For those who have a loan history, Ping An Puhui may be a familiar name. Their publicity is overwhelming. When you need money to buy a house or a car, Ping An Puhui claims to be able to provide long-term and large-amount loans. loan. Ping An Puhui and Ping An Bank are actually not related and are separate from each other. If you are being called on a loan, you need to keep evidence or negotiate with them. If that doesn't work, you need to ask your family for help.
1. Both are subsidiaries of Ping An.
Ping An Group, born in Shenzhen, has continued to expand from the insurance business. In 2020, it ranked 21st among the Fortune Global 500. Ping An Group has as many as 28 subsidiaries covering domestic It has two major foreign markets, and its business scope includes insurance, banking, investment, financial technology, financial services and strategic investment. It is a giant enterprise in many fields.
Ping An Bank and Ping An Puhui are both affiliated to Ping An Group and are subsidiaries. Although they can be traced back to the same system, they have no business overlap because Ping An Group is involved in The field is too broad.
Ping An Bank is a publicly listed national joint-stock bank in mainland my country. It is 58% controlled by Ping An Group and its subsidiaries. It follows the route of a traditional bank. Although it is different in scale from the four major banks, it is overall The scope of business is almost the same. It has become a rising star in my country’s banking industry.
Ping An Puhui is different from general subsidiaries. It is the sum of all investment guarantee, investment consulting and small loan companies under Ping An Group. It is a relatively broad concept. Zhao Rongshi, the head of Ping An Puhui, has worked for well-known overseas banks such as Citibank and HSBC for eight years, mainly responsible for consumer, insurance and personal businesses.
He joined Ping An Group in 2007 and began to lead the integration of Ping An Puhui business cluster in 2015, creating 7,000 employees, 11 million cumulative customers, and a cumulative loan amount of 100 billion, covering 700 countries across the country. Multiple cities. It can be seen that Ping An Puhui and Ping An Bank are both subsidiaries of Ping An Group in terms of institutions. They are on the same level but separate from each other. 2. The business scope does not overlap.
Although they are both subsidiaries of Ping An Group and have similar names, their business scopes are actually far apart and there is basically no overlapping area. The source of funds for Ping An Puhui is not Ping An Bank, and Ping An Bank does not provide business guarantees for Ping An Puhui.
In fact, what makes users confused is that both of them have the word "peace" hanging on them at the same time. It is easy to subconsciously think that they have business dealings, which is of course wrong. Ping An Bank follows the route of a traditional bank. Generally speaking, they can provide the basic services involved in the four major banks, such as application and opening of some cards, credit extension and loan withdrawal, fee adjustment, etc., as well as other services. .
Leveraging Ping An Insurance’s huge user base and high-quality talent pool, Ping An Bank has proposed a strategic direction to transform from a traditional bank to a new bank, taking the route of “retail strategic transformation”. Through business upgrades, In order to provide users with better services and establish better ecological connections, it is a bank facing the future.
In contrast, Ping An Puhui can be said to have taken a completely different approach. Ping An Puhui's customers are mainly small and micro business owners, self-employed people and ordinary working-class people. They have proposed a standard "1050", that is, the annual income of enterprises or self-employed people does not exceed 10 million, and the number of employees does not exceed 50 people. In short, it is targeted at It is a user with medium and low capital needs, which is fundamentally different from Ping An Bank’s uncapped business scope.
If Ping An Bank targets large users, then Ping An Puhui targets small users. It has found a customer base with more needs, a larger population base, and small and frequent capital needs. In short, it is no different from other online loans or small loans. It mainly involves the process of user application, verification of qualifications, signing of contracts, granting loans, and collecting principal and interest. The funds also come from financing from various companies, not from Ping An Group. .
Different from general loans, the biggest advantage of Ping An Puhui is that it is affiliated with Ping An Group. Ping An Insurance itself has penetrated into users all over the country and has a pretty good reputation, so people will naturally develop Large companies have a more reliable impression.
To summarize, Ping An Bank is a bank, and Ping An Puhui provides loans. There is basically no overlap in business between the two. Ping An Bank does not provide funds for Ping An Puhui, and Ping An Puhui does not require a guarantee from Ping An Puhui. They are subsidiaries that are not related to each other, and their main business and customer groups are essentially different. 3. Ping An Puhui has a poor reputation and the loan collection phenomenon is very serious.
Ping An Group has a good reputation among the domestic public because of its wide-area and long-term insurance business, whether it is life insurance and accident insurance for individuals, or corporate annuities and corporate annuities for companies. Pensions have a considerable number of repeat customers, but Ping An Puhui has been criticized a lot.
Ping An Puhui is aimed at people who are in urgent need of funds. It belongs to the relationship between capital and lenders. It has been in an unequal relationship for a long time. The intuitive contrast between large companies and small customers is even stronger. Not only do they shrink The repayment period was shortened from two years to six months, and the interest rate and default repayment guarantee were also raised. If Ping An Bank belongs to the service industry, then Ping An Puhui is born to be superior. Not only is it quite harsh on contract terms, but it also has very bad loan collection practices. This is the fundamental reason for its extremely poor reputation.
Even if a bank loan is very formal, it still faces the risk that the customer will not be able to repay the loan. As for Ping An Puhui, as a small loan, the risk factor is even higher. Whether they are small and micro business owners or self-employed, the purpose of borrowing money is to turn around their business, and business transactions are not guaranteed. Once the capital chain is extended, they will face the risk of overdue; as an online loan, Ping An Puhui, There are also a considerable number of applicants who have no fixed income. For example, they have provided loans to college students or used disguised methods to lend loans to different groups of people, which further increases the difficulty of withdrawing funds.
If the payment is not made, it will be called for repayment. One of the most criticized points of Ping An Puhui is that it outsources the repayment business to third-party companies, thereby circumventing legal regulations. But this has brought about new problems. Most outsourcing companies are people who are not doing their job properly, and they always have a trace of bad things. They don't follow any rules and can come up with all kinds of ways to collect refunds. Since Ping An Puhui has a large user base, there are naturally many victims. 4. How to respond to the threat of loan collection?
Overdue online loans are a topic that many applicants cannot avoid. In the past two years, due to the epidemic, everyone’s income has generally declined, loan demand has increased, and the phenomenon of loan calls for non-payment has become even more common. serious. So, how should you respond to aggressive debt collectors?
When facing a reminder, first determine the identity of the other party. Generally speaking, when online lending companies, including Ping An and Puhui, their employees have some scruples when calling for repayments, they will not speak to users in a particularly bad tone. After all, they are practitioners and understand the laws and regulations better. So, When facing this type of person, as long as you have a better attitude, there is still room for negotiation, such as extending the repayment time or reducing the repayment amount until your own funds are replenished and then repay the loan together. These are reasonable requests. Will be considered.
If you are the kind of person who has a very bad tone, is arrogant when he opens his mouth, and even uses all kinds of swear words, these people are basically outsourced employees, so you must be mentally prepared when talking to them.
First of all, it is clear that extreme debt collection and outsourcing debt collection are not protected by law. The work performed by these people is often irregular. You need to turn on the recording in advance and record the entire process of the other party's reminder as evidence.
Secondly, listen to his request clearly. If you are overdue for a short period of time, but he asks you to pay it back immediately without asking the reason, then you can apply first and express your difficulties. At the same time, you must give Set a time limit for full repayment and let the other party consider it; the debt collector determines his performance based on the payment time, so the shorter the time limit, the better. If you really can't repay in full, then discuss it with him First, repay part of it, and move the rest to the next issue or a certain point in time before.
Finally, if the other party’s attitude is extremely bad, you must rebut it with reason and evidence, indicating that this is a behavior not recognized by the law. Generally, the other party will restrain their arrogance and then propose your repayment. Plan, there is a high probability that you will get good feedback.
If the other party insists on having his own way, tell him the facts of the recording and make him realize that he is already on the edge of the law. If even this can't stop him, then the only option is to sort out the materials and prepare for an appeal, or ask family members to help him pay it back.
Remember one principle, repayment of debt is a matter of course, and urging for repayment is only a means. What you have to do is to make up the repayment quickly, rather than blindly delaying it with the other party. It is best for everyone If you don't take out an online loan, you must abide by your promise once you take out an online loan, let alone use loans to support the loans, otherwise you will only get deeper into trouble.