Why do you know the address book starting with 00? Urge online lending

1, the first is the mobile phone real name registration system. Since mobile phones began to operate the real-name registration system, some people have been stopped from using wholesale cards to defraud loans. In the past, they could apply for a loan by buying a mobile phone number casually, but after the money came, they didn't need a card, and the online loan company couldn't find anyone, resulting in a lot of bad debts. Therefore, the basic requirement of online lending now is that the mobile phone has been in real-name registration system for more than 6 months. As long as the mobile phone number is provided, the detailed information of the user can be found.

2. Secondly, there are many platforms on the big data network to provide big data query. Through a real-name authenticated mobile phone number, the lending institution can detect whether the borrower has a bad credit record. Once the borrower's mobile phone number hits the "overdue credit list", "China court dishonesty list" and "fraud harassment library", it will be rejected in minutes.

3. Then, the authenticity of personal information, online loans can know the authenticity of the borrower's information by obtaining your personal information, address book and call records, and know whether there is fraud through comparison.

4. Finally, be prepared for collection. Once the borrower agrees to authorize, the online loan will back up your address book as soon as possible. Once the borrower shuts down, doesn't answer, or changes the number, then you can harass the family and friends in the address book and force the borrower to repay. All in all, there are too many ways for online lending institutions to get your address book. Through various comparisons, they can not only audit, but also prevent the risk of running late. In short, if they are afraid of being exposed in the address book after the deadline, they can refuse to apply for such online loans.