After the application is approved, I will ask you for 3% of the production fee. After the payment, I will pretend to punch in the money, deliberately freeze your account and let you pay the thawing fee, and you will get deeper and deeper.

Online loan fraud is a new type of fraud means, mainly through deception, allowing the deceived to make online loans, thus defrauding others' money.

In August 2020, according to the statistics of Beijing Sunshine Consumer Big Data Research Institute, in the first half of 2020, the whole network * * * monitored 368,205 pieces of online loan fraud public opinion information.

Fraudulent steps

Online loan fraud is divided into six steps.

The first step, drainage, is that some users who have browsed the "loan" advertisements on the Internet find it difficult to realize that they have been marked as "potential customers" by big data, and then they will push more loan advertisements, including those pushed by fraud gangs.

The second step is linking. "Potential users" click on the SMS link sent by the scammer, and they will enter the webpage made by the scammer or the download link of the App. These pages generally counterfeit some well-known loan platforms.

The third step is to fill in the information. Fraudulent platforms, like regular loan platforms, require a series of personal privacy information, including name, mobile phone number and ID number. Once these "potential customers" submit personal information, they become "accurate materials" in the eyes of fraud groups.

The fourth step, put bait, the liar will make the user's personal loan amount interface appear loan amount, so that the victim feels that large loans are within reach;

The fifth step is to deposit. When the victim wants to withdraw cash from the loan platform, the so-called customer service will offer to pay a certain percentage of withdrawal fee and deposit. Many people who are eager to borrow money have decided to transfer their money after seeing their loan quota.

Step six, the information is wrong. After paying the withdrawal fee, the victim thinks that when the withdrawal is about to arrive, he will generally receive a reminder that the information such as bank card or ID card is incorrectly filled and cannot be withdrawn. But this is just a trick of swindlers, who deliberately create the illusion of filling in errors through background programs. Next, the victim will be induced to transfer money to his account on the grounds that the withdrawal fails, the account is locked, and the payment needs to be unfrozen, until the victim finds out that this is not "online loan" but "online fraud".