With the development of the Internet, online lending platforms have gradually appeared in the public's field of vision. They rely on online trading mode to illegally steal user information, thus expanding the market scale. Because it is a new thing, the country did not introduce a supporting management system at the beginning, which led to the online lending platform taking the opportunity to charge high interest, which seriously endangered the property safety of the public.
Since 20 15, the state has strengthened the management of the online loan industry and successively issued a series of regulations on internet finance management. Recently, Shanghai police cracked down on 23 peer-to-peer lending platforms according to law.
In order to catch all criminal gangs, the Shanghai police conducted investigations for more than two months and finally successfully arrested 86 members of criminal gangs. They used more than 200 mobile phones and 60 computers to commit crimes, involving 630 million yuan, and the return on capital reached more than 100 times. So far, the 23 online lending platforms they own have been forced to stop operating.
And how did they do it on such a large scale? The criminal gang began to raise funds in April 2020, and then successfully developed 23 lending platforms through cooperation with other technology companies. After the official online operation, they will sneak into other lending platforms through improper means to obtain a lot of customer information. After getting the contact information, they will start to promote the target customers.
The reason why online loans can develop rapidly is to grasp the psychology of people who need money badly. These online lending platforms mainly use "unsecured and unsecured" as bait when publicizing. With the advantages of simple review process and fast loan, it quickly won the support of customers.
But this is not the case. When lending, the lending platform will swallow part of it. That is to say, if you borrow 2000 yuan from the platform, all you actually get is 1400 yuan, and the amount to be repaid after five days is as high as 2500 yuan, and the interest charged by the lending platform is 1 100 yuan, which is equivalent to the daily interest of 65438.
Ms. Wang from Shanghai entered the "trap" of the loan platform. In February, 20021,Ms. Wang received Friend Request, a member of a criminal gang. The other party's remarks were information such as quick loans, and Ms. Wang met her personal needs through this Friend Request.
Ms. Wang entered the online loan platform according to the requirements of the other party. After uploading a series of materials, she successfully borrowed 2,000 yuan, but Ms. Wang only received 1.400 yuan. Since then, she has continuously borrowed 1 10,000 yuan from the APP.
But what Ms. Wang didn't expect was that the online loan gang changed the repayment date at will and still had to pay a 20% handling fee every day. In the case of rolling interest, for more than two months, Ms. Wang owed RMB 6,543,800+0.47 million.
In order to urge Ms. Wang to repay the loan, criminal gangs will constantly harass themselves, their relatives and friends by telephone, and even use illegal means to intimidate. Ms. Wang was finally forced to sell her house to pay her debts.
Now that 23 online lending platforms have stopped operating, do other borrowers still need to repay? At present, it is certain that most of them do not need to repay debts.
First of all, the criminal gang has constituted an illegal crime in its behavior. According to the past examples, the principal offenders will face imprisonment for more than 10 years, which also means that their illegally obtained funds are not protected by law.
Secondly, the interest on the funds they charge is very high, which has exceeded the scope of repayment. According to national regulations, the limit of private lending is four times the preferential interest rate of one-year loans. At present, the basic interest rate is 3.85%, which is equivalent to 15.4%. Obviously, the interest charged by the online lending platform is not within this range.
For example, if you borrow 2000 yuan from the online loan platform, the interest within the legal scope is 308 yuan. At that time, you only need to repay 2308 yuan to this platform, and the excess is not within the scope of repayment. Therefore, in the case that the online lending platform is illegal, the debtor does not need to repay as required.