On the afternoons of 2002 1,1and 2 1, the customer Lv Mou came to mingguang city Branch of Postal Savings Bank to ask the following questions: After downloading the APP loan of Postal Savings Bank, enter his own card number, check that the card number is correct, and the system prompts that the card number is wrong and cannot be received. After carefully checking the "Postal Savings Bank APP" downloaded by the customer, the account manager of the bank found that the APP has the same appearance as the real machine of the Postal Savings Bank, but its name is "Postal Savings Credit".

Upon inquiry by the staff, the customer described the incident. The customer said that he had received a short message from the Postal Savings Bank with a link to the website. Because customers need funds recently and want to APPly for loans, they click on the website and download an app called "Postal Savings Credit". According to the prompt of the APP, the customer enters personal identification information and bank card number, and then applies for a loan of 200,000 yuan according to the prompt. The application shows that the application is successful. However, when the customer is ready to withdraw the cash, the APP prompts that the bank card is wrong, and the customer contacts the other party, and the other party asks him to download an APP called "sugram Chat". Then, an account manager who claimed to be an "agent" contacted the customer and asked the customer to perform various operations such as video display of the ID card, and told the customer that the money could not be remitted to the account because of the CBRC, and the customer needed to remit more than 17000 yuan to lift the ban, otherwise, not only would he not get the money, but he would also deduct more than 17000 yuan from the account every month, which would affect the customer's credit investigation.

After learning about this incident, the bank staff checked the chat screenshots displayed by the customers and the APP downloaded on the mobile phone, and pointed out to the customers that this APP is a false and forged "Postal Savings Bank" APP, which is a telecom fraud implemented by criminals. As a result, the staff showed the real APP and application interface to customers, and explained the loan process to customers: First, the credit business employees are all official employees of the bank, and there is no "agent" for credit business. Second, the loan will not charge any formalities to the customer, and there is no need to ask the customer to remit money for any reason. In addition, we have carefully explained the new modus operandi of telecom fraud in recent years to our customers, reminding them to strengthen the protection of personal information, not to click on unknown websites and links at will, and not to trust unidentified people to ask for remittances, money, payment passwords, phone calls or text messages with verification codes in any name. After listening to the patient explanation of the staff, the customer Lu realized that he had come to the bank for consultation in time and did not continue to operate. At this point, with the trust of customers and the help of staff, mingguang city Sub-branch successfully intercepted this telecom fraud incident, which enabled customers to avoid the loss of large sums of money.