Cover News Reporter Yao Ruipeng
Recently, the topic of the bull market seems to have gradually disappeared from the hot list, and the popularity of account opening has gradually cooled under the volatile performance of A-shares. In this market, there are not a few people who take out loans to speculate in stocks, and even some people on major social platforms have posted to share how to hide from the bank's "legal eyes". Some people borrowed 100,000 yuan to speculate on stocks and lost 7,000 yuan, and some people were found by the bank to raise money to repay the loan.
Since October, a number of banks have reiterated that they are strictly prohibited from the flow of credit funds into the housing market, stock market and other fields, and stressed that they will withdraw loans in advance once discovered.
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The credit loan borrowed 100,000 yuan to speculate on stocks
Banks can only raise money to repay loans
Zhang Lu, a "post-00" who lives in Hefei, Anhui Province, opened an account during the National Day after seeing the news of the 1,000-share limit on September 30. Due to the lack of principal, he applied for a credit loan totaling 100,000 yuan from the bank on October 7 after repeated entanglement. After entering the market, Zhang Lu only chose the stock of Chinalco, entered the market at a high level, and lost 10,000 yuan in one day only on the 8th, followed by a loss of 6,000 yuan on the 9th, "I bought and sold a few stocks later, but the income was not good, and now my principal is gone, and I have lost 7,000 yuan." Zhang Lu showed reporters his loan repayment plan, on October 25, he was about to repay 8,868.83 yuan, and every subsequent installment was nearly 9,000 yuan. Zhang Lu said that the current arrears have reached about 115,000 yuan, and he has not yet let his family know about his loan to speculate in stocks.
Screenshot of Zhang Lu's loan
Li Gang, who lives in Wenzhou, Zhejiang Province, applied for a "flash loan" from the bank. On October 8, the bank sent a message to Li Gang, saying that Li Gang had stopped the loan limit due to suspicion of entering the stock market and demanded that the loan be returned. "I did transfer it to the stock market trading account and was found by the bank, but I invested all my money in the stock market, and I lost a lot if I cut my meat at a low point." Li Gang said that the bank immediately called him and asked him to repay the loan on the 11th. In desperation, Li Gang could only raise funds from other channels to repay the loan.
Notice of Li Gang's loan drawn
The reporter found that there are not a few people like Li Gang and Zhang Lu, and there are many people who have sorted out relevant "experience posts" to guide others on how to hide the bank's "legal eyes" and obtain funds to enter the market to speculate in stocks without being discovered. The reporter tried accordingly, and an account manager told the reporter that it was feasible, "After you swipe it out through the POS machine, there is no limit to consumption." The manager said that as long as the repayment is normal every month, the bank will not be found and withdrawn, and assured the reporter that he can borrow about 400,000 ~ 500,000 yuan.
The "assurance" of the self-proclaimed bank staff to journalists
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Banks have strengthened the post-loan management of credit funds
Since October, a number of banks have reiterated that they are strictly prohibiting the flow of credit funds into the housing market, stock market and other fields, and stressed that once illegal misappropriation is discovered, banks will withdraw loans in advance. "Recently, banks have indeed stepped up post-loan management of credit funds. If the loan is found to be problematic, the funds will be recovered. A credit manager of China Construction Bank told reporters that the main reason for the entry of consumer credit loan funds into the market is that these funds are approved quickly and the funds are directly entered into the borrower's card.
If the customer conceals its true use, the bank will not be easy to detect before the loan, but the bank will remind the credit funds before the loan in areas where they cannot enter, such as the stock market and the property market. Therefore, banks can only strengthen post-loan management to avoid the problem of funds entering the stock market.
Credit inflows into the stock market are nothing new, and have been similar in the past when sentiment has been high. Although banks have stepped up post-loan management and regulators have stepped up supervision of banks, this problem has persisted. Experts suggest that a blacklist system can be established in due course.
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Under the hot bull market, cautious is "coerced" by the Internet
Consider your own situation and invest responsibly
"Credit funds into the market is more harmful, and for investors, loan entry means increasing leverage to amplify stock market volatility and increase investment risks." Economist Yu Fenghui said that the construction of the social credit system should be strengthened, and the fictitious loan purpose and misappropriation of credit funds should be included in the credit reporting system, so as to increase the cost of borrowers' violations, and curb the illegal flow of personal consumption credit funds into the property market and stock market from the source.
The reporter found in the interview that most of the stock investors who entered the market did not have relevant stock knowledge, and the loan to enter the market to speculate in stocks was because of the hot discussion in the previous bull market, and the situation in the network was very good.
"The hotter the stock market behaves, the more investors need to remain calm and rational." Yu Fenghui said that investors need to choose investment varieties based on their own risk tolerance. The risk level of the stock market is completely different from that of investment deposits and bank wealth management, and due to the volatility of the stock market, it is not recommended that all investors blindly follow the trend into the stock market.
Source: Cover News Editor: Ding Fenglin