At present, there are many advertisements about personal unsecured loans in the internet and newspaper media. The main body is some scary loan groups, which have been established for many years and have prominent shareholder backgrounds, and have successfully lent RMB ×× 100 million. At present, there are branches in large and medium-sized cities all over the country. You only need simple information such as your ID card, and you can get a quick loan after the company's preliminary examination. Interest is really attractive (1 to 3 points)

This kind of information is fraudulent, and its operation mode and charges are obviously unreasonable, as follows:

The brand name of the company is scary, such as the so-called "xx loan group", and some even provide a copy of the business license, and the traces of fraud are very obvious;

Generally, only mobile phone number, contact person and QQ are provided, and there is no fixed telephone number and no office address;

Generally speaking, the company has branches in large and medium-sized cities all over the country, and it is convenient to handle business everywhere;

The loan terms are very loose and the procedures are simple. You only need to provide basic information, and you don't need a mortgage.

The interest rate is attractively low, and the monthly interest rate is only1%-3%;

Most websites also attach a solemn statement at the end: remind everyone to pay attention to fraud prevention, and a typical thief shouts to catch a thief.

When the borrower contacts, the liar will find various reasons to ask for the upfront fee (such as prepaid interest, etc.). );

When the borrower paid, he found that he could no longer contact the liar.

In fact, the so-called unsecured private lending model is impossible to operate like this:

The so-called "xx loan group" is actually impossible to register in the industrial and commercial department, even if the copy of the business license provided is fake; Unsecured loans, only a few banks in formal financial institutions have launched small unsecured loans guaranteed by civil servants and multi-household joint guarantee of rural credit cooperatives. There are also problems in practice, and even most of them have existed in name only, or the amount of loans has gradually shrunk due to increasingly high requirements. As for non-governmental organizations (including newly established microfinance companies), most of them are afraid to set foot in or want to try. With half of her face hidden behind her guitar, it's hard to become a climate.