But is it fraud to send a repayment text message?

Yes, it is obvious that your personal information has been leaked and targeted by fraudsters.

1, your mobile phone often receives short messages similar to advertisements, indicating that your personal information has been leaked, or that your mobile phone number has been leaked.

As long as your mobile phone number is still in use, they will keep texting. Power outages are basically useless. They all use the network number, one number at a time. Also, according to the regulations of communication companies, merchants must mark TD in the content when sending short messages. These two letters are purely decorative, not only useless, but also make them think that you are an active customer.

3. Generally speaking, the content of the short message is to remind you to apply for a credit card in the name of a bank, and some small loan companies remind you how many credit lines you have. Whether it is a credit card or a small loan, it is a routine, which will not bring you any help, but it is also in danger of revealing personal information.

1, online lending and p2p online lending are short for online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subclass of Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

4. Promote the healthy development of Internet finance and better serve the real economy by encouraging innovation, strengthening supervision and mutual support. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.