Funds borrowed by enterprises from banks, other financial institutions and other units include credit loans, mortgage loans and trust loans. Borrowing can also refer to the funds borrowed by a person from financial institutions such as banks and other units and individuals, including credit loans, mortgage loans and trust loans.
A new Internet "P2P" model, that is, using the Internet as a platform to match the transactions between borrowers (peers) and individual investors (peers), investors are optimistic about the project and lend money to people in need.
The advantages of Internet P2P model are "fast, efficient, and not limited by region". In recent years, the "lightning borrowing" mode of mobile Internet and WeChat has gradually become popular, and the mobile Internet has more efficient and convenient attributes, which has brought a brand-new operation mode to traditional borrowing.
The main prevention methods are as follows:
(1) Don't make phone calls online at will.
Some fraudulent websites will leave their own contact information for you to call. At this time, we must be vigilant. First of all, we should have a comprehensive understanding, and then consider the next step. We can't be self-righteous.
(2) Take precautions against "phishing websites" when visiting official website. The so-called "phishing website" means that criminals use various means to fake the URL address and page content of the real website, or use the loopholes in the server program of the real website to insert dangerous HTML codes into some pages of the website to defraud users of private information such as bank or credit card accounts and passwords.
(3) Try to use the third-party payment platform for shopping.
When shopping on the website, consumers should try to avoid sending money directly to each other. They can use third-party payment platforms such as Alipay to conduct transactions. Once the other party is found to be fraudulent, it shall immediately notify the payment platform to freeze the money. Even if cash on delivery is adopted, it is necessary to agree to inspect the goods before paying, so as to prevent unscrupulous merchants from stealing the column. In addition, be sure to shop on shopping websites with high market recognition. In the process of payment, it is best to choose more secure payment methods such as Alipay and online banking. Remember not to transfer money in cash to avoid being cheated.
(4) Take care of your personal information and don't tell strangers casually.
Pay attention to keep your email address, QQ number and other related personal information, and try to go to Internet cafes or public computers as little as possible. Especially before sending money to others, be sure to check with friends or customers to avoid being cheated. The police also reminded netizens to be vigilant when receiving refund calls online, especially when the other party asks you to provide ID card, mobile phone number and relevant information of Alipay and bank card. Don't tell strangers your account number and password easily.