I don’t know if you have encountered such an app called Xiaoma Yidai. It seems to be...

1. I don’t know if you have encountered such an app called Xiaoma Yidai. It seems to be online...

This kind of loan is not even qualified to be listed on the Apple Store. None. I hope netizens will restrain themselves from inducements and remain cautious. Loan software is all real-name, so don’t try to obtain the so-called loan limit easily. Selling information is their first source of income. There is no need to pay to activate the second loan. Members, software like this doesn’t even count as a company. Membership fees are their second source of income. Scammers will take advantage of your reluctance to carry out subsequent schemes, because people are always blind to what they have paid for. Pay attention to not wanting to believe that you have been cheated, just like chasing a girl. If you give too much to a girl, you will be controlled by the girl. Emotions such as blindness, loss, unwillingness, etc. will make you make worse choices emotionally. For example, tell yourself to believe her again, because it won't be a lie, and try again. The essence is that you don't want to believe the reality, and your subconscious doesn't want to face that you were cheated

2. What are the types of networks< /p>

Legal analysis: Common online forms include: 1. False consultation information

The securities industry is affected by fake online consultation information. Stock market mafia or information from securities companies bid up the stock price. After the deceived investors raise the stock price, they start dumping the stocks.

2. Online auction

3. Related to Internet services, computer software purchase scam 6. Work from home plan 7

Legal basis: "Criminal Law" Second Article 166: Public or private property, if the amount is relatively large, shall be punished with a sentence of not more than three years, criminal detention or public surveillance, and if the circumstances are multiple or single, the sentence shall be not less than three years but not more than ten years, and a fine; if the amount is particularly huge or there are other particularly serious If the circumstances are serious, he shall be sentenced to not less than ten years or more, and shall also be fined or have his property confiscated. If there are other provisions in this law, the provisions shall be followed

3. Is the national anti-fraud app real or fake

As people become more wary of online loans, scammers turn to pretending to be "big brands" Loan platform implementation. "360 IOU", "JD.COM IOU", "Ping An Puhui; Whitney" and so on. Because the brand awareness of this anti-counterfeiting platform is high, victims naturally become less vigilant, and many people are deceived. On the afternoon of August 6, Mr. Zhang received a text message. The content of the text message was: JD.COM Baitiao congratulates you on passing the system’s preliminary review and obtaining a loan limit of 50,000 yuan. Click to receive and reply T to unsubscribe. Teacher Zhang also needs it to open a store. After receiving loan information from a big brand like JD.COM, he clicked on the website and downloaded the application called "JD". COM Baitiao" didn't think much about it. This app stole the "JD Finance" icon, which is enough to look fake. 02 Fill in personal information After Mr. Zhang downloaded the app, he filled in the "loan information" according to the other party's prompts, including personal name, gender, mobile phone number, and identity ID card number, bank card and other personal information, and then asked Mr. Zhang to upload the front and back of his ID card. 03 Errors appeared one after another. After Mr. Zhang filled in his personal information, he applied for a 50,000 yuan loan. Soon, the platform customer service called and told him to fill in the information. The bank card account number was wrong (the loan background can be modified at will), which resulted in the funds being frozen and requiring a deposit of 5,000 yuan to unfreeze. However, the matter was far from over. Later, the other party demanded Zhang for various reasons such as handling fees, transaction fees, and production fees. Transfer money. And promise that the loan will include these fees and be repaid in one go. 04 General analysis uses the influence of "JD" to "let the victim download the fake "JD" app. Implementing loans is more confusing and easier to obtain. 1. Scammers will obtain the information of citizens across the country through illegal means, select some people from them, and communicate with these people by sending text messages or making phone calls. 3. Common excuses include "handling fees, principal interest, unfreezing fees, margin, repayment ability verification", etc. It is not difficult to find that most of the fake apps are loan apps. The elements caught some people who were unfamiliar with using the app and eagerly borrowed money online without identifying the authenticity of the app. Four parts of the fake App routine: 1. Fake "customer service" elements will use WeChat, QQ, SMS, or contact the victim in the name of "customer service" of a bank or formal loan app. 2. Send relevant documents to gain trust. Because the victim is in urgent need of money, he adds "customer service" to prove his identity. He will send photos of his badge, company business license and even ID card to the victim to gain trust.

3. Use fake Apps to induce registration. Because the App looks like the real thing, many victims have registered accounts according to the requirements of "customer service" and filled in personal information, bank account passwords and other private information as required to apply for loans. 4. After the successfully registered fraud victim applies for a loan, the "customer service" will require the victim to pay handling fees, deposits, etc. Because of various reasons. After paying the money, the "customer service" will ask for another transfer to unfreeze the fee on the grounds that the review failed and the bank card is insufficient. When the owner realized how much money he had transferred but could not receive the loan amount, and contacted the "customer service" for a refund, the "customer service" had already disappeared. So how to avoid it? From social entertainment to shopping and consumption, it has brought great convenience to life. But everyone should also keep their eyes open. Don’t click on unfamiliar links easily. Finally, have you encountered these common scams? The scam is deep, don’t take it seriously! Click to raise awareness of prevention and related questions and answers: What should I do if the loan quota of 360 IOU has been used up today? Expand 3 All Currently, various loan platforms are tightening their business and strengthening risk control. Therefore, the daily loan quota is limited, and it is necessary to grab the quota as soon as possible. If you apply for a loan later that day, it is very likely that the platform’s loan limit for that day has been used up. It is also possible that there is not much remaining credit, but users with better qualifications are given priority, while users with average qualifications are unable to borrow. It is recommended that you apply in the morning on a working day to avoid this kind of situation. 360 IOU relies on 360 Group's advanced Internet security technology and big data technology, and is based on massive user credit data and behavioral data. It is committed to improving the domestic personal credit system, improving financial service efficiency, reducing costs, and providing security and safety for various social groups with financing needs. Stable and convenient financial services. Advantages of loans: 1. Loans can relieve financial pressure. Many times when we do not have sufficient funds, that is, when we are short of money, we will choose a loan, such as buying a house or a car. When the house price and car price are right, and we want to buy it, but we don’t have money, the best way is Got a loan to buy a house. You can buy a house and a car with only a part of the down payment, spend comfortably first, and then repay the loan every month. 2. Loans can share risks. Another benefit of loans is that they can share risks with third-party platforms without having to bear too much pressure. For example, if you have 500,000 yuan and want to start a company, you need 400,000 yuan. You only need to pay 200,000 yuan yourself and then take out a loan of 200,000 yuan. If you lose all, your 200,000 yuan will be lost, and the bank loan of 200,000 yuan will be lost. There is still 300,000 yuan left, so you only need to repay the loan every month, and the remaining 300,000 yuan can be used to make a comeback. Isn’t this very convenient? 3. Loans can make money. The yield rate of many financial management products is much higher than the interest rate of banks. Many smart people will choose loans to manage their finances. The interest on the loans will be deducted from the transferred money, and they can still make a lot of money. However, investment risks are high, so it is recommended to do this when you want to be more confident. If you don't know anything, it is still recommended to be honest and not take out a loan to manage your finances. 4. Loans can ensure the flow of funds. Xiaoxiao Finance said that in life, whether it is a house loan, a car loan, a consumer loan or a student loan, the biggest benefit for us is to use bank money for consumption and use our own money for emergencies. Just now The story of starting a business shows that taking out a loan is a wise choice.

4. What are the online loan software?

Online loan scams:

Loan scam 1: No mortgage required

"No guarantee, no mortgage required", use these false advertisements to attract those who are in urgent need of financing. People who lend money lead people into scams. This type of fraudulent loan has almost no loan conditions, no mortgage or guarantee, and the interest rate is extremely "reasonable".

Loan scam 2: Pay fees before loaning

Generally, regular lending institutions will not charge any fees before successfully disbursing the loan, so if you apply for a loan online, the other party will ask you to If you pay handling fees and other fees first, it is usually a scam.

Loan scam three: ultra-low-interest loans

Compared with other lending institutions, the bank’s loan interest rate is the lowest. But even if the bank's loan is the lowest, the interest rate for small amounts will be around 8%. So if you apply online, if "30,000 to 100,000 yuan, the interest rate is only 1%, it is a scam.

Loan scam four: No collateral for mortgage loan, only ID card.

A mortgage loan requires collateral, a stable job, a stable salary flow, and good personal credit to successfully apply. There is no such thing as just using an ID card to obtain a loan.

If when applying online, the other party says that you can get a loan with your ID card, it is a scam. Do not fall for it.

Loan scam 5: No need to meet and fax the contract

Although you can submit application materials online for online loans, in the end you usually choose to sign the contract in person, so the other party said "No need to meet and fax the contract", It's a scam, don't fall for it.