Personally think the possible risks are as follows!

1. Customer's loan information (ID card, household registration book, real estate license, land certificate, credit information, house information, bank card, business license, insurance fund, social security, etc.). ) there is a risk of leakage.

Suggestion: customers should pay attention to the good use of paper reference room materials, such as for reference only.

2. In the process of loan, customers will encounter some materials that do not meet the bank standards. The loan intermediary will package materials for the customer, such as business license. That's true, at least. Some people falsify traffic because the running water is not up to standard and the credit information is not up to standard. Erasing the defects of credit information by computer P-chart technology (it is illegal to change credit information) will bear legal responsibility.

Suggestion: Each audit link should be checked in person and understood clearly in advance.

3. Sign some yin-yang contracts, the actual loan amount and repayment amount are too different, falsely report the expenses and behead the customers. If it is serious, it will lead to the ruin of customers.

Suggestion: When signing a contract, be sure to ask about the cost, interest and time limit, and read every page of the contract carefully.

4. Basic information has been processed, such as the business license has been fraudulently used by others (with the same name and surname), so after completing a loan, you must take back the information certificate (original) provided before.

Second, is the offline intermediary packaging information loan reliable?

Mainly depends on the strength of the intermediary, as well as whether the intermediary is formal, not easy, and the pass rate is high. When signing a contract, you must read the contents of the contract clearly, whether to borrow from a regular bank, what kind of loan, how to calculate the interest, how to repay the loan, how much to borrow from your bank card, and how many people know. I hope I can help you.

Third, I am a black household, and I found an intermediary and said that I can get a loan! First question, I packed it for 500 yuan. ...

Online loan risk warning: those loans that require you to pay the advance payment or the first month's interest are all liars. Be careful when you pay. He won't give you money. As long as the money doesn't hit your card, it's a liar to charge you in advance and pay the first month's interest! Anyone who asks you to pay in advance, more than 99% will cheat you. After you give him the money, his phone number, QQ and WeChat can't be contacted anymore. Therefore, those who ask you to transfer money and remit money before the money arrives are liars!

4. Is the black intermediary packaged loan credible?

Generally, it is possible, but only half of it is available.

A packaged loan is a regular loan. Usually refers to the so-called packaging upgrade of customers' own credit through various illegal means, so as to borrow money from banks and other financial institutions, and then earn the difference. The customer finally got only a small part, but owed a large loan to the bank.

Since the state cracked down on "routine loans", many "black-hearted" loan companies have been punished as they should, and advertisements such as "quick loan payment and credit stain" have disappeared from the market.

However, the reporter of China Business Daily noticed that the number of black intermediaries charging huge packaging fees in the name of "packaging loans" has increased. Black intermediaries "package" people in need of loans into executives of shell companies, and at the same time lend them money in the form of wages, forming a flowing bank. After "packaging" their qualifications, they will continue to lend to financial institutions.

2065438+09129 October, 19, Guangdong Provincial Public Security Bureau issued a document to be on guard against this kind of fraud. In the published cases, some of the deceived people were loaned 915,000 yuan and only got 45,000 yuan. The National Business Daily reporter searched for the keyword "packaged loan" and found that such advertisements were not uncommon on the Internet, but after clicking on it, they jumped to the online loan platform.