It is said that it belongs to the loan company. How will they cheat money?

First, it is said that it belongs to a loan company. How will they cheat money?

Hello, if regular loan companies cheat money, they usually establish long-term cooperative relations with a number of banks. It is unnecessary to cheat money. And the general strength of these companies is still good.

The way you said to cheat money should be that some criminals use regular loan companies to pay a certain service fee or other fees before the borrower to cheat money.

Second, the common loan methods

I. The acts of loan crimes are as follows:

1, fabricating false reasons such as introducing funds and projects to defraud banks or other financial institutions for loans.

2, the use of false economic contracts from banks or other financial institutions loans. In order to support production, encourage exports and increase the value of limited funds, banks or other financial institutions sometimes issue loans under economic contracts. Some criminals forge or use false export contracts or other economic contracts with high short-term returns, or loans from banks or other financial institutions. For example, the criminal Zhang forged a company's export supply contract, applied for a loan of several million yuan from a bank in Shanghai with a false contract, and absconded with the money.

3. Use false documents to make loans to banks or other financial institutions. The so-called certification documents refer to the documents needed when applying for loans from banks or other financial institutions, such as letters of guarantee and certificates of deposits. For example, a company borrows millions of yuan from another bank by issuing false deposit certificates through the staff inside the bank.

4, using false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral, defrauding banks or other financial institutions of loans. The title certificate here refers to all documents that can prove that the actor has ownership of real estate such as houses or movable property such as cars, money and bills that can be redeemed at any time. For example, the criminal Zhang used the forged real estate license of a housing development company as collateral to defraud the bank loan of more than one million yuan.

5. If banks or other financial institutions issue loans by other means, "other means" means forging the official seal of the unit or sealing it to defraud loans; Using counterfeit money as collateral to defraud loans; Borrow first and then use fraudulent means to refuse to repay the loan.

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Third, what are the common means?

Also known as credit loan, that is to say, when applying for this loan, the borrower does not need to provide any collateral, but only needs identity documents, income certificates, credit certificates and other materials to apply for a loan from the bank. So, what is the basis for banks to issue loans? It is understood that the bank will issue loans according to the borrower's credit situation, and the loan interest rate is slightly higher than the mortgage interest rate, so the borrower should choose the loan term and repayment method according to his actual situation.

It is precisely because the application does not need to provide collateral and guarantee that some people take the opportunity to induce borrowers to fall into the trap. So, what are the usual methods of scammers? Judging from the current situation, it is generally said in small advertisements that "it can be handled with simple procedures" to attract people who are in urgent need of money; Once you get in touch with the liar, you will be allowed to transfer the so-called "interest", "handling fee" and "deposit" to the account designated by the liar; After you put the money in, the liar lost contact.

Therefore, we must be vigilant in daily life, don't believe in small advertisements, and call the police in time when we find that we are cheated.

Characteristics of fraud:

1, the company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.

2. Without an office address, it is impossible to provide a real company business license and personal ID card.

3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.

4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.

5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.

6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.

There are many means of bank card. What are the common ones?

Common means of bank card:

1, posing as the phone of the public security personnel. The swindler pretended to be a public security officer and called the public to ask for assistance in handling the case, so that the public could make money into the account.

2. Pretending to be the telephone of the telecommunication department. The swindler contacted the public as a staff member of a communication company, claiming that the mobile phone was in arrears and needed to pay.

3. Impersonating securities investment. Liars pretend to be staff members of securities investment companies to contact the public and persuade them to invest.

4. Car tax rebate. The swindler contacted the public and said that the car that the public just bought can enjoy tax refund, but it needs to pay a certain handling fee.

5. Lying about the accident. Liars send short messages to the public saying that their relatives and friends have an accident and need money.

6. Win prizes. Liars tell the public that they have won the grand prize and need to pay a certain handling fee.

7. loans. Liars send unsafe text messages to deceive the public.

8. Selling cheap and illegal products. Liars send sales and other information to trick citizens into sending money to buy.

9. Direct remittance. When sending and receiving bank accounts by SMS, some citizens who often remit money are used by scammers and believe the accounts sent by scammers.