Netizens have expressed that such lending advertisements of Internet companies are basically short video platforms placed in the sinking market, which only promote the convenience and benefits of borrowing money. The advertisements do not mention the interest and risks after borrowing money, which is obviously misleading and is simply cheating people.
Jingdong these two loan advertising online, public opinion one-sided accusations, mocking Jingdong finance.JD.com immediately issued an apology and took the video down.
In fact, JD is not the first to step on such a loan advertisement with questionable values, and I believe it will not be the last.
I believe you still remember, a while ago by the netizens criticized the 360 loan advertising “stewardess and poor bachelor loan love”?In this advertisement, because the rural man did not know the XX IOU, the beautiful stewardess immediately said it was not suitable and wanted to break up, and then after the man borrowed the money, the stewardess said they were suitable again and followed him back home.Qihoo 360 apologized and took the video down, but more similar loan ads continue to appear.
These loan ads are so ubiquitous that they pop up from time to time when you are watching video clips or browsing the web. Sometimes you inadvertently click on them, then you will definitely be bored to death by these loan ads for a period of time.
Of course, the team behind these loan ads has invented all kinds of stories in order to get users’ attention, and we have to admire their ingenuity.
For example, I am afraid of my world, there are only two lines.The caption beside it is: XXX, a graduate, started her journey around the world with Huabei.
For example: “Why don’t you use staging when you’re short of money!!”“You this which is to borrow money, simply send money to somebody else, how do you not use millet loan?”
For example, call customer service to answer customers’ doubts, directly shouted product loans, directly show how to use mobile phone operations to borrow money, and so on.
What should be pure emotion is linked to money by these loan ads and becomes all materialized, as if you can’t get happiness without spending money and you have to overdraw the money in the future to live a better life.
A detailed analysis, although these advertising themes are different, but the unity is to stimulate the user’s vanity and guilt, to put it plainly, is the user of moral kidnapping, love, affection, friendship, are their “kidnapping” target.
In fact, domestic capital is now doing these, has been the western capitalist countries to play the rest.
In the 1980s, a kind of “payday loan” platform was popular in Europe and the United States. The capitalists shouted to help the young people get through the distress before payday and make them live a better life, so as to stimulate their consumption desire and overdraw their wallets.
As a result, a lot of young people got into debt, which led to a lot of social violence, and then the CFPB stepped in and put in very strict rules to regulate it, which slowed the growth of payday lending and even started to decline.