2. At any stage of private lending, we must firmly establish the consciousness of "receiving one income", even if the relevant evidence has been fixed. The requirement of not providing relevant receipts after payment should be explicitly rejected or required to be realized by bank transfer, and the purpose of the money should be indicated when transferring.
3. If you have been "loaned by routine", you must first ensure your personal safety and avoid contact with actors who are "loaned by routine". We should actively seek the assistance of public security organs and lawyers for threats, extortion, high interest and liquidated damages of the implementers of "routine loans", and don't try to be brave and resist.
4. Try to choose financial institutions directly supervised for financing. Choosing standardized financial institutions for financing is an important measure to avoid being "routinely loaned". When choosing a standardized financial institution for financing, you should contact the financial institution directly, and avoid contacting with various "capital brokers" and "project brokers" or borrowing money from financial institutions through them. In order to prevent financing from being "routine" in the middle.
5. For financing with a large amount or financing behavior that may exceed one's future solvency, a professional lawyer shall be hired to review the legal risks that may be involved in the relevant transaction documents and transaction structure, so as to reduce the uncertain risks that may occur in the future to the initial stage of financing.
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Methods to identify whether the loan platform is formal:
Anti-fraud skill 1: First, check whether the documents of the loan company are complete, including business license and business license. When borrowing money from the loan company, the borrower should try to let the loan company issue these documents.
Anti-fraud skill 2: See if there is a fixed business place. Formal loan companies have fixed business premises and contact information, while informal companies generally only have a website and a mobile phone number. If you want to make sure of this, the borrower had better make a field trip.
Anti-fraud skill 3: Do such loan companies charge fees when applying for loans? Generally, regular companies will not ask borrowers to pay any fees before issuing loans, and most of them are scammers who start charging fees before lending.
Anti-fraud tip 4: Is the loan interest rate too low? According to the national laws and regulations, the loan interest rate of a regular loan company cannot exceed four times that of similar products of banks, but the interest rate is relatively high. If the interest rate of the loan company is very low at first, it means there is a problem. They just want to get your attention.