Internet financial "wool party" earning 50,000: platform love-hate-Internet banking, Lu Jin, P2P-IT information
"From tomorrow onwards, borrowing only treasure, p at night, other platforms a stop for the time being, the last few days I busy to marry. "In a group of nearly 1700 people, in addition to the Group of owners and administrators, other persons were banned, in borrowing before Bao, group as recently as March," while "Wan Lu Jin, MOSS and other platforms," sheep's head "Yang Sheng (a pseudonym) was recently prepared to rest.
It was just over 200,000 "wool party" ranks in the tip of the iceberg.
So-called "wool party", is refers to specifically select the Internet channel of offers promotions activities, to relative lower cost even zero cost for material Shang affordable of crowd, this a behavior was called "while wool", "sheep head" is "wool party" of led people, main is for group within "wool party" are provides various platform of offers information, even organization "wool party" are and platform negotiations, to get more of offers.
Starting in 2014, "wool party" will "pull the wool" turned the Internet financial and lending platform for P2P network for their love-hate. P2P platform with "wool party" entanglement of love and hate comes from "wool party" to platform gathering popularity, attract general investors at the same time, malicious group "to pull the wool", discrediting platform runs on platform of, inducing phenomenon. On March 21, the melted gold, credit card, online banking, Tang Xiaoseng and other Internet businesses of finance declared that he was "to pull the wool" of the victims.
IT Times reporter in more than 10 a "wool party" of group in lurking has for more than a months Hou found, this unique of groups in the cohabitation, rallying cry will has million people response of "sheep head" and mass information designed cheat novice of "master" coexist, earning 350,000 yuan of career "wool party" and playing a gun for a place of primary "wool guest" interests roll wrapped around.
In 2016, when the monitor when you step closer and closer to P2P platforms, when a P2P platform will "die" policy or detonator (payment difficulties that have arisen), pizhibucun hair adhere to, but not the "wool", "sheep's head" for the future, mixed emotions.
Junior fleece party
Everywhere are traps
Search the QQ "P2P pull wool" plethora of dazzling wool group, press successively joined the group after the discovery of more than 10 wool, almost every group in the crazy recommended P2P platform, did not stop for a moment. If anyone in the group to speak, will soon be overwhelmed by next, Exchange can only direct message.
Only if you are registered on their information in a number of different platforms, gets new award or Dan Gao rates, cannot be regarded as a true "wool party." Typically, the "wool party" following "sheep's head" registered under the "sheep's head" invitation link to the registration of a new customer, you can get extra rewards from a P2P platform.
In a "pull the wool" QQ groups, journalists to one of constantly sending information "sheep's head" made a direct message, expressed the wish to do, each other soon has sent more than 10 P2P platform promotions, and mark invite code or link.
Attending Lu Jin tie registration card 1 to 50 activities, through the other links after successful registration, 50 Yuan reward in the next months to other accounts, and by the other to reporters.
When journalists are questioning "sheep's head" would give specific incentives when they change back, a new group of investors began to complain in the group, said he had just finished registering, being black, but soon, his complaint was inundated with new a platform information, and in this case, is often the thing in the Exchange group.
In another QQ Group, when reporters "newcomers seeking to pull the wool" will, was quickly contacted the reporter says, "while wool is technical work, the couple must master, apprenticed to charge 500 Yuan, send QQ messaging software, can replicate their 470 Group friends to me, invest the rebate than general investment higher. "Another group of friends of the apprentice is 18.88 Yuan, but software equipment, into one big group, copy, friends are subject to charges.
"It's promoting scalping group, mature ' wool party ' is not in this group, it is easy to fool, the second is good, recommended platform explosive mines. "A cat named (not his real name)" wool "told the times of the IT press, carried only a year, his one-month wool income has been stable at between 30,000 and 50,000 yuan, an average allocation of funds in the 40-50 platform. In his view, the primary "wool party" through keyword searches to wool group, risk concentration of the outbreak, everyone is a shot-for-shot, almost without any protection.
Worsted wool party
Platform invites us to "pull"
Search for in the search engines "wool website", appeared in front of a reporter for the times-IT is a long list of wool information website, always updated with the latest information on activities every day, and advertising platform business. These sites have QQ Group, the main group for webmasters, because group owners with an internal group group to pull the wool, also known as the head of the. In these QQ groups, add group need to sign, platform for the promotion of information made by the Group of friend or who, once identified, would be kicked out immediately.
"High ' wool party ' are divided into two classes, one with multiple accounts, and multiple sets of information (identity cards, bank cards, mobile phone number and other personal information), using various technological products bulk operation repeat, ' pull the wool ', slightly derogatory; the other is the real" wool "investors can avoid the risk themselves, with small investments to obtain maximum benefits. "A wool information website owners bitter tea (not his real name) told the Times reporter IT.
5:30 P.M. to 6 every day, bitter tea statuary to update website information, though he has gradually shifted their focus back to their jobs, but once you have the item, he can still call on nearly 5,000 "wool party."
Although some platforms call themselves "wool party" victim, but in fact, the " Platform for the data look good, will take the initiative to ask us to pull the wool '. Sometimes research platform of the rules of the game, called state their identities welcome us, negotiate prices together ' collected '. ”
According to bitter tea said, head of the P2P platform for exclusive links, according to the head of the registration, the number of investment rebate is the unspoken rules of the industry, but in order to maintain the "wool group" bitter tea each recommend a platform or will carry out a detailed study, positive and negative information are posted on the enterprise groups, with Group friends of their choice.
"Small line builds, large roll kills and strong line, and platform collapse, run, ' pull the wool ' being ' pull ' examples abound. Team is relying on the integrity and prestige of slowly accumulated, make money after all not thank me but once recommended platform with an accident, involving large sums, this mission would have collapsed. "Bitter tea said.
"Sheep's head" orders collective margin was "stepped on mines"
"Does exist within the industry in order to brush business metrics through promotions, marketing tools to attract ' wool parties ' participation, but ' wool party ' investment is a long-term investment, and their loyalty to the platform and mobile. If ' wool party ' come and go suddenly, caused a real deal dismal, causing more serious knock-on effects. Platform be the rejection, announced to boycott ' wool party '. "Net lending's CEO told the Times reporter IT.
On April 7, issued against "wool party" announcement of platform staff as IT was reluctantly told Times reporter: "' wool party ' group therefore, is equivalent to platform marketing Boondoggle, we think a month short, they feel that long. Platform is not what to say, worried about ' wool party ' will be posted on third party platforms, exposed to malicious negative, rioting to avenge the platform. ”
The other hand, the conflicting interests of indescribable because of platforms, "wool party" like the stock market, market, middle-level buyers, retail fallback. "Platform and ' wool party ' is not as simple as public understanding of the relationship between. In 2014, the head of because we think highly of a platform, number of ' wool Party voted for this platform. But in fact, informed people know, the head of the Organization in the inner core of the group members contributed 6 million up to the platform gap, maintaining normal platform operation, then new to disk access, but later, platform is running. "Bitter tea said.
"Wool party" really be able to prop up or bring down a platform, bitter tea with Shi Pengfeng to reporters expressing the same view: the platform has problems of its own, might collapse.
Check fleece party
A war without gun smoke
On the platform, the "wool party" is like a drug, with more addictive, there will be side effects, the most healthy way is to set up a rule to "fleece the party" get in the door. This process is in addition to the activities of the test platform design, also require external technical support.
But according to press reports, on different platforms, "wool party" attitudes vary widely, some reject all "wool party", while others suggested that inspectors acquiescence in small "wool party" into the platform.
Detection of external technology does not seem to be headed by the bitter tea "wool party" have a nature of impact. In bitter tea seems, "wool party" maximum of groups also is using a information of retail, real let he anxiety of is, regulatory sector on network loan industry of increasingly tightened, P2P prosperity behind of bubble appeared is may will will "wool party" of survival status exposed out, again plus this Ming two years platform may appeared of failed or merger tide, is may prompted to "while wool" living of "wool party" was anti-"while".
互联网金融“羊毛党”月入五万：平台又爱又恨 - 互联网金融,陆金所,P2P - IT资讯
“从明天起，只放借贷宝，晚上交单，其他平台暂时停一停，我这几天要忙结婚的事儿。”在一个近1700人的群里，除了群主和管理员，其他人均被禁言，在借贷宝之前，群里刚在3月份“薅”完陆金所、聚财客等平台，“羊头”杨胜(化名)最近准备休息休息了。
这只是全国20万“羊毛党”大军中的冰山一角。
所谓“羊毛党”，是指专门选择各互联网渠道的优惠促销活动，以相对较低成本甚至零成本换取物质上实惠的人群，这一行为被称为“薅羊毛”，“羊头”便是“羊毛党”的领头人，主要是为群内“羊毛党”们提供各种平台的优惠信息，甚至组织“羊毛党”们与平台谈判，以获得更多的优惠。
从2014年开始，“羊毛党”们将“薅羊毛”的目标转向了互联网金融，而P2P网贷平台们对他们又爱又恨。P2P平台与“羊毛党”的爱恨纠葛源于“羊毛党”在为平台聚拢人气、吸引普通投资客的同时，亦存在恶意组团“薅羊毛”、抹黑平台、诱发平台挤兑的现象。3月21日，融金所、借贷宝、网信理财、唐小僧等互联网金融企业公开表示自己是“薅羊毛”的受害者。
《IT时报》记者在十几个“羊毛党”的群里潜伏了一个多月后发现，这个独特的群体中鱼龙混杂，振臂一呼便有万人响应的“羊头”与群发信息专骗新手的“师傅”并存，月入三五万元的职业“羊毛党”和打一枪换一个地方的初级“羊毛客”利益滚缠。
2016年，当监管的脚步离P2P平台越来越近时，当一批P2P平台将“死于”政策或者爆雷(出现兑付困难)后，皮之不存毛将焉附，而没有了“羊毛”，“羊头”们对于未来，心怀忐忑。
初级羊毛党
遍地是陷阱
在QQ中搜索“P2P薅羊毛”，多如牛毛的羊毛群让人眼花缭乱，记者相继加入十几个羊毛群后才发现，几乎每个群都在疯狂推荐P2P平台，一刻也不停息。若有人在群里说话，很快就会被下一拨信息淹没，想交流只能私信。
如果仅仅是用自己的信息在一些不同的平台上注册，获取新手奖励或者首单高利率，还不能算是真正的“羊毛党”。通常情况下，“羊毛党”们都跟随“羊头”注册，根据“羊头”邀请链接注册的新客户，将可以从P2P平台方拿到额外的奖励。
在一个“薅羊毛”的QQ群里，记者给一位不停发平台信息的“羊头”发了私信，表示想做单，对方很快发来了十几个P2P平台的优惠活动，并标注邀请码或链接。
比如参加陆金所注册绑卡充1元返50的活动，通过对方链接成功注册后，50元奖励会在下个月发至对方账户，再由对方转给记者。
当记者正在质疑“羊头”是否会依约将奖励转回来时，一名刚进群的投资客在群里开始抱怨，称自己刚注册完，就被对方拉黑了，但很快，他的抱怨被新的一拨平台推荐信息淹没，而这种情况，在交流群中是常有的事儿。
在另一个QQ群，当记者表示“新人求带薅羊毛”的意愿时，很快有人主动联系记者称，“薅羊毛是技术活儿，新人必须由师傅带，拜师费500元，送QQ消息群发软件，可将其470个群的好友复制给我，投资返利也会比一般投资客更高。”另一群友的拜师费则是18.88元，但后期软件设备、入一首大群、复制好友均需另收费。
“这是推广刷单群，成熟的‘羊毛党’不会进这种群，一是容易被骗，二是鱼龙混杂，推荐的平台易爆雷。”一位名叫夜猫(化名)的“羊毛客”告诉《IT时报》记者，虽然仅入行一年，他一个月的羊毛收入就已稳定在3万至5万元，资金平均分配在40至50个平台。在他看来，初级“羊毛党”通过关键词搜索加入的羊毛群，是风险爆发的集中地，大家都是打一枪换一炮，几乎没有任何保障。
高级羊毛党
平台邀请我们去“薅”
在搜索引擎中搜索“羊毛网站”，出现在《IT时报》记者面前的是一长串的羊毛信息网站，每天时时更新最新活动信息，并与平台进行广告业务合作。这些网站都有相应的QQ群，群主多为站长，因群主多带内部群组团薅羊毛，亦被称为团长。在这些QQ群，加群需暗号，群友也不能私自发平台推广信息，一旦发现，会被立即踢出。
“高级‘羊毛党’也分两种类别，一类有多个账户、多套资料(身份证、银行卡、手机号等个人信息)，利用各类科技产品批量操作重复‘薅羊毛’，略带贬义；另一类是真正的“羊毛”投资人，能自我规避风险，以小投资来获取利益最大化。”一位羊毛信息网站的站长苦茶(化名)告诉《IT时报》记者。
每天下午5点半至6点，苦茶都会雷打不动地更新网站信息，虽然他已将重心渐渐转移回本职工作，但一旦有项目，他依然可以号召近5000名“羊毛党”。
虽然不少平台大呼自己是“羊毛党”的受害者，但事实上，“有的平台为了数据好看，会主动求我们‘薅羊毛’。有时我也会研究平台的游戏规则，打电话说明身份，欢迎我们的，就谈妥价格，大家一起‘薅’。”
据苦茶透露，P2P平台给团长专属链接，按注册、投资人数给团长返利是行业潜规则，但为了维护“羊毛群”，苦茶每推荐一个平台还是会进行详细考察，把企业正负面信息均发布在群里，让群友自己选择。
“小撸怡情、大撸伤身、强撸灰飞烟灭，平台倒闭、跑路、‘薅羊毛’反被‘薅’的例子比比皆是。团队是靠诚信及威望慢慢积累起来的，赚了钱大家不一定感谢我，可一旦推荐的平台出了事，涉及金额较大时，这个团就会轰然坍塌。”苦茶说。
“羊头”号令集体补仓却“踩雷”
“行业内确实存在为了刷业务数据指标，借助优惠活动、营销手段吸引‘羊毛党’参与的现象，但‘羊毛党’的投资并非长期投资，他们对平台的忠诚度低，流动性强。如果‘羊毛党’忽来忽去，会导致平台实际交易惨淡，引发更严重的连锁反应。有的平台不胜其扰，就发布公告抵制‘羊毛党’。”网贷之家CEO告诉《IT时报》记者。
4月7日，曾发布抵制“羊毛党”公告的某平台工作人员颇为无奈地告诉《IT时报》记者：“‘羊毛党’组团薅一次，相当于平台的营销费用打了次水漂，我们觉得一个月标短，他们觉得长。平台也不太好说什么，担心‘羊毛党’会在第三方平台发帖，恶意曝负面、闹事来报复平台。”
另一方面，因为与平台之间说不清道不明的利益纠葛，“羊毛党”也似股市，大庄托市，中层接盘，散户兜底。“平台与‘羊毛党’之间的关系并不像大众理解的那么简单。2014年，因为我们团长对某平台评价很高，许多‘羊毛党’都投了这个平台。但其实，知情的人都知道，团长在内部核心群里组织大家凑了600万给平台补资金缺口，维持平台正常运转，然后等新人来接盘，但后来，平台还是跑路了。”苦茶说。
对于“羊毛党”是否真能撑起或拖垮一个平台，苦茶与石鹏峰均向记者表达了同样的看法：平台本身有问题，才可能被拖垮。
阻击羊毛党
一场没有硝烟的战争
对平台而言，“羊毛党”就像毒品，用多了会上瘾，还会有副作用，最健康的方式是设置规则把“羊毛党”挡在门外。这个过程除了考验平台活动的设计艺术，还需要有外部技术支持。
但据记者了解，不同的平台对“羊毛党”态度千差万别，有的是拒绝所有“羊毛党”，有的则暗示检测人员默许小部分“羊毛党”进入平台。
外部技术的检测似乎并没有对以苦茶为首的“羊毛党”造成本质影响。在苦茶看来，“羊毛党”最大的群体还是使用一套资料的散户，真正让他焦虑的是，监管部门对网贷行业的日趋收紧，P2P繁荣背后的泡沫显现很可能会将“羊毛党”的生存状况暴露出来，再加上今明两年平台可能出现的倒闭或并购潮，很可能促使以“薅羊毛”为生的“羊毛党”被反“薅”。