On April 2, the task force arrested suspects suspected of "routine loan" in Xishan District, Wuxi City, Jiangsu Province and Yuncheng City, Shanxi Province, arrested nearly 500 suspects suspected of "routine loan" fraud, and escorted them back to Baotou 193.
It is understood that the two companies involved are Wuxi New Expectation Information Consulting Co., Ltd. and Yuncheng Ganxinen Network Technology Co., Ltd., and their registered business scope is software development services, enterprise management consulting, business information consulting and other businesses, all of which have no financial qualifications. The companies involved engage in illegal lending business activities through online platforms.
Unsecured, unsecured and fast loans are the main reasons to attract victims. "Under normal circumstances, it only takes a few minutes for the borrower to pass the audit, and then the company's financial staff will transfer the money to the borrower through Alipay." Ji Pinxuan, an investigator of the Criminal Investigation Detachment, told the reporter, "The main routine used by criminals is to recommend other borrowing channels to borrowers who can't repay on time, or sell personal information to other lending platforms, and induce borrowers to continue to write IOUs by robbing Peter to pay Paul, and collect overdue fees and high interest from them, thus inflating debts and ultimately making borrowers unable to repay." Lu Xiong, the captain of the organized crime investigation brigade of the Criminal Investigation Detachment of Baotou Public Security Bureau, gave an example to the reporter. The loan was 3,000 yuan, and the borrower actually got 2,300 yuan. 700 yuan paid the interest on the loan for one week; The loan amount displayed by the borrower through the online platform is 6000 yuan, and another 3000 yuan is used as loan guarantee.
It is understood that in order to avoid supervision and crackdown, the companies involved will basically not lend to the local people where the company is located, and the collectors will not come to collect debts. Lu Xiong told reporters: "There are three main target groups for criminals to illegally issue loans, entrepreneurs who lack funds, students who spend in advance, and people who have bad credit in banks and are blacklisted." The police who handled the case of routine loan gangs introduced that the gangs involved were all corporatized, and they purchased customer information through illegal channels. After the audit department screens out the customer information that meets their requirements, it will be handed over to the transportation department. The telephone service department makes telephone contact with customers, and then pushes customers who are interested in borrowing money to the sales department.
Subsequently, the business department will introduce the relevant rules to the customer, requiring the customer to carry out real-name authentication on the loan platform, obtain the customer's name, home address, photos of the front and back of the ID card, upload the information of the mobile phone address book, and obtain the customer's call records in the past six months through a third-party company to confirm that this number is the customer's common mobile phone number, so as to prepare for future collection. After the repayment time, if the borrower can't repay the loan normally, the financial staff will suggest renewing the loan. Lenders who neither renew nor repay their loans will be handed over to the collection department. The collection department belongs to the core department of the company involved, and the collection personnel generally take commission according to the collection results. The suspect Lu confessed to the police that during his college years, he borrowed money from students in the form of "campus loans" and earned interest from them.
With his sensitivity to numbers, after constant exploration, he used all the money borrowed from various channels for lending. There are more and more customers, and his illegal profit is as high as 1 10,000 yuan a day. From 20 17 to 1 1, Wuxi New Hope Company made illegal profits of more than 200 million yuan. Yuncheng Ganxin En Company made an illegal profit of nearly 100 million yuan. As a result, the backbone members of the gangs involved made huge profits, lived in luxury houses and bought many luxury cars. Most department heads and group leaders also enjoyed high salaries. At present, the case is under further investigation. But what surprised the Baotou police was that many victims did not cooperate with the investigation. Why did the victim refuse to cooperate with the investigation when he was illegally infringed? According to the police investigating the case, criminals have bad collection methods, and most of the victims have had the experience of being collected by various "soft violence".
In addition, the evidence of "routine loan" cases is mostly transfer records and chat records. It takes at least half a day to take notes when taking evidence, but the victim doesn't understand and thinks the process is lengthy and doesn't actively cooperate. According to relevant laws, those whose annual interest rate exceeds 24% are not protected by law. When you realize that you have encountered a routine loan, everyone should call the police in time and cooperate with the police to collect evidence. Only in this way can we better safeguard our rights and interests.