With the rise of the network era, there is a series of credit cards and so on overspending, of course, there are also many more online lending channels, when we are tight and do not want to talk to the surrounding loved ones and friends will be easy to think of online lending, because in real life it will be very easy to come into contact with the online lending APP ads, and through the ads to learn about the online lending that is glorified by a factor of N and ultimately "fall into the net". Some of them are more formal and have lower interest rates, while some are very informal, profiteering from them and making it difficult for borrowers to fall into a deadly cycle. I know of irregular online lending platforms such as People Loan, Seconds, and Gold Bullion.
One of the characteristics of the types of informal online lending
As far as I know, informal lending platforms have people lending, seconds, gold bars and so on, these online lending platforms basically have the same characteristics, such as appealing advertisements (the amount of money that can be lent to a large amount of money, the second to the account as well as the interest rate is less or repayment time is long and so on), and then a high interest rate or a high price of the fee, China's lending Interest has clear provisions can not exceed 24%, so many platforms will be in the interest side of the ball after the rubbing but also find ways to charge a high fee, of course, there are also some is directly ambiguous time division so that you accidentally need to pay a large sum of liquidated damages, in short, it is a variety of pits, only you can not think of, not what they can not do, many bad things.
Two, in addition to the above, the more serious consequences of the loan after the big data display and violent collection and so on.
Informal online lending can bring us the biggest problem on the one hand is the problem of integrity, and on the other hand is personal safety. We are now big data is very perfect, once there are borrowing will leave traces, especially in the late repayment is also very likely to be included in the credit, and these informal online loans can easily make us not enough to make ends meet, the financial deficit, can not be on time to pay back after the record to the credit inside, if the number of violations or more serious will be included in the integrity of the blacklist, then do what things will be limited; and more creepy is the violence of collection, many platforms, and the violent collection, and so on. There is more creepy is violent collection, many platforms are some violent organizations, although not as terrible as the former triad so exaggerated, but also enough to infringe on the victim, and there are a lot of borrowers will be forced to the top of the road. In addition to these, there are a lot of shortcomings and harm that we can not even think of, and there will always be people above the law, under the morality of the loophole, for the sake of profit without regard to the death of others, but also on the surface to do a bright and shiny, so there are too many platforms.
"One into the network loan deep like the sea", basically irregular network loan will try to drain the lender on the "last drop of blood", in addition to high, donkey-like interest will have a variety of high fees, so that we in the short-term We get financial relief at the same time into the abyss. Many people are taking advantage of the loopholes in the rules or maximizing the benefits by playing ball, so each of us must avoid the act of online lending, if indeed forced by the situation, then we should also do as much as possible to understand, and choose some formal online lending.
What are the typical characteristics of loan fraud1, cleverly named: generally speaking, credit loans are not charged before lending, much less in the name of various deductions from the principal. And irregular platforms will be charged for various reasons, such as handling fees, insurance fees, membership fees, packaging fees, risk premiums, security deposits, stamp duty, change the number of fees, fees, activation fees, capital inspection payments, do running water payments, thawing fees, back to the file fee, are more common fees, if you encounter this situation, to decisively reject, cancel the application, otherwise the handling fees coupled with the high interest rate, it will bring a heavy burden of repayment in the long run will gradually fall into the predicament of loan to loan.
2, application channels: formal loans are registered on the official website to apply, pay attention to the official two-dimensional code to apply, download the official website software to apply, will not be a customer service or staff, through WeChat or text messages, QQ and other social software to send you a link or two-dimensional code, this stranger to send you something, don't just click on it, it may be filled out personal information, you will be able to use a variety of reasons to ask for a code, and not to notice the card, the money will not be able to get the money, but the money will not be able to get the money. The first thing you need to do is to get your hands on a new computer, and you'll be able to get a good look at it.
3, the audit of the frozen account: once the loan application is submitted, the fraudster will call you for various reasons, such as filling out the wrong payment card number, online loan application frequently, payment timeout, account abnormalities, etc., so that you provide verification code or other information, do not give, the chances of being cheated are very high.
Which of the following is not a characteristic of online loan scamsFeatures of online loan scams: very easy lending terms. Requirement to pay fees in advance. Company documents, information is not clear. Website publicity, small scale. The subject of the crime is highly technical. Is a kind of concealment is very strong criminal behavior. The virtual nature of the network allows criminals to carry out fraudulent activities without face-to-face contact with the victim. Moreover, criminals in the fraud process often use false identity documents and other relevant information, it 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 when providing services to users and do not have features such as data protection. After criminals destroy or steal data, the system does not automatically retain traces of the crime, so it is more difficult to collect evidence and investigate afterward. Low cost of crime and high income. Criminals do not need to lock a specific crime object. They can modify information or publish fraudulent information by clicking a mouse on a computer on the Internet. In a very short period of time, they often get a large number or even a huge amount of income.
1, the network loan fraud crime is very wide. The network is not limited by time and space, so the location of this crime is not limited to a region or even a country, and the victims may also be distributed in multiple provinces and cities or even multiple countries and regions, which is a direct result of the domestic jurisdiction of multiple judicial organs or multiple countries and regions have jurisdiction over such crimes.
2, one is to increase the investigation and punishment, increase the cost of crime. Network financial fraud belongs to the crime of greed, mainly different from traditional crime. In the "Internet" era, the judiciary should attach great importance to the social harm of such crimes. Network financial fraud and traditional financial fraud in the violation of the legitimate rights and interests of property, destruction of financial management order has no substantive difference. The social harm of network financial fraud cannot be underestimated, and because of the different means and venues of crime, the mechanisms for discovering and accepting case clues and for rapid investigation and handling should be improved, and efforts should be made to improve the level of investigation and judicial appraisal, as well as the ability to recognize new types of cases and difficult and complex cases, especially the ability to collect, repair, review and judge electronic data. The highest judicial authorities should strengthen their research and formulate relevant regulations on electronic data, so as to lay a solid evidentiary foundation for punishing cybercrime in accordance with the law. By strengthening the investigation and punishment in accordance with the law, the number of crimes will be minimized, the cost of crimes will be increased, criminals will be effectively deterred, and the occurrence of online financial fraud will be prevented.
3, the second is to strengthen the typical case warning education, squeeze the criminal space. Network financial fraud is a new type of crime. Through the network of illegal fund-raising, phishing site fraud, "pseudo-P2P", network financial fraud and other typical cases, prompted by common illegal and criminal means, educate the public, especially network investors how to identify network financial fraud, and how to identify compliance Internet finance, for example, check whether the registration record of the website is real and credible, Internet financial platform is registered in the administration for industry and commerce, and whether the investment project has been approved and authorized. issued by the relevant departments. In addition, investors should also be reminded to rationally treat online financial announcements with high return promises, prompting them to report in time when they are cheated and save relevant evidence, such as photos of the page and computer screenshots. Improve the awareness of prevention, in order to effectively squeeze the space of illegal and criminal.
4, third is to strengthen the construction of the wind control system to enhance the safety of the Internet financial platform. Increase capital investment, strengthen technological innovation, through the 360 security center and other technologies to intercept financial investment phishing sites; the introduction of third-party service providers of data and technology to improve the Internet financial platform of the wind control and anti-fraud capabilities; to do a good job of upgrading the system of the Internet financial platform, strengthen the daily inspection, timely detection and improvement of system vulnerabilities; improve the credit system, make full use of big data to facilitate the Internet financial participants' identification and credit review.
How to determine whether a small loan company is legal and formalMethods to determine whether a small loan company is legal:
1, whether it will charge fees before lending. If there are various types of pre-lending fees, they are basically scams.
2, whether or not accounting for compound interest, that is, whether or not there is a "rolling interest" situation, if there may be a problem.
3, the interest rate is higher than the state regulations, according to the relevant provisions of the private lending interest rate can not be higher than 36%, otherwise the state does not protect.
4, whether the collateralized items in accordance with the law. Generally speaking, land ownership, land use rights, property seized by law can not be mortgaged. If there is a violation of the regulations, this loan company may not be legal.
Warm tips: online lending has some risks, please choose carefully.
If you have financial needs, you can also go through the official channels of our bank. Ping An Bank has introduced unsecured and unguaranteed credit loans, as well as mortgage loans and collateralized loans for houses and cars. The application conditions and requirements for different loans are different, and whether they can be approved successfully or not is assessed based on your comprehensive qualifications. You can log on to Ping An Pocket Banking APP - Loans to learn more and try to apply.
Answer time: 2021-09-16, the latest business changes, please refer to the official website of Ping An Bank announced subject.
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