How to make money scam

The number of users who submitted their names, ID photos, personal asset certificates, bank accounts, addresses and other personal privacy information. The amount on the fake loan app was huge, and a large number of victim users paid tens of thousands of yuan in so-called "guarantee fees" and "handling fees" to fraudsters, causing substantial damage to their economic interests.

Users of market platforms should bear review obligations and strengthen review, such as real-name registration of Apps and strict supervision; official Apps must strengthen monitoring. Once a counterfeit app or webpage is discovered, report it immediately and remind consumers promptly to prevent being deceived.

Intern Wang Yitian

Hou Li (pseudonym), a citizen of Weifang, Shandong Province, lost 10,000 yuan because of a fake loan app.

The name and icon of this App are the same as the "Youqianhua" App, a credit service owned by Duxiaoman Financial, and even the service content is the same. Hou Li, who was in urgent need of a business loan, didn't think too much and fell into the trap step by step under the guidance of the "loan manager".

With the rapid development and popularization of mobile Internet technology, various apps have penetrated into every aspect of people’s lives. At the same time, various fake apps have also surfaced. For example, a large number of fake loan apps have no real loan business and are just used by fraudsters to defraud users of their money and private information. Statistics from the Ministry of Public Security show that telecom fraud cases currently implemented through fake apps account for more than 60% of all telecom fraud cases.

It is difficult to distinguish the authenticity of Li Kui jy.

Deceiving the guarantee fee

In June this year, I received an application from a friend of Mr. Chen, who claimed to be the manager of the "Youqianhua" loan app. Because she needed money urgently for her business, she joined him with the mentality of giving it a try.

After becoming good friends, Teacher Chen told her that he could help her apply for “money to spend” internal channels to improve her performance. She can apply for a loan of up to 100,000 yuan without the mortgage of the RV and only with her identity information and repayment bank card. The only condition is that you can only download and register through the link and invitation code he sent.

In urgent need of money, I downloaded an App called "Youqianhua" according to Teacher Chen's instructions, and filled in the invitation code to register.

According to Houli, she was skeptical at first, but after seeing the sign using the program, she completely relaxed her guard. "The name and icon of the App are exactly the same as the official 'Youqianhua' App, and the content inside is also the same."

Then, Mr. Chen lobbied: "You are a special internal customer and enjoy the benefits of low loan interest, simple procedures, and fast disbursement."

After hearing these "benefits", Hou Li Very touched. Under the guidance of Teacher Chen, she applied for a loan of 50,000 yuan, but during the final loan process, she accidentally "——" and entered the wrong ID number or bank card number, and due to multiple loan failures , the funds have been frozen by the financial regulatory authorities. "Teacher Chen explained this way.

Later, Mr. Chen established a discussion group on the social platform, including Hou Li and another "customer service". This "customer service" uploaded a The document "processed by the China Banking Regulatory Commission" stated that Hou Licun was a fraud, and he had to pay a deposit of RMB 20 to prove that he was not intentionally fraudulent before transferring a total of RMB 60,000 in loans and deposits to Hou Li's bank card.

In order for the loan to be successful, Hou Li deposited a deposit of 10,000 yuan into the account designated by the other party. When she tried to contact Ms. Chen and the "customer service" again, she realized that the other party had already blackmailed her. She was deceived and the app she downloaded turned out to be a high imitation of the "Youqianhua" app.

Hou Li's experience was not an isolated one. As early as 2018, the National Internet Emergency Center website released the "2018". "Overview of my country's Internet Security Situation" pointed out that more than 1.5 million users submitted personal privacy information such as names, ID photos, personal asset certificates, bank accounts, addresses, etc. On fake loan apps, a large number of victim users paid tens of thousands of yuan to fraudsters. The so-called "guarantee fees" and "handling fees" have caused substantial damage to their economic interests.

The hidden information reselling chain

It is difficult for users to guard against various tricks.

In order to combat, prevent and control new illegal crimes such as telecommunications networks

However, recently a fraud gang produced an App of the same name that was highly imitated by the "National Anti-Fraud Center" to commit fraud. Under the banner of "country" and on the pretext of being suspected of economic crimes, these people gradually defraud downloaders of their money by unfreezing assets and checking funds.

“One trick is to force loans by downloading apps and charge high interest, or to induce consumers to recharge members by increasing the payment speed and amount, which is actually useless; another trick is to ask for tap water, unfreeze In the name of freezing the account, they asked for personal contact information, pretended to be a regular credit brand customer service staff, asked for users' personal information, and induced transfers to bank accounts," the staff said.

Yang once handled a case in which a criminal suspect collected personal information outside the scope of a fake App and sold it multiple times. A piece of information was sold for one yuan, and in the end the illegal profit was 110,000 yuan.

What does this information reselling chain look like? Yang explained with an example: "The suspect steals precise personal information through fake apps, analyzes what needs you may have, collects this information, and then sorts it out and sells it to real estate, educational institutions, etc., forming an upstream and downstream black industry chain."

Multi-pronged supervision

Ordinary users are more discernible.

On May 26, the National Internet Emergency Center released the "Overview of my country's Internet Network Security Situation in 2020" stating that with the continuous advancement of malicious App governance, the number of malicious Apps on regular platforms has shown a downward trend, and fake It is difficult for fake and inferior apps to be put on the shelves, and it is also difficult to spread them through regular platforms. Instead, some new ways of spreading are adopted.

Therefore, Ren Chao suggested that the relevant regulatory authorities should increase the rectification of industrial chains such as market use, telemarketing, and text messaging to purify the market environment. At the same time, they should increase penalties for fake loan apps and increase the cost of violating the law. .

“For the control of market apps, it is necessary for regulatory agencies and market companies to further communicate, cooperate with market supervision departments, and promote the market to develop a license-based app management mechanism. Those without licenses or permits will be dismissed Those with licenses and permits must also check whether the App business exceeds the scope of business licenses. For financial and loan usage programs, legislation on financial online services must be introduced to supervise the use of financial services on the program side," Ren Chao said.

He also mentioned

that the use of market platforms should bear review obligations and strengthen review, such as real-name registration of Apps and strict supervision; genuine official Apps should be strengthened to monitor, once If you find a counterfeit app or web page, report it immediately, and promptly remind consumers to prevent them from being deceived.

Xu Yue, Propaganda Department of the Jiangsu Provincial Consumer Protection Commission, proposed that the government and consumer protection organizations should strengthen publicity and education; consumers should constantly increase their awareness of vigilance, prudently distinguish whether the information content is true or false, and pay attention to suspected fraud and related crimes. Pornographic transactions and other content must be reported to the relevant departments proactively. Related questions and answers: