Inomotojia

This book uses the real experience of ordinary young man Lin Xiaoman as a clue to reveal the truth about harvesting under the warm mask of Internet financial apps. The protagonist stepped into the "pig family" trap because of the twenty-yuan red envelope. Under the convenient temptation of "one-click credit extension", he signed unequal terms without knowing it and gave up his personal credit. The platform uses big data to accurately profile users, classifying users into three, six, and nine grades, locking in high-quality people with low interest rates, squeezing disadvantaged individuals with high interest rates, and turning ordinary people's credit reports into commodities for capital profit. From default check-boxes and hidden charges to credit limit kidnapping and credit reporting threats, a captive game in the name of "convenience" is quietly playing out. This book bitterly satirizes the chaos of Internet finance, reveals the powerlessness and awakening of young people in the face of algorithms and capital, and warns everyone: the credit you cherish may be becoming someone else's business. This novel and its characters are purely fictitious. Any similarity is purely coincidental and should not be imitated.