Chinese lenders lose India: a large number of corporate accounts are frozen, and some Indians say the Chinese are stupid and have a lot of money

编辑周大辉

Editor Zhou Dahui

蓝字工程

Blue word project

中国向印度提供贷款的业务已经结束。

The business of Chinese lending to India has come to an end.

去年11月27日，印度著名情景喜剧作家阿比塞克在寓所上吊自杀，只留下一张纸条，上面写着他已经尽力解决经济困难，但问题越来越严重，他再也受不了了。

On November 27 last year, abisek, a well-known sitcom writer in India, hanged himself in his apartment, leaving only a note saying that he had tried his best to solve his financial difficulties, but the problem was getting more and more serious, and he couldn't stand it any more.

阿比塞克死亡的消息传开后，他的弟弟贾尼斯开始受到电话轰炸，轰炸者大多来自印度各州，偶尔也有来自孟加拉国和缅甸的。电话里的内容是一样的，都是恶毒地威胁珍妮丝，让他继续为阿比舍克还债。

After the news of abisek's death spread, his brother Janis began to be bombed by telephone, mostly from Indian states, occasionally from Bangladesh and Myanmar. The content of the phone is the same, are vicious threat to Janice, let him continue to repay the debt for abischek.

Janice查看了abischek的贷款应用程序，发现该应用程序的年化利率高达360%。此外，即使阿比塞克不继续申请贷款，对方也会继续往阿比塞克的账户上赚钱，导致阿比塞克的债务越来越多。

Janice took a look at abischek's lending app and found that the app's annualized interest rate was as high as 360%. In addition, even if abisek does not continue to apply for loans, the other party will continue to make money to abisek's account, resulting in more and more debts of abisek.

据《孟买镜报》报道，一名官员就阿比塞克之死发表了声明。只要找到任何证据，政府将立即对这些贷款公司采取行动。

According to the Mumbai mirror, an official has made a statement about abisek's death. As long as any evidence is found, the government will take immediate action against these lending companies.

印度对现金放贷的打击正在激增，大量中国放贷者被逮捕。

India's crackdown on cash lending is surging, and a large number of Chinese lenders have been arrested.

在印度贷款的陈孔告诉我们，在那段时间，"每天都有人被捕"

Chen Kong, who made loans in India, told us that during that period, "people were arrested every day."

从法律上讲，印度的贷款年化利率并不明确，违约红线是36%。此外，印度还允许存在人工审核和人脸识别等手续费，为贷款人留下足够的操作空间。贷款公司可以通过前期费用提高利率，这是国内现金贷款中一度流行的"斩首利息"。

Legally, the annualized interest rate of loans in India is not clear, and the default red line is 36%. In addition, India also allows the existence of handling charges such as manual audit and face recognition, leaving enough room for lenders to operate. Lending companies can raise the interest rate through the upfront expenses, which is the "beheading interest" once popular in domestic cash loans.

正常情况下，中国企业在印度贷款的年化利率可以维持在200%至300%之间。

Under normal circumstances, the annualized interest rate of Chinese companies lending in India can be maintained between 200% and 300%.

高年化率的背后，是他们在国内市场培育的成熟套路。2017年前，国内现金贷款井喷、校园贷款、手机售后回租、714高炮、贷款套路，在极短时间内疯狂冲击社会秩序，也让裸体、自杀等极端事件层出不穷。

Behind the high annualized rate is the mature routine they have cultivated in the domestic market. Before 2017, the domestic cash loan blowout, campus loan, mobile phone leaseback, 714 anti-aircraft gun, the loan routine, in a very short period of time crazy impact on social order, also let naked, suicide and other extreme events emerge in an endless stream.

陈孔之所以成为游走海外的借贷者，是因为在政策高压下，国内现金贷款业务一直难以推广。事实上，中国的海外借贷集团在发现印度之前曾经把印尼视为最大的市场，但现在印尼已经关闭了他们的财富之门。

The reason why Chen Kong became a loaner wandering abroad is that the domestic cash loan business has been difficult to promote under the high pressure of policy. In fact, China's overseas lending groups once regarded Indonesia as the largest market before they found India, but now Indonesia has closed the door to their wealth.

除了庞大的人口基础和强大的市场，印尼还有另一个最适合放贷的特点：宗教信仰。当地居民大多信奉伊斯兰教，《古兰经》中有严格的规定，要求他们还债，这意味着可以将坏账率控制在较低水平，供贷款人使用。

In addition to its large population base and strong market, Indonesia has another characteristic that is most suitable for lending: religious belief. Most of the local residents believe in Islam, and there are strict rules in the Koran that require them to repay their debts, which means that the bad debt rate can be kept at a low level for lenders.

在印尼的华人借贷中，有这样一句话："如果逾期，我们只说一句话，不还，你的上帝会惩罚你。不管怎样，他们都要还钱。"

Among the Chinese lending in Indonesia, there is such a saying: "if they are overdue, we will only say one thing and not pay back, your God will punish you. No matter what, they will want to pay back the money. "

印尼庆祝开斋节

Indonesia celebrates Eid al Fitr

2019年初，印尼一名出租车司机因无法偿还网上贷款自杀，造成巨大社会影响。在随后的6个月里，印尼监管当局关闭了826家无证金融科技公司，其中包括大量中国公司。

In early 2019, an Indonesian taxi driver committed suicide because he was unable to repay his online loan, which had a huge social impact. In the following six months, Indonesian regulatory authorities closed 826 unlicensed financial technology companies, including a large number of Chinese companies.

印尼是中国现金贷款公司寻找的第一个逃避国内监管的新港口。当然，这不会是最后一次。

Indonesia is the first new port China's cash loan companies are looking for to evade domestic regulation. Of course, it will not be the last.

几千年来，以极端手段追求利润的现金贷款，即高利贷，主要针对社会底层，需要不断突破社会规则和底线。因此，它注定要在政策的空白中生存。在这种命运中，他们习惯于应对多变的环境。他们从来都不是赌徒，因为他们面临着高风险，而且已经用高利率覆盖了他们。

For thousands of years, cash loan, or usury, which pursues profits by extreme means, is mainly aimed at the bottom of the society, and needs to constantly break through the social rules and bottom line. Therefore, it is doomed to survive in the gap of policy. In this kind of fate, they are used to dealing with the changeable environment. They are never gamblers because they are faced with high risks and have already covered them with high interest rates.

在印尼市场被这项政策完全封锁后，他们涌入印度。

After the Indonesian market was completely blocked by the policy, they flooded into India.

牟取暴利目前，他决定跟随朋友淘金的潮流，一起投入游戏。当时，他们谁也没有想到，本该充满财富的海上之旅，却因为一场瘟疫成了陷阱。

Profiteering at present, he decided to follow the tide of friends gold, together into the game. At that time, none of them thought that the journey to sea, which was supposed to be full of wealth, had become a trap because of an epidemic.

在疫情爆发期间，人们排队购买物资

During the outbreak, people lined up to buy supplies

2020年3月，陈孔终于带着他的团队来到了印度的办公室。他没有想象中那么忙，只是坐在办公桌前很长时间无所事事。印度因疫情突然关闭国家，使整个团队的业务陷入"半途而废"的尴尬境地，根本无法推广。

In March 2020, Chen Kong finally took his team to India's office. He was not as busy as he thought, but just sitting at his desk doing nothing for a long time. India's sudden closure of the country due to the epidemic situation made the whole team's business in an embarrassing situation of "stepping in half", unable to promote at all.

在中国，提供登陆服务的一周在印度一直没有空闲时间。每天，仍有很多人添加她的微信，迫不及待地问她，"疫情对印度现金贷款有什么影响？"印度还能用现金贷款做什么？"

In China, the week of providing landing service in India has not been able to spare time. Every day, many people still add her wechat, and can't wait to ask her, "what impact does the epidemic have on Indian cash loans?" "What else can India do with cash loans?"

周小川只能重复同一句话："目前，建议我们先观望印度疫情的发展趋势，再做决定。"

Zhou can only repeat the same sentence: "at present, it is suggested that we wait and see the trend of the epidemic in India before making a decision."

很多从业者都看好这场疫情作为短期事件，有人高喊口号"疫情过后，印度仍是现金贷款天堂！"有人认为，疫情对印度市场可能是好事，"以前市场太热，现在疫情正在降温，这有利于行业的长远发展。"

Many practitioners are optimistic about the epidemic as a short-term event, some people chanted the slogan "after the epidemic, India is still a cash loan paradise!" Some people think that the epidemic may be a good thing for the Indian market, "before the market was too hot, now the epidemic is cooling down, which is conducive to the long-term development of the industry."

当时，没有人想到印度会发生比疫情更"黑天鹅"的事件。今年4月，印度政府发出通知，修改现行的外国直接投资政策（FDI），这意味着中国在印度的每一笔投资都必须得到政府的批准。

At that time, no one thought that India would have a more "black swan" event than the epidemic. In April, the Indian government issued a circular to revise the existing foreign direct investment policy (FDI), which means that every Chinese investment in India must be approved by the government.

更重要的是，这份文件没有明确规定审计标准，这意味着印度可能不打算批准任何中国投资。面对印度政府"不欢迎中国投资"的态度，谁也不知道这只监管之手会伸多久。

More importantly, the document does not specify the audit criteria, which means that India may not intend to approve any Chinese investment. In the face of the Indian government's attitude of "not welcoming Chinese investment", no one knows how long this regulatory hand will be extended.

抵制滴答声

Tiktok boycott

陈孔和他的团队成员坐在办公室里，一边抽烟一边叹气。他们唯一的选择就是继续观望——他们前期投入了大量资金，现在离开太可惜了。"反正他们现在放不出钱，还是等着看吧。"

Chen Kong and his team members are sitting around the office, smoking cigarettes and sighing. Their only choice is to continue to wait and see - they have invested a lot of money in the early stage, and it's too bad to leave now. "Anyway, they can't release the money now, so it's better to wait and see."

等待是当时修行人最常提到的词，但不是每个人都能忍受等待。

Waiting is the word most frequently mentioned by practitioners at that time, but not everyone can stand waiting.

虽然生意停了，支出也没停，但团队、房租等都是浪费的钱流出来的。在部分现金贷款中，甲方暂停贷款后，乙方业务发生变化。它想从那些来印度借钱的人那里挣钱。没有他们做不到的业务，比如注册公司、提供金融和税务服务、支付短信，或者打包出售他们购买的贷款系统。

Although the business stopped and the expenditure did not stop, the team, rent and so on were all wasted money flowing out. In some cash loans, after Party A has suspended lending, Party B's business has changed. It wants to earn money from those who have come to India to lend. There is no business that they can't do, such as registering companies, providing financial and tax services, paying short messages, or packaging and selling the loan system they bought.

陈孔曾经鼓励球队出售系统创收，"一个系统奖励5万"，但他显然不是唯一一个。

Chen Kong once encouraged the team to sell the system to generate income, "a system reward 50000", but he was obviously not the only one.

陈孔曾经在群里做广告，和群友聊天。他发现对方是被生活逼着卖系统的。他只是想知道这个消息。更重要的是，他们甚至买了同样的系统。

Chen Kong once advertised in a group and chatted with his group friends. He found that the other party was forced to sell the system by life. He just wanted to find out the news. What's more, they even bought the same system.

当草原上没有足够的羊时，饥饿的狼会互相吞噬。作为猎人，放贷者的本性是不断寻找新的猎物。

When there are not enough sheep on the grassland, hungry wolves will devour each other. As hunters, it is the nature of lenders to keep looking for new prey.

在国内打击现金贷款之初，他们转向地下市场，推出714门高射炮和贷前超级，将现金贷款升级为超利息贷款，将现金贷款的生命周期延长一年，并在出境前将国内最底层借款人的价值彻底抽干。

At the beginning of the domestic crackdown on cash loans, they turned to the underground market, launched 714 anti-aircraft guns and pre loan super, upgraded cash loans to super interest loans, extended the life cycle of cash loans by one year, and completely drained the value of domestic bottom borrowers before leaving the country.

同样的故事也开始在印度上演。

The same story is starting to unfold in India.

拉米纸牌游戏

Rummy card game

拉米是一种纸牌游戏，类似于麻将。在同一点由3或4套卡片组成，或形成不少于3套同花顺卡片。最后，牌数最少的玩家获胜。梦幻体育是一款在线体育游戏。运动员根据自己对运动项目和运动员在现实中的理解，建立虚拟团队，并根据运动员在现实项目中的表现，将分数转化为分数，与其他运动员竞争。

Rummy is a kind of card game, which is similar to mahjong. It consists of 3 or 4 sets of cards at the same point, or forms no less than 3 sets of flush cards. In the end, the player with the lowest number of cards won. Dream sports is an online sports game. Players build a virtual team according to their understanding of sports events and athletes in reality, and convert the scores into scores according to the performance of athletes in real events, so as to compete with other players.

2019年，毕马威和ifsg联合发布报告指出，真金游戏收入占印度网络游戏市场总收入的55%-60%，玩家支出约17.3亿美元。然而，在印度，大多数声称玩真金游戏的人其实并不玩真金游戏，而是找到了一套完善的赌博法律法规。

In 2019, KPMG and ifsg jointly released a report, which pointed out that the revenue of real gold games accounted for 55% - 60% of the total online game market in India, and the player's expenditure was about $1.73 billion. However, most of the people who claim to play real gold games in India actually do not play real gold games, but find a perfect and legal code for gambling.

但真正的黄金游戏和现金贷款之间有什么关系呢？例行公事，到头来都是一样的。

But what's the relationship between real gold game and cash loan? Routine, in the end will be the same way.

至少有一半的现金贷款从业者转向真正的黄金游戏。当然，他们的目的都是赌博。贪婪和疯狂的基因刻在这些掠食者的细胞里。除了赌博，没有别的生意能满足他们对金钱的渴望。

At least half of the cash loan practitioners switch to the real gold game. Of course, they are all aiming at gambling. The genes of greed and madness are engraved in the cells of these predators. Apart from gambling, there is no other business that can satisfy their desire for money.

印度人在网上玩真金白银

Indians play real gold online

陈空的团队也对真金游戏进行了研究。深入了解后发现，正规的真金游戏有一定的门槛，没有相关经验很难进入市场。他没想到的是，赌徒们在里面也有收获的念头。

Chen Kong's team has also done research on real gold games. After in-depth understanding, it is found that there is a certain threshold for formal real gold games, and it is difficult to enter the market without relevant experience. What he didn't expect was that the gamblers also had the idea of harvesting inside.

著名的真金游戏运营商来到陈孔家门口，让他把用户引导到自己的盘子里。这两个用户有很高的重叠度，可以形成一个"借贷游戏借贷"的闭环。即使最终交易者的板块周期很长，用户支付不起，经过前几轮的收割，赚取的利息已经覆盖了成本和风险。

Famous real gold game operators come to Chen Kong's door and let him direct the users to his own plate. The two users have a high degree of overlap and can form a closed loop of "lending game lending". Even if, in the end, the trader's plate cycle is long and the user can't afford to pay, after the previous rounds of harvesting, the interest earned has already covered the cost and risk.

从未直接接触过放贷业务的周晔，也成为了真金游戏收获链的一员。

Zhou ye, who has never been in direct contact with the lending business, has also become a member of the harvest chain of the real gold game.

一家大公司的项目组成员来找她，说她想收购公司的一个主体，成为一家电子商务公司。在确认对方身份后，周某也同意合作，并提出由两名印度人担任公司董事。结果该业务上线后不久，该公司账户因违规被冻结。

A member of the project team of a large company came to her and said that she wanted to buy a main body of the company to be an e-commerce company. After confirming the identity of the other party, Zhou also agreed to cooperate and offered two Indians to serve as directors of the company. Results shortly after the business went online, the company's account was frozen due to non-compliance.

周某此时也发现，对方所做的表面上看起来像是一个电子商务网站，但却暗藏着赌博游戏"红绿球"的入口。用户可以通过网站赌彩参与网上赌博。该平台在后台控制面板，设置每个用户赢钱的概率，肥育后收获。

Zhou also found out at this time that what the other party did on the surface looked like an e-commerce website, but it secretly hid the entrance of the gambling game "red and green ball". Users can bet colors through the website to participate in online gambling. The platform controls the panel in the background, sets the probability of each user to win money, and harvests after fattening.

因为这件事，周还和那些建立了微弱信任感的印度人吵架。说到这里，她感到很无助。"没想到，大公司也在海外做这些见不得人的生意。"

Because of this business, Zhou also quarreled with the Indians who had managed to build up a weak sense of trust. Speaking of this, she felt helpless. "I didn't expect that big companies were also doing these shady businesses overseas."

真金游戏和现金贷款的共同点是用户的重叠。很多需要在网上借高利贷的人都是赌徒。赌徒的冲动是放贷人实现技术改造的基础。

The common point of real gold game and cash loan is the overlapping of users. Many of the people who need to borrow usury on the Internet are gamblers. The impulse of gamblers is the basis for lenders to realize technological reform.

据业内人士透露，目前在印度做常规黄金游戏的中国公司约有70-80家，至少有100家赌博公司。

According to industry insiders, there are about 70-80 Chinese companies doing regular gold games in India, and at least 100 gambling companies.

一个中小板前两个月能赚近百万元。虽然不及现金贷款的巨额利润，但与1000万的现金贷款投资相比，利润还是相当可观的。

A small and medium-sized plate can earn nearly one million yuan in the first two months. Although it is less than the huge profits of cash loan, the profit is still considerable compared with the 10 million investment of cash loan.

城关后，陈孔组织团队开会，讨论重开商业。半年来笼罩在他们脸上的悲伤渐渐褪去，会议的气氛也不再沉闷。你和我在这里讨论了如何推广和在哪里扩大客户。随着印度经济的逐步复苏，关于现金贷款数据逐渐好转的传言层出不穷。许多幸存的团队打算恢复贷款。

After the closure of the city, Chen Kong organized a meeting of his team to discuss the reopening of the business. The sadness that shrouded their faces for half a year faded, and the atmosphere of the meeting was no longer dull. You and I here discussed how to promote and where to expand customers. With the gradual recovery of India's economy, there are endless rumors that the data of cash loans are gradually improving. Many of the surviving teams intend to resume lending.

幸免于难的喜悦转瞬即逝。中国人罗桑被捕的消息再次令整个印度海事界恐慌。

The joy of surviving the disaster was fleeting. The news of the arrest of Chinese Luo Sang made the whole Indian maritime circle panic again.

罗桑在印度开了一家地下银行，有40多家空壳公司洗钱。就在他被捕的第二天，印度警方逮捕了支付公司dokypay的中国创始人和三名印度雇员，罪名是最近几起与网络赌博有关的自杀事件。

Luo Sang opened an underground bank in India with more than 40 shell companies for money laundering. Just the day after his arrest, Indian police arrested the Chinese founder and three Indian employees of dokypay, a payment company, for several recent suicides related to online gambling.

印度执法机构调查赌博申请

Indian law enforcement agency investigates gambling applications

印度支付企业开始在自有渠道核查中国企业业务，提高对接门槛，大量真金游戏和无牌现金贷款平台账户被冻结。

Indian payment companies began to check the business of Chinese companies in their own channels, raised the threshold of docking, and a large number of real gold games and unlicensed cash loan platform accounts were frozen.

真金游戏的崩溃只是借钱大军的一个插曲。只要有利可图，总有人愿意冒险。这次冒险带来了一支规模更大的借贷队伍。

The collapse of the real gold game is just an episode of the lending army. As long as it is profitable, there are always people who are willing to take risks. This adventure has brought about a larger lending Corps.

2020年5月，大量曾经在中国做714高射炮的人开始涌入印度，开始贷前超级收费，这是中国流行的会员前收费模式。用户下载贷前超级收费后，需要缴纳会员费才能获得贷款信息，但并不保证贷款成功率。

In May 2020, a large number of people who used to do 714 antiaircraft guns in China began to pour into India to start pre loan super charging, which is the popular pre member charging mode in China. After downloading pre loan super charging, users need to pay membership fee to get loan information, but it does not guarantee the success rate of loan.

在中国，这种模式只有在现金贷款到期时才出现。当时，714高射炮打不下去了，于是有人想做贷前超抽用户最后一滴血。不过，印度的现金借贷业仍处于起步阶段。过度的预贷款将加速该行业的透支。

In China, this model only appeared when the cash loan had reached the end. At that time, the 714 antiaircraft gun could not go on, so some people wanted to do the pre loan super to drain the last drop of blood of users. However, India's cash lending industry is still in its infancy. The excessive pre lending will accelerate the overdraft of the industry.

前端超贷系统业务给出的数据足以证明这是一个牟取暴利的业务，"10万个系统，10万个流量费，可以看到运营当天的收入，一个系统，月收入100W。"

The data given by the front-end super lending system business is enough to prove that this is a profiteering business, "100000 systems, 100000 flow fees, you can see the income on the day of operation, a system, monthly income of 100W."

前端系统提供商给出的盈利模式

Profit model given by front end system provider

是的，正如你所知，本质上，预借是欺骗。

Yes, as you know, in essence, pre lending is cheating.

谷歌应用商店的评论部分充斥着用户的抱怨，抱怨他们在付款后无法获得贷款。由于用户投诉太多，很多贷前产品无法投放到谷歌应用商店。他们还有一个"华丽升级"——将贷前产品伪装成现金贷款产品，将会员费打包成信用报告费，用户只要支付，就可以增加贷款额度。但最终大部分成绩都是0分配额，收取的费用，当然不会退还给你。

The comments section of Google's app store is full of users' complaints about being unable to get a loan after paying. Due to too many complaints from users, many pre loan products can't be put on the Google App store. They also have a "gorgeous upgrade" -- disguise pre loan products as cash loan products, package membership fees as credit report fees, and users can increase the amount of loans as long as they pay. But in the end, most of the results are 0 quota, the fees collected, of course, will not be refunded to you.

贷前超级银行繁荣的背后，是出借国从未放弃印度这块"肥肉"。随着形势的发展和FDI政策的调整，现金贷款的实施难度越来越大。但是，前端贷款只需要一个公司机构，并且可以在线进行支付。据当地统计，截至2020年9月，印度现金贷款约有30-40笔，而前端贷款突然增加的数量接近300-500笔。

Behind the prosperity of the pre loan super is the fact that the sea lenders have never given up on the "fat meat" of India. With the epidemic situation and the modification of FDI policy, it is more and more difficult for cash loans to be implemented. However, only one company body is needed for the front-end loan super, and the payment can be launched online. According to the local statistics, as of September 2020, there are about 30-40 cash loans in India, while the sudden increase in the number of front-end loans is close to 300-500.

真金游戏和贷前超级的泛滥，无疑只会加速达摩克利斯剑的倒下。一想到前景，陈空就感到头痛，"如果再这样下去，这个行业迟早会被毁掉，然后才会复苏。"

The proliferation of real gold games and pre loan super will undoubtedly only accelerate the fall of Damocles' sword. As soon as he thinks about the prospect, Chen Kong feels headache, "if this goes on, the industry will be ruined sooner or later before it recovers."

周小川也曾与这类平台有过短时间的业务往来。她听到对方谈论如何使用暴力催收手段，迫使还款能力低的债务人还钱。挂断电话后，她感到她的手在轻轻地颤抖。"我太让人毛骨悚然了，她觉得给他们打电话不安全。"

Zhou also had business contacts with such platforms for a short time. She heard the other party talk about how to use violent collection methods to force debtors with low repayment ability to pay back their money. After hanging up the phone, she felt her hand trembling gently. "I was so creepy that she didn't think it was safe to call them."

疯狂的后果正在逐渐显现。印度媒体暴力收集的报道越来越多，包括电话簿爆炸、言语侮辱、威胁、裸照，甚至对女性用户的性骚扰。所有这些都和中国发生的完全一样。

The consequences of madness are gradually emerging. The reports of violent collection in Indian media are increasing, including phone book explosion, verbal insults, threats, naked photos, and even sexual harassment of female users. All these are exactly the same as what happened in China.

一个女孩被暴力收留后企图自杀

A girl tried to commit suicide after being violently collected

但疯狂的放贷者不会受到媒体批评的约束。市场拓展期是收获期。中国人收获中国人，中国人收获印度人，印度人依次收获中国人。没有文明或秩序可言。

But the crazy lenders will not be restrained by the media criticism. The market expansion period is a hot harvest period. The Chinese harvest the Chinese, the Chinese harvest the Indians, and the Indians harvest the Chinese in turn. There is no civilization or order to speak of.

在努力与印度人沟通之后，周恩来还决定停止提供印度导演的服务，把来找她帮忙找印度导演的所有企业介绍给另一位同事。外商直接投资政策修订后，中国人不能成为印度公司的股东和董事，只能购买有印度董事的空壳公司。

After struggling to communicate with Indians, Zhou also decided to stop providing the services of Indian directors and introduce all the businesses that came to her to help find Indian directors to another colleague. After the revision of the FDI policy, Chinese can not be shareholders and directors of Indian companies, but can only buy shell companies with Indian directors.

但问题是，这些印度董事与中国放贷机构的合作并不是很好。"很多印度人只是认为中国人很愚蠢，而且有很多钱。从一开始，他们就和你合作骗钱。他们根本不信任中国人。"

But the problem is that these Indian directors don't really work well with Chinese lenders. "Many Indians just think that Chinese people are stupid and have a lot of money. From the beginning, they cooperated with you to cheat money. They don't trust Chinese people at all."

"黑吃黑"的故事开始展开。印度人被骗成为中国公司的董事。当他们发现在中国有非法经营时，他们冻结了公司的账户，并吞了钱。

The story of "black eating black" began to unfold. Indians were tricked into becoming directors of Chinese companies. When they found that there was illegal operation in China, they froze the company's accounts and swallowed the money.

去年底，赴印现金贷款从业人员准备在杭州举办"金融科技赴印"论坛。论坛活动之一是"行业自律提案联署"。在他们签署这项协议之前，印度现金贷款的多米诺骨牌已经开始瓦解。

At the end of last year, cash loan practitioners going to India were preparing to hold a forum called "financial technology going to India" in Hangzhou. One of the activities in the forum was "joint signing of industry self-discipline proposal". Before they can sign this agreement, the dominoes of India's cash loan have begun to collapse.

随着剧作家阿比舍克的去世，打击中国现金贷款的风暴迅速蔓延，首先是收款公司，其次是现金贷款公司，然后蔓延到各类黑灰公司。最后，只要有关联，就会先抓人，然后慢慢调查案件。

With the death of the playwright abischek, the storm of cracking down on China's cash loans spread rapidly, starting with the collection companies, followed by the cash loan companies, and then spread to all kinds of black and gray companies. Finally, as long as there is a correlation, people will be arrested first, and then the case will be investigated slowly.

自杀剧作家

Suicide dramatist

一名与周晔相熟的工厂老板因向格雷工业公司出售印度电话卡而被印度警方逮捕，目前尚未获释。

A factory owner who was familiar with Zhou Ye was arrested by the Indian police for selling his Indian telephone card to the gray industry company, and has not been released yet.

在警方和舆论的双重压力下，谷歌应用商店删除了500多个现金贷款应用程序，razorpay和paytm等印度支付公司也被禁止与中国现金贷款公司对接。

Under the dual pressure of the police and public opinion, more than 500 cash loan apps were removed from Google App store, and Indian payment companies, such as razorpay and paytm, were also prohibited from docking with Chinese cash loan companies.

中国的现金贷款申请在印度被贴上了"非法"的标签。印度人开始拒绝还款，逾期利率飙升。那些没有被抓的现金贷款公司，坏账泛滥，很难继续经营下去。

China's cash loan application is labeled as "illegal" in India. Indians begin to refuse to repay, and the overdue rate soars. Those cash loan companies that have not been caught are inundated by bad debts, and it is difficult to continue their business.

这是印度之旅的终点。陈孔的团队终止了在印度的业务。幸运的是，雷雨时他们刚刚上线，并没有造成很大损失。

This is the end of the journey to India of the sea lenders. Chen Kong's team terminated its business in India. Fortunately, they had just been on the line at the time of thunderstorm, and they did not make a big loss.

赚钱的人很难放弃。

It's hard for those who make money to quit.

大量公司账户被冻结；许多中国公司的印度董事利用禁令的势头，直接把中国公司账户中的钱跑掉；一些支付公司只要是中国公司的账户，就冻结了中国公司的账户，钱还没回来。

A large number of company accounts have been frozen; many Indian directors of Chinese companies have taken advantage of the momentum of the ban and directly run away the money in the accounts of Chinese companies; some payment companies have frozen the accounts of Chinese companies as long as they are accounts of Chinese companies, and the money has not come back yet.

周还说，他认识的几乎所有客户都很辛苦，"那些告诉我去年赚了很多钱的客户最后都赔钱了。"

Zhou also said that almost all the customers he knew had a hard time, "the customers who told me they made a lot of money last year all lost money in the end."

在中国和印尼上演的闹剧在印度以两倍的速度重演。事实上，这一切都有痕迹。早在今年4月，印度媒体就开始曝光中国的现金贷款平台。直到去年12月，印度媒体对中国现金贷款公司的关注从未停止。

The farce staged in China and Indonesia is repeated in India at twice the speed. In fact, there are traces of all this. As early as April, Indian media began to expose China's cash loan platform. Until December, Indian media's attention to China's cash loan companies has never stopped.

中国人被印度警方逮捕

Chinese arrested by Indian police

在他真正决定放弃这个市场后，陈孔才回忆说，他在印度的日子里，有太多影响很大的信息，导致他逐渐失去了敏感性。"其实，我当时就感觉到了，但没想到这么快就来了。"

After he really decided to give up this market, Chen Kong Cai recalled that during his days in India, there were too many information with strong impact, which led to his gradual loss of sensitivity. "In fact, I felt it at that time, but I didn't expect it to come so soon."

沉默了一段时间后，周还发现，人们开始问她墨西哥的情况，问她是否有当地资源。许多印度海群直接改名为墨西哥海群。他们曾经是印度市场的坚定支持者，现在却为墨西哥鞠躬欢呼。

After a period of silence, Zhou also found that people began to ask her about Mexico, asking if she had local resources. Many Indian sea groups directly changed their names to Mexican sea groups. Once a staunch supporter of the Indian market, they are now turning their bows to cheer for Mexico.

显然，墨西哥是下一个淘金热。没有人知道同样的故事是否会在墨西哥再次发生。换句话说，它将以什么样的速度再次上演。

Clearly, Mexico is the next gold rush. No one knows if the same story will happen again in Mexico. In other words, at what speed will it be staged again.

中国的现金借贷力量已经从东南亚转移到印度，从印度转移到南美。

China's cash lending force has shifted from Southeast Asia to India and from India to South America.

"现金贷款从来不缺新战场，钱不睡觉。"

"Cash loans never lack a new battlefield, money never sleeps."

Link：https://new.qq.com/omn/20210420/20210420A0B6EA00.html

update time：2021-04-21 14:29:09