With the rise of the Internet era, there are a series of advanced consumption such as credit cards, and of course there are many online lending channels. When we are short of money and don't want to talk to relatives and friends around us, we will easily think of online loans, because in real life, we will easily come into contact with the advertisements of online loan apps, and we will learn that online loans have been beautified N times through advertisements, and finally "arrested". Some are more formal, with lower interest rates, while others are very informal, making huge profits from them, which makes it difficult for borrowers to turn around in an endless cycle. The informal online lending platforms I know include Renren Loan, Secondhand Loan and Gold Bar.
I. Types and characteristics of informal online loans
As far as I know, informal lending platforms include personal loans, second minutes, gold bars and so on. These online lending platforms basically have some similar characteristics, such as attractive advertisements (large loan amount, second arrival with low interest or long repayment time). ), followed by high interest or sky-high handling fees. China clearly stipulates that the loan interest cannot exceed 24%. Therefore, many platforms will try their best to charge high fees after scratching the edge in terms of interest. Of course, there are also some direct and ambiguous time divisions, which make you pay a large amount of liquidated damages carelessly. In short, there are all kinds of pits, only you can't think of them, and there are many disadvantages that they can't do.
Second, in addition to the above, the more serious consequences after the loan are big data display and violent collection.
Informal online lending can bring us the biggest problem, on the one hand, honesty, on the other hand, personal safety. Our big data is now perfect. Once there is a loan, it will leave traces, especially when it is overdue, and it is very likely to be included in the credit report. These informal online loans can easily make us make ends meet, and the financial deficit cannot be repaid on time. Then it will be recorded in the credit report. Those who violate the rules frequently or seriously will be included in the credit blacklist, so what we do will be restricted; What is even more frightening is the violent collection. Many platforms have some violent organizations. Although it is not as terrible and exaggerated as the underworld before, it is enough to infringe on the victims, and many will push the borrowers to the wall. In addition to these, there are many shortcomings and hazards that we can't even think of. There will always be people who take advantage of the loopholes in law and morality, regardless of the lives of others for the benefit, but they are glamorous on the surface. There are too many such platforms.
"Online loans are as deep as the sea every day", and basically informal online loans will try their best to squeeze out the "last drop of blood" from the lender. In addition to the high and rolling interest, there will be various high fees, which will help us to get financial relief in a short time while rolling in the deep. Many people use loopholes in the rules or scratch the edge to maximize their interests, so each of us should avoid online lending. If it is really forced by the situation, then study as much as possible and choose some formal online loans.
What are the typical characteristics of loan fraud?
1, various excuses: Generally speaking, credit loans will not be charged before lending, nor will they be deducted from the principal in various names. Informal platforms will charge fees for various reasons, such as handling fees, insurance fees, membership fees, packaging fees, risk fees, deposits, stamp duty, number change fees, production fees, activation fees, capital verification fees, running fees, unfreezing fees, and filing fees, which are all common fees. If this happens, you should resolutely refuse and cancel the application, otherwise the handling fee and high interest rate will bring a heavy repayment burden.
2. Application channels: formal loans are registered in official website, followed by official QR code application and official website software download. Customer service or staff will not send you a link or QR code through social software such as WeChat or SMS or QQ. Don't click on anything that strangers send you. May fill in personal information and ask you for verification code for various reasons. Careless, Cary's money was transferred away.
3. Freeze the account during the audit: Once the loan application is submitted, the scammer will call you for various reasons, such as filling in the wrong receipt card number, frequent online lending, overdue repayment, abnormal account, etc. , and ask you to provide verification code or other information. Never give it, the probability of being cheated is very high.
Which of the following is not a feature of online loan fraud?
Characteristics of online loan scam: loan conditions are very easy. Ask for payment in advance. The company certificate and information are unclear. Website promotion, small scale. The theme of crime is highly technical. It is a kind of crime with strong concealment. The virtual nature of the network enables criminals to engage in fraudulent activities without face-to-face contact with the victims. Moreover, criminals often use false identity documents and other related information in the process of fraud, which is difficult to track and locate.
Criminal evidence is difficult to obtain. The data in the computer can be easily tampered with and deleted, leaving no trace after deletion. In addition, many information systems do not have strong security settings and data protection functions when providing services to users. After criminals destroy and steal data, the system will not automatically keep criminal traces, so it is difficult to obtain evidence and investigate afterwards. The cost of crime is low and the income is high. Criminals do not need to target specific crimes. They can modify information or publish fraudulent information by clicking a mouse on a computer on the Internet. In a very short time, they often get a lot or even a huge income.
1, the crime of online loan fraud is very wide. The network is not limited by time and space, so the location of this crime is not limited to one region or even one country, and the victims may also be distributed in many provinces and cities or even many countries and regions, which directly leads to the jurisdiction of many judicial organs or countries and regions in China.
2. First, it is necessary to intensify investigation and increase the cost of illegal crimes. Internet financial fraud is a greedy crime, which is mainly different from traditional crimes. In the era of "Internet", judicial organs should attach great importance to the social harmfulness of such crimes. There is no substantial difference between online financial fraud and traditional financial fraud in infringing on the legitimate rights and interests of property and undermining the order of financial management. The social harm of online financial fraud crime should not be underestimated. Because of the different means and places of crime, it is necessary to improve the mechanism of case clue discovery, acceptance and rapid investigation, strive to improve the level of investigation and judicial expertise, and improve the ability to identify new and difficult cases, especially the ability to collect, repair, review and judge electronic data. The supreme judicial organ should strengthen research, formulate relevant regulations on electronic data, and lay a solid evidence foundation for punishing cyber crimes according to law. By strengthening the investigation and punishment according to law, we can minimize the number of crimes, increase the cost of illegal crimes, effectively deter criminals and prevent the occurrence of online financial fraud.
3. The second is to strengthen the warning education of typical cases and squeeze the crime space. Internet financial fraud is a new type of crime. Through typical cases such as illegal fund-raising on the Internet, phishing scams, "pseudo-P2P" and online financial fraud, the common illegal and criminal means are suggested, and people, especially online investors, are educated on how to identify online financial fraud and how to identify compliant Internet finance, such as whether the website registration is authentic, whether the Internet financial platform is registered in the administrative department for industry and commerce, and whether the investment project has been approved. Issued by relevant departments. In addition, investors should also be reminded to treat the financial publicity promised by the network with high return rationally, and prompt investors to report in time after being cheated, and keep relevant evidence, such as page photos and computer screenshots. Only by improving the awareness of prevention can we effectively squeeze the space for illegal crimes.
4. The third is to strengthen the construction of risk control system and improve the security of Internet financial platform. Increase capital investment, strengthen technological innovation, and intercept financial investment phishing websites through technologies such as 360 Security Center; Introduce the data and technology of third-party service providers to improve the risk control and anti-fraud ability of the Internet financial platform; Do a good job in upgrading the Internet financial platform system, strengthen daily inspections, and timely discover and improve system vulnerabilities; Improve the credit information system, make full use of big data, and facilitate the identification and credit review of Internet financial participants.
How to judge whether a small loan company is legal and formal?
The method of judging whether the microfinance company is legal;
1. Will there be a charge before lending? If there are various pre-loan fees, they are basically deceptive.
2. Whether to calculate compound interest, that is, whether there is "rolling interest", if there is, there may be problems.
3. Interest is higher than the national regulations. According to relevant regulations, the interest of private lending cannot be higher than 36%, otherwise the state will not protect it.
4. Whether the mortgaged items comply with the law. Generally speaking, land ownership, land use right and legally sealed property cannot be mortgaged. In case of violation of regulations, the loan company may violate the law.
Tips: Peer-to-peer lending has certain risks, so please choose carefully.
If you need funds, you can also handle them through our official channels. Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the examination and approval can be successful is evaluated according to your comprehensive qualifications. For details, please log in to Ping An Pocket Bank APP- Loan and try to apply.
Reply time: 202 1-09- 16. Please refer to the latest business changes announced by Ping An Bank in official website.
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