Which bank's products are easy loans?

Deception is strong, and online lending needs to be cautious.

"Easy loan" becomes "usury";

"0 mortgage 0 guarantee" and "1 minute application, 30 minutes to account" are the slogans of some online lending platforms. The reappearance of "naked strip" has brought "peer-to-peer lending" back to people's field of vision. Compared with "naked loans" with indecent videos and photos as loans, the lending procedures of many online lending platforms are "convenient and fast", which also makes many users fall into a vicious circle of capital chain while facilitating lending.

At the same time, high fees, high interest rates, and disclosure of personal information also occur from time to time on these platforms. After several rounds of policy supervision, how to deal with this peer-to-peer lending model under the banner of convenient consumption, how to guide people's consumption healthily and how to effectively supervise it has become a topic of concern from all walks of life.

Searching for keywords such as "online loan" and "loan" on software distribution platforms such as pea pods and Appbao will lead to dozens of peer-to-peer lending platforms, all of which are slogans, unsecured, unsecured, fast and convenient.

On platforms such as QQ Group and WeChat, QQ Group and WeChat official accounts clearly indicating loans also abound. The official account of WeChat, a WeChat named "Lightning Loan", claims to be able to lend money in 56 seconds, which is advertised as "mobile phone loan artifact" and "ID card can be applied".

Registration with mobile phone number, associated mobile phone bill usage record, ID card verification, avatar verification, Taobao or JD.COM account verification, bank card binding, etc. are all similar application modes of these platforms.

The reporter actually operated on the "lightning loan" APP. After completing the mobile phone registration in 20 seconds, I entered the main page, but I was told that there was no credit line and I could not get a loan. Then, according to the prompt, I completed the usage record of associated mobile phone charges, and carried out avatar authentication, identity authentication, online shopping record authentication and so on. , soon won the credit line in 500 yuan.

Of course, if the personal information is more complete and there is more relevant information, the credit line will be larger. The platform also has the activity of "inviting friends and borrowing successfully", and the reward amount is increased. The amount is once 1000 yuan, which can be added to the upper limit, but at most 10000 yuan.

It is worth noting that in the close contact information, home address and other links, reporters fill in at will, but it has not affected lending.

The reporter borrowed 500 yuan from the platform and actually paid only 448.5 yuan. According to the transaction confirmation information page, the platform charged a loan fee of 5 1.5 yuan. The loan items include 5.4 yuan for fast credit review, 8.6 yuan for platform and 8.5 yuan for quality assurance service, with account management fee of 14.75 yuan and collection channel fee of 14.25 yuan.

In addition, users borrowing from multiple lending platforms at the same time is not affected. In addition to "lightning borrowing", the reporter also borrowed several hundred yuan from platforms such as Lending Bao and Ant Borrowing. Prior to this, there have been many media reports that some college students have evaded debts because they can't get loans on multiple online lending platforms, and even tragedies such as dropping out of school, missing and committing suicide have occurred.

Extended data:

Five loan routines:

1. Set bait and forge the illusion of lending.

Criminals lure borrowers with "fast loan", "unsecured" and "low interest and convenience", and when signing loan contracts and agreements, they lure borrowers to sign IOUs that are one or even several times higher than the loan principal on the grounds of commercial rules, creating illusions and laying the groundwork for the subsequent "debt demand". Will tell the borrower not to worry, just a routine procedure, normal repayment will not affect people's vigilance.

2. Create a trap and arbitrarily identify the breach of contract.

Illegal lenders intentionally lost contact, telephone failure, system problems and other means, resulting in the borrower can not repay normally on the repayment date, and eventually overdue. At this time, these lenders charge high late fees and handling fees in the name of breach of contract. If the borrower can't repay the loan, it will be lured to other lending platforms to "borrow the new and return the old", and the loan principal and interest will snowball.

3. Deliberately leaving marks and inflating the loan amount.

The illegal lender first transfers the contract amount to the borrower's account, and at the same time requires the borrower to withdraw the imaginary part at the bank counter before returning it to the platform, leaving the superficial impression that "the bank flow is consistent with the contract amount".

4. Find excuses to induce unfavorable agreements.

By playing word games, creating contract loopholes, setting various names such as "liquidated damages", "security deposit", "agency fees" and "service fees", the victim was tricked into signing various contracts that were obviously unfavorable to the victim, resulting in the borrower's breach of contract and illegal possession of the borrower's property.

5, soft and hard, soft and hard violence collection

Asking for illegal debts through so-called "negotiation", "consultation" and "soft violence" such as harassment, entanglement, noise and gathering people to create momentum makes people feel psychological fear. The methods used by some lenders include throwing paint at the door, prying open the door lock, tracking the borrower, etc. Even use violent means to force borrowers to repay.