Just delete the record on the mobile phone. It is impossible to delete the records kept by the telephone company. Online lending, also known as P2P online lending. P2P is the abbreviation of English peertopeer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

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1, the biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. The number of online lending platforms has increased rapidly in China in the past two years. At present, there are about 350 active platforms, and the total number has reached more than 1600 in August of 20 14.

2. In the initial development of P2P lending platform, most entrepreneurs are Internet entrepreneurs, and they have no experience in private lending and related financial manipulation. As long as the borrower provides personal information on the platform, the platform will grant a certain credit line after review, and the borrower will post the loan target on the platform according to the credit line.

3. However, due to the imperfection of China's citizen credit system and the lack of communication between platforms, there is a problem that a borrower borrows from multiple online lending platforms at the same time. The most famous borrower in Tianjin, whose net name is Tan Ke, borrowed more than 5 million yuan from various platforms, which eventually became bad debts of various platforms due to overdue.

Second, how to cancel the online loan authorization call record and address book?

Just delete the record on the mobile phone. It is impossible to delete the records kept by the telephone company. Online lending, also known as P2P online lending. P2P is the abbreviation of English peertopeer, which means "person to person". Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

Expand:

1, the biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. The number of online lending platforms has increased rapidly in China in the past two years. At present, there are about 350 active platforms, and the total number has reached more than 1600 in August of 20 14.

2. In the initial development of P2P lending platform, most entrepreneurs are Internet entrepreneurs, and they have no experience in private lending and related financial manipulation. As long as the borrower provides personal information on the platform, the platform will grant a certain credit line after review, and the borrower will post the loan target on the platform according to the credit line.

3. However, due to the imperfection of China's citizen credit system and the lack of communication between platforms, there is a problem that a borrower borrows from multiple online lending platforms at the same time. The most famous borrower in Tianjin, whose net name is Tan Ke, borrowed more than 5 million yuan from various platforms, which eventually became bad debts of various platforms due to overdue.

Third, the mobile phone loan has read the address book. Can I cancel it if I record it?

You can't cancel it. If the loan APP applies for access to the user's address book, the user can confirm it and read it at will. In fact, when installing, it will have the right to prompt the app to apply, but usually users will not read it and agree directly. He also said that if it is not directly accessed by users at all, this situation is rare, and general apps can't do it.

As for the similarities and differences between Apple and Android phones in this respect, Li Juanru said that the Apple system will pop up a prompt, which also needs the user's confirmation. As long as the user confirms that it is also reading at will, this aspect is no better than the privacy protection of Android, and Android depends on the version. Version 5.0 and above, only prompted when installing this APP. After 6.0 and some earlier versions customized by domestic manufacturers, by default, there will be a prompt when there is an access request.

But does this hint really work?

"In fact, the user's address book is very likely to be monitored by the APP, and the behavior of collecting user data is very frequent. Many apps do it blatantly, even if they are constantly prompted, users will agree if they are bored for a long time, "Li Juan said.

Will P2P lending turn to selling users' address books and other privacy?

An online loan industry insider said that even if regular internet finance companies have mastered user data such as mobile phone address books, they will not sell them maliciously, but if the system is hacked, the security of these materials will be difficult to guarantee.

Unfortunately, the security index of Internet finance APP is not high. The Information Security Status of Mobile Internet Finance APP 20 15-20 16 released by the Information Industry Communication Software Evaluation Center of China Information and Communication Research Institute in August this year shows that there are many problems in Internet Finance APP, such as misuse of encryption algorithm, insufficient protection of network transmission, lack of protection measures for applications, and leakage of sensitive information of local files and system logs.

The report shows that 15% of the data interacting between Internet financial app and server is transmitted through clear communication channel, which may lead to the complete exposure of confidential data such as users' financial transaction information and passwords to attackers. After the attack is successful, the hacker can not only monitor all the transaction information of the user, but also tamper with the transaction content and even impersonate the user to log in to the transaction.

In addition to hacker attacks, the phenomenon that insiders leak customer information after leaving their jobs also poses a threat to user privacy. Employees of an online stock trading software company told the newspaper that many users of the software reported to the company that they were harassed by similar product sales calls. After investigation, it was found that the reason was that an internal salesperson sold his responsible user address book to a rival company after leaving the company, and then the software company called the police.

Fourth, the mobile phone loan has read the address book. Can I cancel it if I record it?

You can't cancel it. If the loan APP applies for access to the user's address book, the user can confirm it and read it at will. In fact, when installing, it will have the right to prompt the app to apply, but usually users will not read it and agree directly. He also said that if it is not directly accessed by users at all, this situation is rare, and general apps can't do it.

As for the similarities and differences between Apple and Android phones in this respect, Li Juanru said that the Apple system will pop up a prompt, which also needs the user's confirmation. As long as the user confirms that it is also reading at will, this aspect is no better than the privacy protection of Android, and Android depends on the version. Version 5.0 and above, only prompted when installing this APP. After 6.0 and some earlier versions customized by domestic manufacturers, by default, there will be a prompt when there is an access request.

But does this hint really work?

"In fact, the user's address book is very likely to be monitored by the APP, and the behavior of collecting user data is very frequent. Many apps do it blatantly, even if they are constantly prompted, users will agree if they are bored for a long time, "Li Juan said.

Will P2P lending turn to selling users' address books and other privacy?

An online loan industry insider said that even if regular internet finance companies have mastered user data such as mobile phone address books, they will not sell them maliciously, but if the system is hacked, the security of these materials will be difficult to guarantee.

Unfortunately, the security index of Internet finance APP is not high. The Information Security Status of Mobile Internet Finance APP 20 15-20 16 released by the Information Industry Communication Software Evaluation Center of China Information and Communication Research Institute in August this year shows that there are many problems in Internet Finance APP, such as misuse of encryption algorithm, insufficient protection of network transmission, lack of protection measures for applications, and leakage of sensitive information of local files and system logs.

The report shows that 15% of the data interacting between Internet financial app and server is transmitted through clear communication channel, which may lead to the complete exposure of confidential data such as users' financial transaction information and passwords to attackers. After the attack is successful, the hacker can not only monitor all the transaction information of the user, but also tamper with the transaction content and even impersonate the user to log in to the transaction.

In addition to hacker attacks, the phenomenon that insiders leak customer information after leaving their jobs also poses a threat to user privacy. Employees of an online stock trading software company told the newspaper that many users of the software reported to the company that they were harassed by similar product sales calls. After investigation, it was found that the reason was that an internal salesperson sold his responsible user address book to a rival company after leaving the company, and then the software company called the police.