Some users on the Internet complained that they were cheating. After collecting the membership fee, jump directly to other loan platforms, and then collect the membership fee and service fee. , similar to a wallet, like an intermediary software. To judge whether a loan platform is reliable, you can refer to the following aspects:

1. Check the background qualification of the platform. Regular software can find the company behind it. According to the company, check the business license and other related information. You can also go to the "National Enterprise Credit Information Publicity System" to inquire about company information. If you can find it, just look at its details and evaluate it. If you can't find it, there may be something wrong.

2. See if there are any arbitrary charges on the platform. There is no charge before lending on the formal platform. If there is no loan yet, it will be collected at will for various reasons such as membership fee and service fee, which may be fraud. Be careful at this time, once you pay, you may not be able to return it.

3. Look at the lending process of the loan platform. The normal loan process should be to calculate the amount first, and then see if the loan can be made and how much. You need to provide information such as ID number, mobile phone number, income status and work unit. If you only need to provide the ID number to lend money, it means that there is an abnormal situation and you need to be cautious.

4. Look at the loan interest rate. It is not normal for interest rates to be too high or too low. Too low may be to attract you to measure the amount and induce you to fill in personally identifiable information. If it is too high, it may be usury. I suggest that you can calculate the interest expense to avoid being misled.

5. Look at the loan threshold. There is a threshold for loans. Not everyone can get a loan. It depends on personal credit information. Some people borrowed a lot of money, and their personal credit information was poor. It is impossible to borrow money on a regular platform. It is absolutely a liar to say that you can get a loan by paying the membership fee.

To sum up, we can roughly judge whether a platform is reliable, and we need to be cautious if it is unsatisfactory.

According to the feedback from a large number of users who use fast loans, the software can only pay after opening members, but after filling members, users will switch to other software, ask for payment, and open members with infinite cycles.

What is a routine loan?

Routine loan is an illegal and criminal activity aimed at illegal possession, which induces or forces the victim to sign relevant agreements such as "lending" or "lending", "mortgage" and "guarantee" in disguise, and forms false creditor's rights and debts by falsely increasing the loan amount, maliciously creating a breach of contract, arbitrarily identifying a breach of contract and destroying repayment evidence. And illegally occupy the victim's property by means of litigation, arbitration, notarization or violence or threats.

Like large-sum fast loans, it has already met the characteristics of conventional loans.

How to severely punish the crime of routine loan according to law

In the process of implementing "routine loan", there is no obvious means of violence or threat. The overall behavioral characteristics are as follows: for the purpose of illegal possession, those who fabricate facts and conceal the truth to defraud the victim's property are generally convicted and punished for fraud; In the process of implementing "routine loan", a variety of means are used together, which constitutes crimes such as fraud, extortion, illegal detention, false litigation, provocation, forced trading, robbery and kidnapping. According to the specific facts of the case, different situations should be distinguished, and according to the provisions of the criminal law and relevant judicial interpretations, several crimes should be punished together or a heavier punishment should be chosen.