In the past few days, with the explosion of P2P and financial, the Fibonacci router '0 yuan purchase' routine has sparked focus.
The Beijing News reported that since 2016, the sales of electronic products such as routers, body fat scales and TV boxes have begun to launch the '0 yuan purchase' model, and consumers will cash back through the joint financial app, such as repurchasing. Investing in the financial platform of the joint venture. Under the model of tying financial products to physical commodities, the company has obtained a large amount of investment, and the sales of Fijian products have also soared. In the recent '6·18' big promotion, Fei The news sold 700 million yuan. But on the next day, investors found that the financial difficulties of the company were difficult to pay, and regular investment and demand deposits could not be withdrawn.
After the outbreak of the joint venture, Feixun '0 yuan purchase' products were removed from the platform of many mainstream e-commerce and retailers. Many people sought information on the enterprises and e-commerce platforms. The platform involved said that they are just Fiji. The sales platform of hardware products has never had any form of cooperation with Fiji's related internet financial platform, and has never led consumers to invest in the platform.
The question is: In this incident, who should be responsible for the loss of the consumer?
Needless to say, the victim's luck is an important reason for Fibonacci's '0 yuan purchase' model. Risk and benefit coexist, this is the common sense of economics. Take the Fibonacci K2 router as an example, the original price of 399 yuan router can be 359 yuan to buy, activate K code can withdraw 399 yuan a month, the income in addition to the router generated 40 yuan, and K2 turnover price of 50 yuan or so, calculate, invest 359 yuan, a monthly income of almost 90. It is not surprising that the rate of return has attracted many 'wool parties' to join the speculative army.
You can find out with a little vigilance that the hardware price of Fiji K2 router is also tens of yuan. It is certainly not because of high technology content or good product quality. The key is to implement the essence of financial management with the product's guise. Under such a model, Fiji has not been able to call it a technology company, but a financial company that uses hardware as its gateway to operate its capital. The inextricable connection between Fiji and the company also proves this. point.
At this time, the e-commerce platform is not only the sales platform of Fibonacci products, but also the diversion portal of its '0 yuan purchase' model. Many consumers are starting to 'kick wool' on the basis of believing the platform. More straightforward Some said that the e-commerce platform is not so much about selling electronic products as selling financial products, but also introducing traffic and advertising for the P2P platform. The risk of the platform is also generated. Article 25 of the Advertising Law stipulates that investment in investment, etc. In return for the expected goods or service advertisements, there should be reasonable prompts or warnings about possible risks and risk liability.
It is difficult to say that the e-commerce platform for selling Fidelity products is not clear about the financial risks brought by the relevant sales activities. After the incident, Fiji also actively “endorsed” the e-commerce platform for consumers – consumers buy Fiji Intelligent After the hardware product, you can voluntarily choose whether to participate according to the activity rules, and it has nothing to do with any third-party sales platform. But it is difficult to clear the full responsibility for the e-commerce.
Article 37 of the third draft of the draft of the "E-Commerce Law" under discussion stipulates: The operator of the e-commerce platform knows or should know that the goods or services provided by the operators in the platform do not meet the requirements for the protection of personal persons, property safety, or other Infringement of the lawful rights and interests of consumers, if the necessary measures are not taken, the operators within the platform shall be jointly and severally liable according to law.
In the future P2P mode, similar to the Fibonacci's '0 yuan purchase' model will certainly appear, or change a 'painted skin' appears. In view of this, I hope that the relevant regulatory authorities need to clarify the responsibility of the e-commerce platform in the event, The defenders will give specific explanations and also set clear boundaries for e-commerce operations.