Are there any dangers in online loans?

The dangers and seriousness of online loans are as follows:

1. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and lenders, which easily leads to fraud and non-payment of debts. Breach of contract disputes.

2. Among the large amounts of lender information released by online platforms, many of them issue loans in the names of "loan companies", "financing companies", etc. In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization are often held legally responsible for "illegal fundraising", "illegal attraction of public deposits" and disrupting financial management order. .

3. If loans are issued through an online platform, if the online platform neglects self-discipline, or the internal control procedures fail, or is exploited by others, it may be possible to fabricate loan information and illegally raise funds. .

A few points to be wary of:

Financing difficulties for small and medium-sized enterprises is a well-known problem, especially when bank credit tightens, making financing even more difficult. In this general environment, some criminals, in the name of "online loans", take advantage of the psychological characteristics of small and medium-sized business owners who are eager to ask for money, relax their vigilance, and even be hungry, falsely claiming that "no mortgage or guarantee is required", etc., and carefully lay out. Leading the king into a urn will cause huge losses to small and medium-sized enterprises.

No matter how smart the scammer is, there is always something clever about him. We have summarized the information from all parties and compiled a few points for you to pay attention to. I hope it will be useful for your reference.

1. Open a website under the banner of a professional company

Such websites often use the names of "loan companies" and "investment consulting companies", and sometimes appear on the website The purpose of using the words "Agency throughout the country" is to package itself and further defraud the trust of small and medium-sized business owners. However, if you look closely at such websites, you will find that they generally do not leave landline numbers and addresses, only mobile phones or QQ. Even if they leave addresses, they cannot withstand careful inspection.

2. "No mortgage, no guarantee", "Same day loan"

In many "online loan scams", "no mortgage, no guarantee", " "Same day loan" and other very tempting slogans. These slogans extremely accurately hit the key points of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why project parties are rejected when seeking formal loan channels is that they do not have good mortgage assets or guarantees. In this type of scam, once small and medium-sized business owners take the bait, they are required to pay certain handling fees, security deposits, etc. before taking out a loan, "because no guarantee or mortgage is required." Some even require a certain period of interest to be paid in advance.

3. Pretend to be a formal institution

Some scam companies closely imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and their domain names are only one or two words different from those of regular lending institutions. Project parties need to be more careful when making inquiries.

4. Online transfer scam

In the online transfer scam, the fraudster will claim that the money needs to be transferred to an intermediary account, and then ask the small and medium-sized business owners to go to a fake bank website or go through Enter your bank account number and password on the fraud website to defraud small and medium-sized enterprise owners of funds from their accounts.

The above content is the relevant answer. If you do not have the ability to repay, and you take out an online loan, the impact on you will be very large. Generally speaking, if you cannot repay the accumulated interest, it may be very serious. It’s so huge that it’s impossible to repay the loan at this time.