Online loan explosion address book or call record? It's a borrower's nightmare!

Phone records. This is a nightmare for borrowers, because the online lending platform requires borrowers to provide personal address books or authorized mobile phone call records for risk assessment and collection. The following is a detailed explanation:

1. Privacy leakage: The borrower's address book contains information of his relatives, friends, colleagues and other contacts, which involves the risk of personal privacy leakage.

2. Harassing phone calls: Some bad online lending platforms may abuse the address book information and send harassing phone calls and text messages to the borrower's contacts, causing trouble to the borrower.

3. Trust: The relationship between the borrower and his contacts may be destroyed, resulting in a lack of trust. This may have a negative impact on the borrower's interpersonal relationship and social network.

4. Financial privacy: The call record contains sensitive information such as the borrower's call time and dialing number, which may reveal his financial status, and then suffer the risk of fraud or identity theft.

5. Unfair assessment: Some online lending platforms rely too much on call records for risk assessment and cannot fully reflect the borrower's repayment ability and credit status. This may cause the borrower to lose the opportunity to get a loan.

To sum up, the online lending platform requires borrowers to provide address books or authorized mobile phone call records, which brings a lot of troubles to borrowers, such as privacy leaks, harassing calls, and trust issues. Relevant regulatory authorities should strengthen the supervision of online lending platforms to protect the personal information security and privacy rights of borrowers.

Extended data:

The Convention on Self-discipline of Internet Finance Industry issued by China National Internet Finance Security Technical Expert Committee clearly stipulates that Internet financial institutions shall abide by laws and regulations when collecting and using user information, protect users' personal privacy, and shall not use user information for other illegal purposes. Therefore, online lending platforms should abide by relevant laws and regulations and take measures to ensure information security and privacy protection when dealing with borrowers' address books and call records.