Immediately consumer finance found that, with China's full entry into the Internet big data era, telecom fraud gangs in the fraudulent practices of digital "update iteration", through illegal means to buy all kinds of data portraying the consumer portrait, the victim will be classified, the development of accurate fraud program, such as access to recent shopping information using the shopping return means to implement fraud, such as access to dating platform data using the "kill plate" means to implement fraud. Shopping returns means to implement fraud, such as access to dating platform data after the use of "kill plate" means to implement fraud and so on. In order to avoid the monitoring of the public security organs, telecom fraud gangs often use offshore phones, virtual numbers, small numbers, chat software and other ways to contact the victim, through a well-designed storyline, so that the victim is y involved, unable to extricate themselves. Finally, through coercion, enticement and other ways to force the victim to apply for various types of loans in the process of telephone chat, voice chat, video chat, screen *** enjoyment, and transfer to the account of the telecommunications fraud gangs. To the victim caused huge economic losses and mental pressure, resulting in one after another happy family faces broken. So immediately consumer finance actively carry out financial knowledge popularization, so as to enhance the user's awareness of risk prevention.