JD.COM patted loans, preferring loans.

The Consumer Finance Channel noted that today, the Internet Office announced the recent anti-fraud situation, focusing on cracking down on a number of "Gui Li" investment fraud platforms.

Fraud is the core.

"Fake financial App" fraud is a high incidence period of telecom fraud in recent years. Fraud gangs usually use the victims' thirst and greed for money to recommend unknown links through SMS and WeChat in the name of borrowing money to achieve fraud purposes.

It is worth noting that such scams are generally divided into two types. One is to implement conventional loans through beheading and short-term high interest rates. The other is fraudulent use in various names such as loan failure and credit problems.

Such conventional loans usually have a one-stop collection agency to ensure the recovery of released funds. After the borrower fell into the "routine" overdue, the platform insulted, intimidated and harassed the victim and his relatives and friends through telephone, WeChat, SMS and other channels, forcing the victim to repay the so-called "debt".

With the promotion of eliminating evils, the number of criminal organizations that use beheading and high interest rates to commit fraud has decreased, and more and more illegal organizations have begun to make a fuss about the loan application process.

In fact, the fraudsters deliberately changed the borrower's ID number in the background, threatening the borrower for reasons such as affecting credit information and still needing repayment. While paying the thawing fee, the borrower can't really withdraw the credit line, which will eventually be blacked out.

At the same time, the borrower's personal sensitive information may be sold or directly stolen from the bank card information to steal funds, resulting in serious information leakage risks.

According to the incomplete statistics of "Consumer Finance Channel", Yihua, Suning Finance, Zhaolian Finance, Ping An Consumer Finance, Small Orange Blossoms, Small Credit Loans, JD.COM Gold Bars, White Flowers and White Flowers have all been copied by criminals.

With the rampant development of routine loan criminals, the Ministry of Public Security, China Banking Regulatory Commission and other regulatory agencies are also stepping up supervision.

In May 438+10 this year, the Ministry of Public Security disclosed the "report card" for cracking down on evil. By the end of 202 1,1.30, more than 60 triad-related organizations and criminal groups 1000 had been destroyed, and criminal cases 1.5 million had been cracked, and criminal suspects/kloc had been arrested. Among them, more than 360 criminal gangs of "routing loans" were destroyed.

In June this year, the Consumer Protection Bureau of the China Banking Regulatory Commission issued the fourth risk warning in 2023, reminding consumers to be wary of "false investment and wealth management", "false online lending", "debt settlement landing", "agent surrender", "white payment" and "direct deposit in the bank". They all take advantage of the psychological characteristics of consumers who are eager to get out of trouble and recover losses. Consumers should establish the concept of rational investment and rational lending, and obtain financial services through institutions that have obtained financial business licenses according to law.

It is worth noting that telecom fraud similar to this kind of routine loan, when the software or website is banned, the cost of continuing to cheat by changing the shell is very low, which is one of the important reasons why routine loans have been repeatedly investigated. In addition to strengthening supervision, consumers themselves should also strengthen their awareness of financial management and reduce the possibility of being cheated.

Related Q&A: Software that can borrow money and loans just by using the mobile phone number? It's not that easy to give you a loan. First of all, you need your mobile phone number and ID number for real-name authentication. Even yours. Family member information should not be as simple as you think.