Xiamen Banking Insurance Bureau reminds consumers to borrow rationally to prevent risks and beware of the "fake loan" trap.

In order to effectively improve the public's financial literacy and effectively prevent and resolve financial risks, China People's Bank, China Banking and Insurance Regulatory Commission, China Securities Regulatory Commission and Internet Information Office jointly launched "2022" this month. Popularize financial knowledge every month. Do you want to be a rational investor and an excellent financial netizen? Activities. Xiamen Banking Insurance Regulatory Bureau recently released a report on prevention. Fake loan? Fraud, rational lending and other tips to prevent financial risks.

Guard against? Fake loan? Class fraud

In recent years, fraudulent acts in the name of false loans have occurred frequently. Some criminals pretend to be financial institutions and publish false information about loan services through SMS, WeChat and APP. , and is paying? A loan? If the fabricated bank card number is incorrectly filled in, you need to pay service fees, deposits, account unfreezing fees and other reasons to commit fraud.

How to prevent it? Fake loan? Cheating? Xiamen Banking Insurance Regulatory Bureau reminds consumers to pay attention to the following four points:

1. Go to a formal financial institution to handle business. Don't trust the loan information from unknown sources received by SMS, Internet and telephone. Don't click on the unknown link. App must be downloaded through the formal application market.

2. Pay attention to handling loans. All financial institutions will conduct audit according to the comprehensive situation of customers, and will not charge customers in any name before the loan is issued, but will charge relevant interest fees according to the contract after the loan is issued. What if there is a claim? Can you handle high-value and low-interest products by paying and repairing credit information? Before handling the loan, paying fees (including but not limited to handling fees, down payment interest, deposit, verification fees, unfreezing fees, etc.) is fraudulent. ) before lending.

3. Be careful when transferring money online. If you receive a call claiming to be customer service or collection, please don't follow the other party's requirements, especially don't transfer money by scanning the QR code from unknown sources.

4. Pay attention to protecting personal privacy, and don't fill in personal information in webpages and apps with unknown security. If you find yourself cheated carelessly, try to collect evidence and call the police at the first time.

Lending rationally and preventing financial risks.

With the popularity of the Internet, various consumer financial services and credit loan products are gradually emerging. The lending process of online loan products is more convenient and the lending amount is higher. Some consumers tend to borrow blindly, resulting in excessive debts and affecting normal life. Some consumers have bad records in their credit reports because they have not repaid in time, which has a negative impact on their applications for credit cards, mortgages, car loans and other loans.

Xiamen Banking Insurance Regulatory Bureau reminds consumers to borrow rationally and choose financial products and services that suit them:

1. Evaluate your economic affordability correctly and put an end to reckless blind consumption and blind lending.

2. Give full play to the role of loan products, never? Raising loans with loans? Multi-head lending? . Consumers should fully understand the interest price, loan term, repayment method and other important information closely related to their own rights and interests of online platform loans and other related products, and be wary of some institutions or platforms. Interest-free and zero interest? One-sided propaganda.

3. Cherish personal credit and keep records. According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident. Consumers should take the initiative to care about their credit records, repay in time after bad information appears, stop bad behavior, pay attention to repayment on time, avoid overdue, and establish a good personal credit record.