Today, a video titled "Elementary School Students Trembling at Home and Watching Their Mother's Bath Being Livestreamed" was widely circulated on the Internet.

After verification, the video was posted by the user at 10:06 last night, and there was an accidental light in the distance of the video, and the video was taken offline at 11:03, with 216 views, not live content.

This morning, the video was suddenly spread on the Internet, and it was played as many as 890,000 times on mobile phones alone, which was obviously maliciously promoted.

This behavior not only seriously violates the user's privacy, but also causes great harm to the family concerned.

Next, Doushi will further improve the content moderation mechanism. Users are also urged to report any prohibited content found during the video viewing process.

At the same time, we also call on all friends to return business competition to product quality, and do not hurt ordinary users. ”

Doushi made this announcement through several websites such as Weibo.

The voice of Shake Vision can be regarded as a qualitative characterization of this matter: the video child is miscommunicated, and friends compete maliciously.

Many users spontaneously discussed it on the Internet, speculating about who was behind it.

Some say it's a small coffee show, some say it's a headline video, and say it's Kuaishou, accounting for the vast majority.

Because in terms of user volume, jitter is the biggest threat to Kuaishou.

Kuaishou's CEO Su Hua spoke directly on Weibo: Kuaishou disdains to do this kind of thing, and hopes that some friends will do a good job in the content review mechanism and not discredit the entire industry.

As soon as Kuaishou spoke out, short video platforms such as Toutiao Video and Xiaojia Show also spoke out, claiming that they had nothing to do with themselves and that they were innocent.

Strange to say, there was a bath door incident, and the number of users of Douyin not only did not decrease, but ushered in a wave of upward tide.

The back-end technology called up the recently registered users and found that 80% of them were male users......

Shaking the eyes is a blessing in disguise, attracting a large number of gentlemen who come for sightseeing.

In addition, the Beijing Cyberspace Administration and relevant departments interviewed Douyin, asking Douyin to do a good job of content review, and not to have incidents such as bathing doors again.

The leaders said so, and Zhang Lan had no choice but to agree. But whether this kind of thing will happen in the future, she is also a little uncertain.

After all, the current AI video recognition technology is not yet mature, and it can only rely on manual review, and people are not robots, so it is inevitable that there will be some negligence.

Zhang Lan had no better way but to add more manpower to the content moderation team as Zhang Yida suggested.

......

"Mr. Zhang, there are users who have cashed out our use, and the amount adds up to a lot. ”

Hong Haibo, a consumer finance and wealth management business group, walked into Zhang Yida's office and reported.

"How did you cash out?" asked Zhang Yida curiously.

Yongbei is the credit consumption limit granted to users by Ruixiang, similar to Huabei.

In addition to several Internet companies under Zhang Yida such as Pindoduo and Peite.com, there are only offline stores cooperated by Mobao Pay.

"In offline stores, there are offline store owners who have been authorized to use Bei and collude with users to partner to turn Yongbei consumption quota into cash. ”

When Zhang Yida heard it, this is a difficult problem in the industry!

Compared with cash loans without specific purposes, the bad debt rate of loans with obvious use scenarios is more controllable.

For example, Zhang Yida's investment in Miao Installment and Le Installment are two companies that do consumer installment malls, where users buy goods in installments and then repay the loan on time every month.

This is also the case for medical aesthetic staging and education staging, all of which have clear usage scenarios.

But some users like to take advantage of the loophole and turn those spending into cash.

Of course, turning into cash requires the cooperation of relevant people, such as the offline store owners that Mobao pays with.

For this kind of realization, the store owner must charge a handling fee, for example, if you realize 1,000 yuan, you will receive ten or twenty yuan.

The rate is uncertain, and it all depends on how the user negotiates with the boss.

Zhang Yida didn't care about this, what he cared about was the bad debt rate, he asked Hong Haibo: "After these users cash out the quota, do they repay the loan on time every month?"

"Most of them were repaid on time, and only a small number of users saw an increase in their overdue rate. ”

Hong Haibo sighed, "This kind of user doesn't have to think about it, and even the use of it has begun to cash out, either because the consumption in advance is too exaggerated, or the income is extremely unstable." ”

Hong Haibo continued: "This year, we have accelerated the pace of credit granting, and the risk control has been slightly relaxed.

It is estimated that by the end of the year, the total number of credit users may exceed 40 million, and the total credit line will exceed 120 billion yuan. ”

"While liberalizing credit, we should also pay attention to risk control. Zhang Yida reminded, "We can't just blindly pursue scale, but also pay attention to healthy development." ”

Hong Haibo nodded yes, and said: "At present, the amount we give to users who have just obtained credit is not high, only one or two thousand yuan.

The reason why such a low quota is given is to observe this group of people, if they have a strong ability to perform the contract, then they will be given a higher quota in the future, and the borrowing rate will also be lowered;

If they can't fulfill their obligations, we will lower the credit line and lower their mung bean credit score. ”

Zhang Yida thought for a while and said: "It can't be one-size-fits-all, if the users who have arbitrage behaviors repay the loan on time, then turn a blind eye."

After all, anyone can run into something urgent. Banks are not just letting credit card users cash out.

For users who are often overdue after cashing out, they will be punished according to the severity of the situation, such as freezing the quota and reducing the quota.

For users who have been overdue for a long time after cashing out, the entire credit line will be withdrawn, the credit score of mung bean will be lowered, and the overdue data will be submitted to the central bank for credit information. ”

"By the way, there are also merchants, I almost forgot about them. ”

Zhang Yida thought for a while and said: "In this way, merchants who often cash out to users still have to give some warnings, such as turning off the "Yongbei" payment function for them, and they can only pay with the balance or bank card. ”

Hong Haibo nodded, "Yes, you have to control it." Otherwise, they are too rampant, and I am afraid that it will not be good to cause a large number of users to imitate them. ”

......

Guangdong Province.

University of Foreign Chinese.

Li Hongyu and a few followers were eating, and suddenly one of the followers shouted: "Brother Yu, Brother Yu, look at the group, there is business." ”

"What's the name of the ghost? I can't even eat a meal. ”

Li Hongyu put down his chopsticks, took out his mobile phone from his pocket, and clicked on a WeChat group called "Happy TX Every Day".

There is a person in the group asking: The amount of 3,000 yuan for investment and financing, and the amount of 5,000 yuan for Beihuabei, is there an urgent need to cash out, is there any big brother to help?

Other group members replied: New here, right? You won't be able to cash out, just chat with the group owner or "group customer service".

Li Hongyu is the leader of this group, he replied: "8000 quota, ten points of handling fee, if you want to cash out, you can start doing it immediately, and you can get it in five minutes!"

The man hesitated for a long time before replying in the group: It's too expensive! It's only three or five points for the others.

Li Hongyu replied: Our studio operates with integrity, and Tong Suo is not bullied. If you don't believe me, ask the people in the group.

Other people in the group also helped:

"Yes, Boss Li, don't worry about running away your principal here, you are very honest. ”

"Don't go outside to find other black intermediaries, you'll be dumbfounded if you don't give you money if you cash out!"

"It's expensive, and the quality of service can keep up!"

The person who wanted to cash out hesitated and typed, "Okay, I'll try the 3,000 yuan first." ”

Li Hongyu sighed, "It's really boring! It's all scum money!"

"Ah Biao!"

Li Hongyu called the follower who had just called out to him.

Ah Biao asked, "What's the matter with Brother Yu?"

"You cash out to that person in the group. ”

Ah Biao said with a bitter face: "Brother Yu, why is it me again?"

"You get a 10% commission on the money you make. ”

As soon as Li Hongyu's words came out, several other followers rushed to take over the job.

Of course Ah Biao didn't do it, how could he let others do it if he moved his fingers and earned 80 yuan.

"Brother Yu, whose code do you use?"

Ah Biao added the WeChat of the customer in the group and was chatting privately with the other party.

"Uncle Pony's!"

Ah Biao said "oh", and found Uncle Ju's from a large number of QR codes stored in the mobile phone album, and sent it to the customer who cashed out, typing: "Scan the code to pay, and I will give you back the money after receiving the transfer." ”

After a while, the customer sent a screenshot of the successful payment to Ah Biao.

Ah Biao said to Li Hongyu: "Brother Yu, the customer said that the payment was successful, you let Uncle Ju transfer the money!"

Li Hongyu is no longer lazy, this step must be completed by himself. Because this link is very important, it can't be handed over to the younger brother under him.

Li Hongyu opened the address book of his mobile phone and typed in the words "Broken Tooth Pony", and soon the phone number came out.

Dialing the phone number of Broken Tooth Ju, Li Hongyu smiled and said, "Uncle Ju!

Hey, hey, someone just paid 3,000 yuan to come over, do you see if you received it?

Got it, right?

Okay, it's still the old rule, you leave a point, it's fine.

Uncle Ju doesn't need it, you can keep the 30 yuan to buy a box of cigarettes, and when my nephew honors you. ”

Hanging up the phone, Li Hongyu looked at Uncle Ju just yuan, transferred 2,730 yuan to A Biao, and said:

"2700 you transfer to the customer, 30 yuan is the commission!"

Ah Biao confirmed the payment and happily went to return the money to the customer.

The customer received a transfer of 2,700 yuan, compared to the payment of 3,000 yuan, the transaction was eaten up 10% of the handling fee.

The customer was not dissatisfied, on the contrary, he thought that he had found the right person, because he did not hack his "principal".

Then the customer asked to cash out the 5,000 yuan limit of the payment shell.

Ah Biao asked Li Hongyu again: "Brother Yu, whose code is used to pay Bei?"

"With Aunt Zhu's!"

Li Hongyu silently lit a cigarette and watched Ah Biao cash out to customers there with high interest.

Hey, Li Hongyu feels that the current money is too difficult to earn.

He still misses the good times when Mobao Pay was vigorously promoted, and he made a lot of money by relying on his uncle who managed the farmers' market.

After promoting Uncle's farmers' market, Uncle introduced him to the heads of other regional farmers' markets.

In this way, under the introduction of the uncle, Li Hongyu gave gifts and invited him to dinner, and won more than a dozen farmers' markets in Yangcheng.

Li Hongyu is responsible for climbing friendships, and his younger brother is responsible for promotion.

Soon, Li Hongyu promoted more than 13,000 merchants and received nearly 700,000 yuan in commissions from the University Local Promotion Alliance.

After deducting the gifts and commissions given to his younger brother, he earned nearly 500,000 yuan by himself.

However, with the gradual saturation of the mobile payment market, his plans to make a fortune have been greatly affected.

Fortunately, he found a way to make money by cashing out.

However, this business is somewhat unstable, and sometimes several customers a day can earn thousands of dollars.

Sometimes it hangs zero every day, after all, customers who need to cash out are not met every day.

Li Hongyu was wondering, do you have to go to the toilets of various restaurants, Internet cafes, and teahouses to post advertisements again?

It is estimated that the advertisements posted before have been cleaned up, no wonder there are so few customers in recent days.

"Ah Biao, will you go to the toilet where the advertisement was posted before and see if the advertisement is still there?"

Ah Biao had a bitter face, "Brother Yu, let's post it in another place, the toilet is too smelly!"

"You know a piece of! These places work well! You go around, I'll take you to pinch your feet later!"