billion shopping fear has closed, the incident continues to ferment more than 20 banks affected

In early June, the media exposure of the largest domestic credit card installment shopping platform billion hundred shopping may have closed, after the incident continued to ferment, many consumers and more than 20 banks were affected.

A few days ago, the securities daily reporter learned from people familiar with the matter, billion shopping has been in Beijing Haidian Court bankruptcy, and the amount of the remaining accounts and other informative situation is still unclear, there is no relevant determination of the disposal plan.

As of now, billion shopping still do not have any response to this matter. And on the QQ platform, many consumers spontaneously organized a few "hundred million shopping demanding group" rights, the current group members have nearly thousands of people, they are in billion shopping network after a single, encountered the "rotten tail" incident.

Some of the banks in the case are just paying roles, while others have built an online mall with hundreds of millions of shopping and are taking responsibility for different things, the person said. As for the specific banks and hundreds of millions of shopping there is a "close" relationship, the person on the basis of trade secrets refused the "securities daily" reporter's inquiries. So, billion shopping announced bankruptcy, and hundred million shopping together built online mall, stained with "nepotism" of the Bank is afraid to be blamed.

"According to the legal procedure, after the bankruptcy of the company, it will pay the workers ' wages and the corresponding taxes, then repay the debts and the debts cannot be repaid in proportion," said Du Yan, a researcher of the investment consultant retailing industry. In the case of hundreds of millions of shopping failures, it would be highly probable that the customers and suppliers would not be able to recover the principal, and the bank would not be too much responsible. ”

Banks play different roles

As a result of the sensitivity of hundreds of millions of shopping events, many of the banks have been interviewed by reporters, or are awaiting the outcome of the court hearings or simply refused. However, to the reporter's surprise, a person familiar with the matter said: "For the billion shopping, each bank plays a different role." He said: "Some banks only play the role of payment, while some banks and billion-hundred shopping together to build the company's online mall, so for this matter, the responsibility of each bank is different, can not generalize." "and the specific number of banks and hundreds of millions of shopping has a" close "relationship, the person declined to disclose.

The public information that can be found is, billion shopping since March 2008 signed the first bank-Minsheng Bank, has signed large and small more than 20 banks, in addition to Bank of China, Agricultural Bank, ICBC, Construction Bank, Bank of communications five major lines, but also including Merchants Bank, Citic Bank, Guangdong Development Bank, Ping An bank, Industrial Bank, Ningbo Bank, Beijing Bank, Shenzhen Development Bank, Bohai Bank, Zhejiang Merchant Bank, Taizhou Bank, Zhejiang Tyrone Bank and Hangzhou Bank.

According to the reporter understands, hundred million shopping and the bank cooperation process is, the credit card user chooses the product by the telephone or the login website, after orders the payment with the credit card and the automatic installment. After the bank will make money to hundreds of millions of shopping, hundreds of millions of shopping will be sent to customers, customers in accordance with the amount of instalments per period on time repayment to the bank. According to the bank's process, as the consumption has been credited to the credit card bill from the stage of completion, even if the product has not been received, the consumer will be repaid to the bank on time.

Hundreds of millions of shopping and banking cooperation There are also a number of models, some banks started without their own online mall, through the cooperation with billion shopping mall. So some users until now also think that they are in the bank to buy something, do not know how billion shopping played a role. For this model, according to common sense, billion hundred shopping should be to the bank to pay a certain margin, accidents, banks can use margin first to pay. Another mode is that banks and billion shopping cooperation is limited to the payment link, the bank provides is the credit card installment this kind of settlement way, with the customer goes to the shopping mall to buy things by credit card or pay cash. If the goods provided by the shopping malls are out of order, consumers should find a market to negotiate.

Beijing lawyer Xu Guilin that in the process of consumption, the consumer and the bank is a credit relationship, the bank as a creditor, has the right to demand repayment of consumers. Consumers and hundreds of millions of shopping in fact there is a consumer contract, billion shopping can not be normal performance of the contract, to provide the goods required by the contract, to bear civil liability. But the consumer cannot because hundred million shopping bankrupt, did not receive the goods the reason refuses to return the bank arrears, otherwise also defaults.

In the case of hundreds of millions of shopping "to the Hand", as an intermediary of the bank is caught in the consumer's critics, the banks reacted is different.

According to our correspondent, BOC has already paid for the consumer.

Agricultural Bank of the head of the foreign said, in the billion shopping bankruptcy liquidation before the end, customers and hundreds of millions of shopping disputes between the amount of money, Agricultural bank temporarily does not collect. The Bank of China headquarters, said, has ceased to work with the Beijing billion shopping order business cooperation, is currently verifying customer damage, and for a full refund matters.

Merchants Bank Credit Card center in charge of the reporter said, "is currently active and billion-million shopping communication to resolve the matter, the relevant customers are also doing registration processing." He also stressed: "China Merchants Bank in the incident accounted for a small share, but also only the role of a payer, soon there will be a solution. ”

In fact, for hundreds of millions of shopping, the bank is also very helpless. The head of a bank credit card center said to reporters: "This is like consumers in shopping malls or Taobao shopping, shopping after the discovery of problems, but consumers now ask the payer to compensate for their losses, theoretically unreasonable." Banks play the role of payers only. ”

Consumers and banks may share responsibility

"Now only wait, billion hundred shopping has been declared bankrupt, many banks are in the supervision and other departments to solve the argument, the bank involved in the efforts of communication, there is no plan." "A bank related person in charge to this reporter said.

Reporter learned that consumers in the purchase of consumer goods at the same time, using the installment payment method, and this also with billion shopping positioning "credit card stage shopping platform" positioning has a direct relationship.

Consumer Miss Zhang is through the introduction of the bank bill to know hundreds of shopping, he was in the end of May by instalments to buy a iPhone5. But after a long delay the goods arrived. Miss Zhang told reporters that the matter was very helpless: "I hope the bank can make a difference, the reason for choosing the stage is because we are working-class, if the rich people will not do a phased to buy things." ”

In April, Mr. Wang of Guizhou had ordered a Samsung mobile phone with a bank's cooperation hotline through billion shopping. Credit cards are now phased out, and the shadow of the phone has not yet been seen.

"The reason why we choose billion shopping is because we believe in the recommendation of the bank." Many defenders say so.