Why is there always a loan text message?

Why is my mobile phone always harassed by loan information?

This may be due to the following reasons:

1. Before surfing the Internet, customers have logged into some loan platform websites or paid attention to the advertisements of the loan platform, so they became the target customers of the platform and were sent many short messages recommending loans. In this regard, customers with financial needs can try to apply for loans after the invitation of the platform.

2. I did borrow money from a loan platform. The message was sent this time because the repayment date is coming, so the platform reminds customers not to forget to repay; Of course, it is also possible that the customer borrowed money and didn't pay it back. The platform sent a dunning message, and it is estimated that it will call.

3. The customers' relatives and friends all borrowed money, and then regarded the customers as emergency contacts for their loans, leaving their contact information. The loan platform can't contact each other, so it naturally finds customers.

4. The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility.

China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") was established on 20 15438+0 1 month, with its headquarters in Guangzhou. With the approval of the Insurance Regulatory Commission of the Bank of China, it was initiated by seven well-known Chinese and foreign enterprises, including China Postal Savings Bank. Is a national financial institution that provides all-round consumer financial services for China residents. China Post Consumer Finance has set up provincial marketing centers in 16 provinces (cities), and inclusive finance serves the whole country. In 20 18, the registered capital of China post's consumer finance increased to 3 billion yuan.

scope of business

Issuing personal consumption loans (limited to consumer finance companies); Accept deposits from domestic subsidiaries of shareholders and domestic shareholders (limited to consumer finance companies); Borrowing from domestic financial institutions (limited to consumer finance companies); Approved to issue financial bonds (limited to consumer finance companies); Domestic interbank lending (limited to consumer finance companies); Consulting and agency business related to consumer finance (limited to consumer finance companies); Acting as an agent to sell insurance products related to consumer loans (limited to consumer finance companies); Fixed income securities investment business (limited to consumer finance companies);

There will always be a short message on the mobile phone that the loan is successful. What happened?

There are usually three possibilities:

First, you accidentally registered this platform, entered your mobile phone number, and he will send you the advertising information of the loan.

Second, someone else registered this loan platform with your mobile phone number, or used your mobile phone number as a contact person.

Third, this is a marketing strategy, the so-called "net fishing".

In this case, I suggest you call the customer service phone of this platform as soon as possible for verification. If you accidentally register, ask him to delete or remove this mobile phone binding. If it is a marketing strategy, it can also explain the situation. If you still receive this harassing message, you can join the blacklist and report it as a harassing phone call.

Extended data

In the governance of spam messages, the three major operators have been repeatedly found by the media to make profits by using spam messages, and this laissez-faire attitude has been repeatedly criticized.

So is harassing phone calls. For example, CCTV Finance "Economic Half-hour" reported earlier that for group call harassing calls, operators can judge whether it is harassment according to how many numbers are called out in one minute. It is not difficult to supervise and shut down, but there is a chain of interests behind group calls, harassing telephone operators to earn 5 or 6 cents per minute.

It is precisely considering the importance of the role of operators and the possible interference of harassing telephone interest chains to operators. The "Proposal" puts strict control of harassing phone channels in the first place, requiring telecom enterprises to "who is responsible for access".

In other words, operators should strictly examine user qualifications. For example, in the number section of "95, 96, 400" which is the hardest hit area, if the threshold for approval and issuance is deliberately lowered to open the door for harassing enterprises, or if there is insufficient disciplinary effect on individuals and enterprise users who make harassing calls, then operators will bear the responsibility in the subsequent special rectification.