China's Uber Murderer Had Loans From 51 Lenders, Borrowed Heavily From P2P

China's Uber, Didi Chuxing, has suspended service after a driver raped and murdered a young woman. The story is hitting many hot button topics in China these days including P2P lending. Investigators have learned the driver had borrowed from at least 51 lending institutions.

SCMP: Didi stops hitching service in China after second murder – and admits it was warned about accused driver
Didi Chuxing, China’s largest taxi hailing service provider, has said it will suspend its hitching service on Monday, after the second murder of a woman passenger in three months – and admitted it failed to investigate an earlier complaint from another woman about the driver accused of the killing.

..Its reaction came a day after police in Yueqing, in China’s eastern Zhejiang province, said they had found the body of a 20-year-old woman surnamed Zhao and arrested a Didi driver who had allegedly confessed to her rape and murder on Friday.

According to the police’s official microblog, Zhao had entered a Didi carpool vehicle at 1pm on Friday, and sent a message asking a friend for help at around 2pm before losing contact.
Many netizens were left wondering how the driver passed basic screening tests such as a credit check. One site reported he had borrowed from 51 lenders and was overdue on many loans.

iFeng: 滴滴杀人疑犯信用调查:曾向51家机构借款 多笔逾期已失信
According to the latest news from the police, the girl in the murder case of the Yueqing drip rider was forced to transfer more than 9,000 yuan to the driver Zhongmou WeChat before being killed.

Tim Seng Finance (micro-signal: tsfinance) found in the investigation that Zhong had previously borrowed from 51 institutions and had too many overdue. When Didi is reviewing its eligibility, whether to use its personal credit as an indicator of investigation is a question left to us to think about.

...The investigation found that Zhong, the driver of the Yueqing Drip and Windmill driver murder case, had borrowed from 51 institutions; he also applied for loans from four platforms within one week before the accident. Specifically, 51 lending institutions include car rental, consumer staging platforms, consumer finance companies, credit cards, microfinance companies, and P2P online lending. From traditional financial institutions to emerging online lending institutions, it can be said that Zhong has borrowed from almost every type of institution that can lend.

...The main borrowing institution of Zhong is P2P online lending institutions and consumer finance companies. The survey of Tiansheng Finance (micro-signal: tsfinance) found that the general borrowing rate of the P2P online lending industry is as high as 30% per year. There are also low interest rates, but the requirements for borrowers are very high. Generally, they are not required to use real estate mortgages, or they require borrowers to work in government and public institutions . These conditions are not available to Zhong.

...It is worth mentioning that there have been many overdue loans in the history of Zhong, and there were overdue records on November 13, 2017 and January 13, 2018. In the third-party inquiry system, Zhong’s personal credit evaluation results are displayed as “recommended rejection”.

...This is not the first time that Zhong has driven for Didi. According to his relatives, two or three years ago Zhong spent tens of thousands of yuan to buy the current car to drive for Didi, and has driven in the town and other places. After the Spring Festival this year, he went to Wenzhou with his parents. .

Is it true that people like Zhongmou, who are often untrustworthy, are suitable to serve as the Didi driver for the public? Can they be responsible for the safety of passengers? Do you use your personal credit as an indicator when reviewing their qualifications? Leave us thinking about the problem.

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