How harmful is illegal financial lending? In Banyan Tree, we remind that common illegal financial loans are usually hidden under the cloak of "routine loans", "campus loans" and "cash loans" to make illegal profits. The following typical cases help you understand the harm caused by these fancy scams.
Fall into the trap of "routing loan"
Suffer from malicious debt collection
Mr. Wang borrowed 40,000 yuan from a financial company because he needed money urgently for his business, and he could not repay the principal and interest at maturity. The financial company introduced Mr. Wang to a loan from another so-called upstream company. Mr. Wang was convinced that he fell into the trap of "routine loan" step by step and was forced to stage a repayment drama of "robbing Peter to pay Paul". A year later, Mr. Wang's loan accumulated from the initial 40,000 yuan to 600,000 yuan, unable to repay, and was constantly blocked by debt collection gangs, which led to a mental breakdown and finally chose to call the police.
Case analysis: criminals often solicit business in the name of "small loan companies" under the guise of "private lending". After the victims sign loan contracts with them, a series of routines follow. Criminals often set up layers of traps by means of inflating debts, arbitrarily identifying breach of contract, and false litigation, and finally illegally occupy other people's property. In this process, the borrower will not only lose money, but also be threatened.
Identity information was fraudulently used.
Owe a huge loan
Xiao Lin, a college student, wants to give his girlfriend a laptop as a birthday present. However, Xiaolin's family is not well off, and the living expenses given by his parents are limited every month, so it is difficult to pay for the computer. One day, Kobayashi saw on the Internet that a campus loan platform provided short-term loans, and the procedures were simple. Desperate for money, he immediately dialed the contact number and provided information such as ID card and student ID card according to the requirements of the other party. After the other party got Kobayashi's materials, he pretended to be Kobayashi to handle the loan, but told Kobayashi that the loan had not been completed, which caused him to owe a huge loan and was unable to repay it.
Case study: College students' strong consumption demand and advanced consumption concept provide a breeding ground for illegal campus loans. Some unscrupulous peer-to-peer lending platforms aim at the vast market of college students, and induce college students to borrow money from them by spreading false advertisements such as "fast loan, low threshold and no guarantee", asking for college students' information and pretending to be college students' loans, resulting in college students owing huge loans.
Borrow 1 10,000 and return 1 10,000.
Ms. Chen runs a fruit shop. Recently, she has a payment to make, but she is short of funds. Once on the Internet, a "cash loan" advertisement popped up on the webpage touched her. According to the prompt on the application page of "cash loan", Ms. Chen provided her ID number and applied for 6.5438+0 million yuan, but only got 7,000 yuan. Later, when the loan expired, I was told to pay back more than 65,438 yuan. Ms. Chen was unable to repay the loan, and the dunner began to harass her parents. In desperation, Ms. Chen's parents paid off the loan by borrowing from relatives and friends.
Case analysis: criminals attract victims to borrow money under the guise of "low interest rate" and "zero interest rate". The seemingly attractive loan conditions are actually traps. Once the borrower believes it, he takes the first step of being cheated. After signing the loan contract, criminals will charge various fees in the name of service fee, operation fee, overdue fee and late payment fee. , disguised to raise interest rates, violent collection, affecting the normal life of borrowers and their families.
Consume rationally, borrow reasonably, and stay away from illegal financial lending. At Banyan Tree Bank, we remind the general public: we should establish a correct consumption concept, live within our means and borrow rationally; When there is a loan demand, you should choose a legal and compliant financial institution to handle the loan; Be wary of unfamiliar telemarketing and illegal online lending, and confirm and verify through multiple channels to avoid personal property losses; Pay attention to keep your personal identity documents, don't lend your identity documents or bank cards, and don't disclose personal information to others at will. In case of illegal financial lending, we should actively seek legal means to safeguard legitimate rights and interests, pay attention to collecting relevant evidence materials, and report the case to the public security organ in time.
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