Low-interest unsecured loan

It keeps spreading like a virus.

Liars are actually not smart.

Why are so many people cheated?

In fact, not all deceived people are "stupid" and "naive"

but

Name, advantages and colors

Some people cannot resist the temptation.

Fear, worry and greed

Someone has lost his mind.

In the face of fraud, how to see through?

If you are cheated, how can you remedy it?

Two recent fraud cases in our city

It's also nerve-racking

I hope everyone can recognize the routine and learn from it.

One.

Ms. Y, a resident of Yichun, sent a short message link to download a loan software through a strange number and found that it was impossible to withdraw cash. The liar lied that Ms. Y's bank card number was incorrectly entered, which led to the freezing. She had to pay a deposit of 25,000 yuan before she could unfreeze the cash withdrawal, and repeatedly "guaranteed" that the loan would be returned to my account after it arrived. After Ms. Y paid, the other party claimed that the deposit amount was insufficient and induced Ms. Y to transfer another 25,000 yuan. Ms y still didn't show her money before she found out she was cheated.

2。

Analysis of the above contents:

Under the guise of "online micro-loan, unsecured, and fast payment", criminals use low interest as bait and use the victim's psychology of needing money to let the victim get into his own condom. When the time is ripe, they naturally propose to collect various fees such as "deposit, benefit fee, insurance fee and unfreezing fee", or commit fraud on the grounds of verifying running water and inquiring about credit information.

Be alert to the following:

To prevent online loan fraud, please go to a formal bank or formal financial institution for a loan. All formal units will not charge any fees in advance before lending. Remember, since it's a loan, how can I repay the other party first? This 100% is a scam!

"Four Questions" before transfer:

1. Why do you want to transfer money?

2. Do I know each other? Do I need to check and confirm?

3. Will I fall into the trap of fraud?

"Four musts" after being cheated:

1. Call 1 10 immediately or report to the public security organ. If it is timely, the public security organ can freeze the cheated money through the quick payment stop mechanism.

2. Keep the transfer voucher and cooperate with the public security organ to investigate the case.

3. Treat calmly and maintain physical and mental health and family harmony.

4. Learn lessons and educate people around you not to make the same mistakes.

Finally:

Yichun network police reminded:

Beware of "unsecured, low interest rate" online lending platform

Related Questions and Answers: Related Questions and Answers: How to get an unsecured loan? Hello, I'm Xu Yukun, an old bird in the loan industry for many years.

How to get a loan without a mortgage?

Generally speaking, loan products are divided into two categories: credit loans and mortgage loans.

From the questions raised by the subject, it can be concluded that the subject may directly deny the mortgage loan because of his own qualifications or subjective will.

Naturally, we only have the option of credit loan.

So in the current market, which credit loans are more mainstream and easier to operate?

Then, this will return to my personal specialty-how to match the corresponding products according to the personal identity of customers?

Generally speaking, credit loans are also divided into two categories:

1 category is the best mainstream product on the market at present, and it is also the most inclined national policy at present. It is a commercial loan for business owners or shareholders.

This kind of loan is a kind of credit loan product based on the customer's qualification as an enterprise legal person or an enterprise shareholder. Basically, they can be subdivided into-corporate tax loans, corporate business loans, and ordinary commercial loans; And high-tech enterprise loans supported by special policies when enterprises have high-tech labels or intellectual property rights.

There are several basic requirements for this kind of products in the market: first, whether you have applied for a business license for more than two years; Second, whether the enterprise paid taxes to the state normally in the past operation, and whether the tax amount met the requirements of relevant banks (such as annual tax payment exceeding 20,000); The third is whether the enterprise has field operations, and it is necessary to eliminate false operations or other irregularities. The fourth point is particularly important, that is, how about corporate credit? Does the enterprise have court enforcement or litigation, the credit information of the enterprise legal person or the company's important shareholders, and whether the enterprise has been lazy?

The above four points are important factors that determine whether an enterprise can operate credit loans. In addition, there are corporate tax rating, credit rating, and whether the certification of high-tech enterprises is interrupted. These are also important factors that determine the type and quantity of products, credit line and interest level. This is the product of 1

The second category of products is the personal credit loan products with the most transactions and contacts with customers in our market in recent years.

This product. Often tend to be personal, consumer-oriented loan products. Among the customers of this kind of products, the largest number of customers appear, usually office workers, or some self-employed and freelancers. It is difficult for the group to borrow money from banks in the name of enterprise (individual) operation.

For products that fall into this category, this requirement is more personal. Talk about the representative products of Ping An Pratt & Whitney, Pacific, Sunshine Credit Insurance and other companies-policy loans.

Such products are often based on personal past credit records, economic strength, repayment willingness and ability. After a comprehensive evaluation of the customer, the loan can be released.

Among the human credit products, the most mainstream and stable products on the market at present are: mortgage housing (mortgage housing) credit loans, policy credit loans, provident fund credit loans, and credit card loans from high-quality enterprises (such as state-owned enterprises and Fortune 500 companies).

In the product operation of these personal credit loans, a principle has been implemented-that is, the consideration of customers' stable repayment ability.

Because in any case, any business, including financial loans, should take cost risk as the first commercial operation principle.

Finally, I want to add a few words. Loan is a risky business, which requires a high degree of planning and good plan execution. Because the essence of credit loan is overdraft, it is to use tomorrow's money for today. Therefore, if the topic has not reached the point where it is necessary to borrow money, I personally suggest that you should think twice before you do it.

Well, that's my answer. I am Xu Yukun, an old bird in the loan industry for many years. A financial person who is proud of compliance and pursues professionalism.