Who is still grinding 20% annualized returns on P2P lending within the country to keep these online lending companies alive?

JD Finance just called me saying I could borrow 60,000 interest-free for one month directly.

China Merchants Bank on their end can also lend at extremely low interest rates now - borrowing 18,000 for a year costs just a couple hundred in interest.

They're all calling and practically begging you to borrow money 😂😂