Kunming beauty fraud

The picture shows the sales staff posting a large number of false advertisements on WeChat group and friends circle to attract customers. Photo courtesy of Panlong Branch of Kunming Public Security Bureau

It is reported that the victims of this medical fraud case are mainly women, and the youngest is only 18 years old. With the cracking of fraud cases, the true face of this "beautiful loan" has also been exposed.

At the end of 20021,Xia Xia (pseudonym) accidentally saw an advertisement "Set an example and encourage each other" in the WeChat group. She was attracted by the words "free medical care" and she got in touch with each other. According to the instructions of the other party, she went to a medical beauty hospital in Kunming, and a facial doctor immediately designed her face professionally. Under the persuasion of the insider, she handed her identity information and mobile phone to the salesman who promoted the medical beauty project.

Ten minutes later, Xia Xia took back her mobile phone and found that she had been "borrowed". She not only became a customer of the hospital, but also became a lender of an online loan platform, and the borrowed money directly entered the hospital account. The salesman told her that as long as she signed an award agreement with the hospital and officially became a "model of mutual encouragement" of the hospital, and helped the hospital publicize as required, the loan would be borne by the hospital. The salesman assured her that the medical beauty program was free.

The picture shows that the victim failed to receive the payment, which led to the bombing of loans overdue by SMS. Photo courtesy of Panlong Branch of Kunming Public Security Bureau

Two months ago, the hospital repaid Xia Xia's loan on time according to the Repayment Agreement. By the third month, the hospital unilaterally changed the repayment conditions and decided to stop repaying the loan after default. Unable to repay the loan, Xia Xia not only often received phone calls from loan companies, but also suffered facial injuries shortly after plastic surgery. "Free" has become a trap, and medical beauty has become a medical accident.

At the end of 20021,a group of young people poured into Qinglong police station of Panlong Branch. They had similar experiences with Xia Xia, and both had done "free" medical beauty projects in a medical beauty hospital in Kunming. They all got different amounts of online loans and could not repay them.

The police quickly investigated and obtained evidence from the medical beauty hospital involved. During the investigation, it was found that the criminal suspect's modus operandi in this case was highly similar to the "Yuexiu Medical Plastic Surgery Project" detected by Wuhan Public Security Bureau in March 20021. During the investigation, many victims still came to report the case.

After investigation, at the beginning of 200211,the suspects Mu Mou, Luo Mou and Gan Mou put forward the propaganda method of "printing models to do medical beauty for free" to form a medical beauty marketing team. Subsequently, they reached a cooperative relationship with Jane, who claimed to be the "shareholder" of the medical beauty hospital, and jointly launched the false activity of "free plastic printing model".

On the basis of a large amount of evidence obtained by careful investigation in the early stage, the "network closing operation" began. On March 3, 2023, with the promotion of the "100-day Action" to crack down on rectification, the police forces of the Criminal Investigation Brigade, the Netan Brigade, the Special Police Brigade and the Qinglong Police Station of Panlong Branch made a surprise inspection of the medical beauty hospital and arrested 7 suspects according to law. 1 person was released on bail pending trial.

After investigation, the police investigating the case found that there were only a few hundred yuan left in the account set up by the hospital at that time, and the illegal funds obtained by fraud had long since disappeared. The suspect confessed that the illegal funds transferred from the lending platform to the hospital were "washed white" by "professionals", then passed through several private accounts and finally transferred back to the account of the medical beauty marketing team.

Fraud means are more subtle, and the flow of illegally obtained funds is more dispersed, involving a large number of people. This medical fraud case is hard to prevent. In the past, fraudsters mostly used "work needs" as an excuse to let job seekers who came to apply for plastic surgery. Now the fraudulent means are escalating, allowing the victims to sign the agreement voluntarily, the loan channels are formal, and there is no injection of funds involving black and evil. The seemingly legal medical beauty project is actually full of routines.

The police remind us that in our daily life, we should

Related questions and answers: What is a beautiful loan? Beautiful loan is an illegal loan, which is used for cosmetic surgery. It makes the victims fall for it at a very high interest rate. It is to let girls show more beautiful meanings, so it is called a beautiful loan. However, the interest rate of beautiful loans is very high, and some even have an interest rate of 100%. : 1. loan principle: the "three principles" refer to safety, liquidity and effectiveness, which are the basic principles of commercial banks' loan operation. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency." (1) loan security is the primary problem faced by commercial banks; (2) Liquidity refers to the ability to recover the loan within a predetermined time or quickly realize the loan without loss, so as to meet the demand of customers for withdrawing deposits at any time; (3) Efficiency is the basis of sustainable operation of banks. For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems. 2. The significance of the emergence of loans: banks put concentrated monetary and monetary funds out through loans to meet the demand for supplementary funds for social expansion and reproduction and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy. 3. Precautions for loan: (1) The information provided to the bank should be true, the address and contact information of the provider should be accurate, and the bank should be informed in time when there is any change; (2) The loan purpose should be legal and compliant, and the transaction background should be true; (3) according to their repayment ability and future income expectations, choose the repayment method that suits them; (4) Apply for a loan amount according to your own ability, and usually the monthly repayment amount should not exceed 50% of the total family income; (5) Read the terms of the contract carefully and understand your rights and obligations; (6) Repay on time to avoid bad credit records; (7) Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan; (8) Advance payment can only be processed by communicating with the bank one month in advance. (9) When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also issue a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, in addition to local income, housing guarantee companies should also apply for temporary residence permits for foreigners.