1. It is said that it is from a loan company. What methods will they use to defraud money?

Hello, if it is a formal loan company, is it defrauding money? Usually it is with many people. The bank has established a long-term cooperative relationship, so there is no need to cheat money. And the general strength of these companies is still good.

The method of defrauding people you mentioned should be that some unscrupulous people use regular loan companies to defraud money, and then the borrowers pay a certain service fee or other fees first.

2. Common methods of lending

1. The behavior of loan crimes is as follows:

1. Making up false reasons for introducing funds, projects, etc. to defraud banks or other Loans from financial institutions.

2. Use false economic contracts for loans from banks or other financial institutions. In order to support production, encourage exports, and increase the value of limited funds, banks or other financial institutions sometimes issue loans based on economic contracts. Some criminals forge or use false export contracts or other short-term economic benefits that are very high. Contracts, loans from banks or other financial institutions. For example, criminal Zhang forged a company's export supply contract, applied for a loan of several million yuan from a bank in Shanghai with the false contract, and then absconded with the money.

3. Use false certification documents for loans from banks or other financial institutions. The so-called supporting documents refer to documents such as guarantee letters and deposit certificates that are required when applying for a loan from a bank or other financial institution. For example, a company issued a false deposit certificate through internal bank staff and used it to borrow millions of dollars from another bank.

4. Using false property rights certificates as guarantees or repeated guarantees exceeding the value of the collateral to defraud banks or other financial institutions for loans. The property rights certificate here refers to all documents that can prove that the perpetrator has ownership of real estate such as houses or movable assets such as cars, currency, and notes that can be redeemed at any time. For example, the criminal Zhang used a forged property certificate of a housing development company as collateral to defraud a bank for a loan of more than one million yuan.

5. For loans from banks or other financial institutions through other methods, the “other methods” here refer to those who forge the company’s official seal or seal to defraud loans; those who use fake currency as collateral to defraud loans; those who borrow first and then Refusal to repay the loan through fraudulent means, etc.

Please click to enter the picture description (maximum 18 words)

3. What are the common methods

Also known as credit loan, it means that the borrower applies for this loan When applying for a loan, you do not need to provide any collateral. You only need proof of identity, proof of income, proof of credit and other materials to apply for a loan from the bank. So, on what basis does the bank issue loans? It is understood that banks will issue loans based on the borrower's credit situation, and the loan interest rate is slightly higher than the mortgage loan interest rate, so the borrower should choose the loan term and length based on his actual situation. Repayment method.

Precisely because the application does not require the provision of collateral and guarantees, some people take advantage of the situation without resorting to any means and induce borrowers to fall into a trap. So, what are the methods used by scammers? Judging from the current situation, they usually first claim in small advertisements that "it can be processed and the procedure is simple" to attract people who are in urgent need of money; once you get in touch with the scammer, you will Let you transfer the so-called "interest", "handling fee", "margin", etc. to the scammer's designated account; after you deposit the money, the scammer loses contact.

Therefore, we must be more vigilant in our daily lives, do not believe in small advertisements, and call the police in time if we find that we have been deceived.

Characteristics of the scam:

1. The company has a relatively big name, such as the so-called "Integrity Group", "xx Loan Group", "xx Loan Group Company", etc. Such companies are simply impossible exists, the industrial and commercial authorities are unlikely to allow such company names to be registered.

2. There is no office address, and the real company business license and personal ID card cannot be provided.

3. Advertising information generally only provides mobile phone numbers and contact persons. By querying mobile phone numbers, it can be seen that the publishers are concentrated in a few provinces in China.

4. The loan conditions are easy. No mortgage is required and no income check is required. Basically, you can get a loan with just an ID card.

5. When a loan seeker is tempted, scammers will use various reasons to ask for fees first, such as "interest, attorney fees, verification fees, insurance premiums, handling fees, deposits" and so on.

6. After the loan seeker paid first, he found that the scammer’s mobile phone could no longer make calls. Some loan seekers even did not know the other party’s company, personal name, ID card, or even where the other party was. They were deceived without even knowing it.

4. There are many ways to use bank cards. What are the common ones?

Commonly used bank card methods:

1. Pretend to be a police officer’s phone number. Scammers pretend to be public security officers, call citizens, and ask citizens to transfer money into their accounts on the pretext of asking for assistance in handling cases.

2. Pretend to be the phone number of the telecommunications department. The scammer contacts citizens as a staff member of a communications company, saying that the phone bill is in arrears and payment needs to be made.

3. Pretending to be securities investment. Scammers pretend to be staff of securities investment companies to contact citizens and advise them to invest.

4. Car tax rebate. Scammers contact citizens and say that they can enjoy tax rebates on the cars they just bought, but they need to pay a certain handling fee.

5. Lie about an accident. Scammers send text messages to citizens saying that their relatives or friends have been in an accident and need money.

6. Win the prize. The scammer notifies the public that they have won a big prize and they need to pay a certain handling fee.

7. Loans. Scammers send unsecured and unsecured text messages to deceive citizens.

8. Selling cheap illegal products. Scammers send sales and other information to trick citizens into sending money to buy.

9. Direct remittance. Some citizens who often remit money were exploited by scammers when sending and receiving bank account numbers via text messages. When they received the account number sent by the scammer, they believed it to be true.