments to investigate the judicial organs. At present, there have been report records in July and during the investigation, the platform staff will also find malicious promotion organizations.

From the perspective of the effect, the platform has an average of more than 50,000 fundraising projects per month. As of August 10, the model has cumulative more than 800 malicious promotion cases and more than 600 malicious promoters. For more than 20 malicious promotion funds, according to Guo Nanyang's optimistic estimation, the case of malicious promotion in August will be less than July.

However, the blacklisted mechanism of "incorporated the funds involved in the malicious promotion into the dishonest user and limited it to the platform for fundraising projects on the platform" also means that patients with chronic diseases who have raised funds and exhaustive resources are still difficult " Breaking the circle "for help.

In this regard, Guo Nanyang said that the platform can understand the user's mood, and he will find a way to help him connect with the public welfare foundation and provide other rescue resources. "".

The biggest challenge in the industry comes from the impact of black production, and platform risk control still needs to be upgraded

In May last year, Shui Drop Corporation successfully landed on the US New York Stock Exchange, and Shui Drop, as an important business of the company, did not contribute any income, and to a greater extent was the "diversion" role.

According to a statement issued by the platform on June 28, since the listing of water drops in July 2016, the operating cost of the water drop company's full subsidy of the water droplet platform was fully subsidized. Until April this year, 3%of the water droplets were charged 3%of the amount of fundraising as a service fee (In addition, the third -party payment platform charges 0.6%of the payment channel) to maintain platform operations.

"Each business of the company's business is different. The water drop insurance is profitable. The water drops are not profitable. We allow it to lose money slightly. More importantly, sustainable development, to the greatest extent to help more users. "

However, when the black industry such as malicious promotion comes, Zhu Zetao, the person in charge of the water droplets and the patient service group of the patient, believes that this is the biggest challenge facing the industry and the industry's biggest challenge.

On the afternoon of the 21st, water drops also told reporters of "Daily Economic News" that those who have such malicious promotion events have both individuals and organizations, and they have the industry's universality. It will affect the credibility of the brand, and the funding person who needs help cannot get help in time.

Therefore, the upgrade of the risk control system has not ended.

According to the news on August 10, the water droplet planning platform is currently preparing for the water droplet "Transparent Operation Committee". Shen Peng will serve as the director of the Transparent Operation Committee. Zhu Zetao and Guo Nanyang will be the deputy director of the committee. Offline teams, legal affairs, public affairs, public communication and other departments are jointly responsible. Please include the participation of opinion leaders such as the legal community, charity, media, and lawyers. They are committed to ensuring that the case information is true and transparent, the funds are safe and transparent, and the platform rules are reasonable and transparent.

In addition, the poor information between the funds and the donor, and the upgrading of information disclosure is also an important step in consolidating trust.

Zhu Zetao said that the platform plans to repeatedly confirmed the fundraising evidence of the back typhoon control team, patients and their families, as well as the surgical condition, patient status explanation, and progress of fundraising, and increase the objective perspective of third -party objects through the patients/friends of the patient.

In the future, how to upgrade the platform's risk control ability, rules to formulate capabilities, and the ability of joint public security to crack down on illegal crimes is not only a challenge that water drops need to face, but also a problem that the platforms in the industry need to pay attention to.

Daily Economic News

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