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趣店继续向大学生放贷 仍称凭学生证身份证即可

2017-09-25 07:31:53   中国经济网

在无法通过评估之后,《证券日报》记者向客服提出了希望注销账户的要求。记者拨打电话咨询客服,刚刚注册的账号,目前也无法通过信用评估,无法使用App,可否帮忙注销账户。客服回应道,注销账册需要将相关资料发送至指定邮箱进行申请。记者需要将手持身份证上半身照片、手机号网上营业厅个人信息截图、支付宝实名认证图片发送至邮箱,此外还需要说明本人自愿冻结趣店账号。

随后,记者将注销账号的方式告知了小缪,小缪认为趣店的这个注销方式十分不合理。小缪表示,之前在注册的时候并没有要求这些,反而在注销的时候,提出这些严格的要求。况且这些信息十分隐私,万一被不法分子盗取会很危险。

对此,互联网分析师于斌认为,趣店把账户注销的门槛提的很高,主要有两个方面的原因。第一、不想让真实用户群流失。第二、在趣店上市的过程中需要注册用户的数据。

前景遭质疑

资本市场难为其买单

近期,趣店忙着在美国上市的计划。不过有不少业内人士对于趣店提出了质疑。一方面是其依旧在向大学生进行贷款业务,另一方面其单一的现金贷款业务,能否能够支撑其在美国上市。

此外,趣店还对“蚂蚁金服”的依赖过于严重。有业内人士表示,趣店虽然拥有自己的App,但是支付宝为其导入的流量比其自身App的流量摇大不少。目前,蚂蚁金服也开展了消费信贷业务,双方很容易产生竞争关系。今年8月份,趣店还和支付宝重新签订了合作协议,向趣店收费。

在于斌看来,目前趣店想要和支付宝借呗、腾讯微粒贷竞争需要充足的弹药,此时上市融资是一个好选择。不过他也表示,资本市场是否会愿意为其买单,还很难说。

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