SMS capital verification scam

Generally speaking, there are many swindlers in this situation. There is no formal capital verification. Anyone who wants to transfer money without meeting is a liar and can't be trusted.

At present, some lawless elements in society use the good social influence of microfinance companies to cheat. Especially in today's Internet age, this fraudulent means under the guise of small loan companies has become one of the most effective fraudulent means for online loan scammers. So, how to prevent credit fraud?

Characteristics of credit fraud

Comprehensive analysis, loan fraud cases have the following common criminal characteristics:

(1) In the name of a false credit company, guarantee company or microfinance company, or in the name of a false credit company, guarantee company or microfinance company;

(two) to provide small, low interest and unsecured loans as bait;

(3) posing as a bank employee;

(4) Taking advantage of the lender's eagerness to borrow money to defraud by charging interest in advance;

(5) Fraudulent use of a false identity card or misappropriation of other people's identity information.

(6) Handling fees and interest expenses before the loan;

(seven) the relevant information of the company can not be found on the website of the industrial and commercial department;

(eight) commitment to loans in cities across the country;

(9) Claiming to cooperate with the bank to lend money, but there is no such cooperative customer after communicating with the bank;

(10) Asking customers to remit money to personal bank accounts;

(1 1) Interest and handling fee can also be negotiated.

Countermeasures to prevent credit fraud

In order to prevent the lender from being cheated, it is suggested to strengthen the following preventive measures:

(1) Personal small loans, choose regular bank loans as much as possible. If you do not meet the loan conditions and choose private lending, you should go to a formal credit company, guarantee company or microfinance company to discuss loan matters on the spot, and you should not blindly trust mobile phone or Internet information;

(2) Low-interest unsecured loans with too loose conditions are often hidden, and interest must be paid before the loan arrives, which is likely to be a scam, so lenders need to be cautious;

(3) For those who claim to be the staff of a bank and the office telephone number of the bank, they should pay a return visit as far as possible to check and verify their authenticity;

(four) once deceived, to report to the public security organs in a timely manner.