The interest chain of shanzhai loan APP such as "36 IOUs" and "Xiaomi Finance" was revealed.

"Zero mortgage, zero guarantee, low-interest loans?"

under the guidance of a self-proclaimed "Xiaomi Financial Customer Service", Li Jing, who is a little short of money, downloaded and registered the "Xiaomi Financial" application (App) and wanted to get a loan. As a result, I didn't get the money, but I was told to pay a "unfreezing fee" and even received an investigation notice from "China Banking and Insurance Regulatory Commission" ... < P > If I don't pay the "unfreezing fee", I will investigate you?

On May 28th, Li Jing received a phone call claiming to be "Xiaomi Financial Customer Service".

"He said he could get a loan and asked me to chat with QQ. It happened that I was a little short of money recently, so I added QQ to know the situation. " Subsequently, the "customer service" sent Li Jing a download link named "Xiaomi Finance".

Li Jing told "customer service" that clicking the above link could not download, and the other party sent her an installation package, and said that she would choose "install regardless of risk". When asked whether the loan needs to charge fees such as production cost and deposit, the "customer service" replied that "the company does not charge any fees".

Li Jing set his mind at ease, installed the App, and completed the procedures of registration, information filling and loan application submission. I thought that the loan of 2, yuan could arrive smoothly, but I didn't expect something to go wrong in the cash withdrawal. The newly installed App page named "Xiaomi Finance" shows "Transfer failed, the information of the bank card withdrawn is inconsistent, resulting in abnormal account, please unfreeze it" and "The correct card number cannot be recognized, please contact customer service for handling".

"The customer service told me that their money (2, yuan) was frozen because my bank card account was wrong." "Customer Service" asked Li Jing to cooperate, provide ID cards, bank cards and other information, and pay a "thawing fee" of 6, yuan, and told her that she would receive 26, yuan after thawing.

Li Jing firmly believes that his bank account number is not wrong, so he hesitates and decides not to pay this 6, yuan. I thought it was over, but I didn't expect the other party to tell her that she would contact a lawyer to ask for compensation.

To Li Jing's even greater fear, the other party also sent a "Notice on Li Jing Certification and Freezing Loan Funds", which was signed by China Banking and Insurance Regulatory Commission, China. The "Notice" said: If the actual borrower Li Jing cannot be authenticated, our bureau will contact the Ministry of Justice to intervene in the investigation, contact its emergency contact person, and if necessary, contact the local public security organ to maliciously apply the loan crime and come to the door to collect evidence for investigation.

The reporter browsed the black cat complaint platform and found that there was more than one person who had the same experience as Li Jing. Some netizens said that after paying the "unfreezing fee", the other party would continue to ask for money for various reasons. After the transfer, the "customer service" could not be contacted and the loan was not received.

In response to Li Jing's complaint, Xiaomi Finance replied in the complaint of Black Cat: Recently, some illegal gangs have cheated in the name of Xiaomi Financial Customer Service or impersonating Xiaomi Financial App, so please raise awareness of prevention. Please be wary of strange calls and SMS links on the grounds of asking for "production cost", "contract fee" or "cancellation of loan", "online shopping return, compensation", etc. We will not ask you to transfer money in any irregular form.

why does "account frozen" always happen?

Looking back carefully, Li Jing found that there were many doubts in the process of this loan:

First of all, why did you download it on an unknown platform? After filing a complaint, Li Jing uninstalled Xiaomi Finance on his mobile phone, and the installation package sent by Customer Service expired. The reporter searched and downloaded Xiaomi Financial App in the mobile phone application market, and checked with Li Jing. When she saw the Xiaomi Financial App icon sent by the reporter, she said that it seemed to be this software. But when the reporter sent her the main page after the App was opened, Li Jing said it was different from the one installed before.

WeChat official account of Xiaomi Finance has published an article before, pointing out that fraud gangs will guide the deceived people to download the shanzhai loan App on an unknown platform by means of phone calls, text messages and online advertisements. The deceived person registers his personal information in the shanzhai loan App to apply for a loan, and the amount of the application is often unable to be withdrawn. At the same time, when the personal information is leaked, he will transfer money or other behaviors step by step under the guidance of fake customer service, resulting in economic losses.

second, charge before lending? Li Jing is not the only one who comes across the term "unfreezing fee". On March 23rd, official website, Gansu Provincial Public Security Department, reported a similar case: Mr. F saw an advertisement for unsecured loan when browsing the webpage, and then clicked and downloaded the "Xiaomi Finance" App. After completing the registration, Mr. F submitted a loan application. The "customer service" informed that the loan he applied for can only be withdrawn after spending money on running water, and Mr. F transferred more than 8, yuan to the designated account; Later, the "customer service" asked to continue the transfer on the grounds that the account was frozen. Mr. F realized that he had been cheated and called the police.

Third, China Banking and Insurance Regulatory Commission freezes accounts? After the merger of the former CBRC and the former CIRC in 218, the name was China Banking and Insurance Regulatory Commission. Judging from the pictures provided by Li Jing, in the text of the so-called "Notice", "China Banking Regulatory Commission" appeared. In addition, the signature was "China Banking and Insurance Regulatory Commission", but the seal became "China Banking Regulatory Commission".

On June 23rd, WeChat official account, a Chinese China Banking and Insurance Regulatory Commission, issued a reminder: Recently, in some areas, criminals forged China Banking and Insurance Regulatory Commission documents and lied that their accounts were frozen to defraud consumers; China Banking and Insurance Regulatory Commission and its agencies have no right to directly freeze the bank accounts of any unit or individual. Consumers should raise their awareness of risk prevention and beware of being cheated and losing their funds.

There are indications that Li Jing has met the "Gui Li". In fact, it's not just Xiaomi Finance that has been impersonated by Gui Li. The reporter noticed that some netizens reported on various platforms that they had encountered loan apps such as cottage micro-loan, JD Finance, and rich flowers, and were asked to pay fees by "customer service" in various names.

why is the 169 SMS platform popular?

The monitoring data of the National Internet Financial Risk Analysis Technology Platform shows that by the end of May 22, * * * had found 2,81 counterfeit Internet financial apps, with 33.437 million downloads and 48, counterfeit Internet financial websites.

The reporter combed the cases reported by local police and found that there is a complete black industrial chain behind the Shanzhai loan App. Fraud gangs mostly publish loan information by telephone, SMS, web advertisements, etc., and then send download links of shanzhai App to induce transfer; In this way, the user's personal information can be obtained for sale or telecom fraud or other purposes. The chain behind it involves cottage App development, personal information acquisition and advertising promotion.

On June 1th, the People's Court of Ninghai County, Ningbo City disclosed the details of a case of online fraud by using the shanzhai loan App in official website.

in the case, at the request of "customers", software developers developed more than 7 shanzhai apps with the functions of "no payment port, customer information can be modified in the background, and the account is frozen after approval", and were responsible for subsequent modification and maintenance. Shanzhai apps named "36 IOUs" and "Baidu has money to spend" were sold at a price of 5, yuan each.

Recently, Beijing police have successively destroyed 11 illegal 169 SMS platforms and 4 illegal advertising promotion gangs, and detained 12 criminal suspects.

according to public information, the 169 short message platform is a third-party platform for non-operating short message services across provinces or nationwide, which provides short message platform services for other enterprises without charging end users, and can be used for service notification in internal office, banking, education, real estate and other fields.

Some netizens said that most of the advertisements and suspicious text messages they usually receive begin with 169.

According to the Beijing police, some qualified 169 SMS platforms illegally resell and represent 169 numbers at different levels, providing various services for loan fraud criminal gangs, and have become an indispensable key link in the telecommunication network fraud criminal chain. These illegal 169 SMS platforms induce victims to be deceived by sending SMS messages containing unsecured and credit-free loans, downloading links containing loan fraud apps, or directly docking SMS interfaces for loan fraud apps.

shanzhai loan App has various ways of "fishing". How do ordinary people identify it?

Shandong Anti-Telecommunication Network Fraud Center pointed out: "It is very simple: anyone who charges any fees (including handling fee, production fee, packaging fee, deposit, certification fee, running water, etc.) before lending money is 1% fraud!"

The Criminal Investigation Bureau of the Ministry of Public Security issued a document in WeChat official account reminding

The customer service of regular online loan App will not contact users through unofficial channels, such as personal WeChat and personal QQ, and will not ask users for personal information and verification code. When downloading the loan App, users must choose the official software, and download it on the official application platform such as the mobile phone application market. Don't easily click on the link of unknown application providers and QR code to download and install the software.