First, IT training, which is stronger, Dark Horse or Dana?

In recent years, the media has repeatedly reported negative news such as Dana's "recruiting students in the name of recruitment" and "training loans". According to media reports, Dana Education has been exposed by the media for many times because of its alleged fraudulent enrollment, including enrolling students in the name of recruitment, and lending tens of thousands of yuan to students can not guarantee employment, which leads to the inability to repay.

In terms of enrollment channels, in addition to the low-cost enrollment method of "recruiting students in the name of recruitment", most institutions, including Dana Education, mainly rely on online promotion and Baidu traffic for enrollment. According to the relevant data released by Dana, the sales expense ratio of Dana Technology accounts for nearly 50% of the revenue. On April 20 19, 2 1cnJuComplaint * * received 692 effective complaints from consumers in the education and training industry, and the effective complaints against Dana education reached 4 1, second only to Suntech and Dua. com。

In sharp contrast to Dana's sales expense ratio, Dana's R&D expenditure is dwarfed. In the fiscal year of 20 18, Dana spent 654.38+67 million yuan on education R&D. Although the growth rate reached 67%, the marketing expenditure was about 6 times that of R&D..

At present, the market scale and income are second only to Dana's Chanz Podcast. It is reported that more than 70% of freshmen are recommended by old classmates through word of mouth. Enrollment mainly depends on word of mouth, but it also depends on online marketing. Compared with the sales expenses of 65.438+0.67 billion yuan of Dana Technology, in 2065.438+08, in order to expand its influence, the advertising expenses for Baidu were only 6.5438+0.39 million yuan, accounting for 65.438+0.75% of the revenue.

Chanz podcast pays more attention to the construction of teaching staff. At the end of 20 18, in the professional structure of Chanz Podcast Company, teaching and research staff accounted for 70% and sales team accounted for less than 20%. There are about 1 100 people engaged in the teaching and research of podcasts in Chanz, and the cost of course research and development is relatively high. From 20 16 to 20 18, the R&D expenses of Chanz Podcast and Dana Technology account for about 20%, while the R&D expenses of Dana Technology account for less than 1%.

The rapidly increasing number of tourists needs to further improve the quality of teaching. While the sales expenses increase, the R&D expenses also need to keep up, so as to gradually improve the word-of-mouth introduction rate and form a virtuous circle. From the above analysis, we can see that one company is eager for quick success, but its commercial nature is too prominent, while the other company is more educational and has a longer foothold.

2. Can I go to the Consumers Association for banking complaints?

Many people want to complain about the bank. Who are you?

It is generally useless to find a consumer association. If you have evidence, please refer to the CBRC. If you can't get the evidence, wait until next March.15, and then go to the local head office to complain to the Consumers Association. Only before 3. 15, the bank is the most obedient and the lowest key.

3. Can Dana complain to the Consumers Association about the loan refund?

Of course. Merchants infringe on consumers' rights and interests. After the consumer complains to the Consumers Association, the Consumers Association will organize the merchants to negotiate and solve it. If the merchants and consumers can't negotiate well, the consumers' association will report the matter to the administrative department for industry and commerce. In fact, the Consumers Association is only a consumer complaint handling institution set up by the Industrial and Commercial Bureau, that is, it handles consumer complaints from a fair and just perspective. General consumer associations only mediate and will not impose any punishment.

Fourth, how to return the loan that Dana dropped out of school?

Contact the media! Just like the one above, I contacted the media and got a refund immediately.