Loan channel:
1. Traditional loans (also called offline loans) refer to the application for loans submitted through banks in real life. )
2. Online loan (also called online loan, which refers to the application submitted by online loan) is a P2P financial loan.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere).
Extended data:
According to the Voice of China report, "As long as you provide your own identity information and help the mobile phone shop to handle the installment loan, you don't have to repay the loan yourself, and you can also get the reward from 200 yuan to 500 yuan". Since June last year 165438+ 10, many college students and migrant workers from Wuxi, Jiangsu Province have come to the local mobile phone shop near Meicun to apply for this installment loan for mobile phones.
"This is a mobile phone installment. Real money is neither delayed nor owed. I'll give you money as soon as I finish, 2600 yuan an hour. " Such publicity has attracted a large number of migrant workers and college students near Wuxi Meicun. After each order is completed, participants can get a commission of several hundred yuan by handing over the purchased mobile phone to the mobile phone shop, and the cost depends on the total loan amount for purchasing the mobile phone.
When he heard that it was so easy to make money, Li Zhen, who works in a nearby enterprise, did seven mobile phone installments in one breath, with a total amount of more than 50,000 yuan. Li Zhen introduced: "He said that it would be quick in stages. After he went, he took photos and took his ID card and bank card to withdraw money that day. It took about an hour to finish it. At eight or nine in the evening, he gave me the money. I made seven issues with a commission of 3,600 yuan. "
Word of mouth, more and more people have joined the team to handle the "mobile phone installment loan" business.
In order to get more commission, many young people have signed several agreements on installment loans for mobile phones. The reporter learned that not only mobile phones are staged, but also the board of directors of mobile phone stores told them that they can also handle loans such as cash loans and loan treasures. To this end, many people carry loans ranging from 10 thousand to hundreds of thousands. However, many people have received the dunning notice from the loan company before the commission is hot in their pockets. The loan company said that if it failed, it would sue.
Many people are surprised. They found the loan company with the loan exemption agreement signed with the mobile phone shop, but the salesman of the loan company said that the agreement had nothing to do with them and the loan needed to be repaid by the person who signed the agreement. Only then did they realize that they had been cheated. A victim said: "After a week, the group said that the store ran away with the money brushed by the mobile phone, and we were afraid and worried."
At present, the mobile phone shop involved has closed. The victim reported that after the mobile phone shop owner lost contact, he quickly contacted the relevant online lending platforms, and there were more than ten online lending platforms. The staff of an online loan company told reporters that in this fraud case, the online loan company also belongs to the victim. At present, they are already registering the information of the victims, and the dunning for the victims' loans is temporarily suspended, waiting for the police to investigate.
In Wuxi Meicun police station, many young people gathered in the courtyard of the building to report the case. Bao, the police officer in charge of investigating the case, said that criminals released part-time information through intermediaries to induce deceived victims to sign a mobile phone installment loan agreement. The nature of this case is fraud. The police have filed a case for investigation and have taken control of the main suspect Kim.
Meicun is located in the suburbs, with many migrant workers and college students. According to the preliminary estimation of the police, this case involved about 2,000 victims and the amount of fraud was tens of millions of yuan. After the trial of the case, if the criminal suspect has the ability to repay, he will be required to repay the victim. At present, the case is still under investigation.
The reporter learned that this kind of mobile phone installment loan fraud case has occurred from time to time in Nanjing, Suzhou and Taizhou. The number of victims and the value of the case in Wuxi Meicun are relatively large.
Lawyer Cai Anming of Jiangsu Shao Jun Law Firm believes that the criminal suspect Kim cheated the victim by signing a so-called loan exemption agreement for the purpose of illegally possessing other people's property, which constitutes contract fraud.
Personal ID card and bank card are both personal privacy information, which should be properly kept. They cannot be held by a third party, let alone used by a third party. Pay attention to signing any contract. After signing any contract, it is binding, and the future loan company can claim repayment from the borrower.
Nowadays, there are various forms of fraud, and some new "routines" are constantly emerging, even hurting many young people with higher education. There will be no pies in the sky, and you must not be greedy for temporary petty gains and be lucky. It is more practical to let them get it through your efforts.
Phoenix. Com- Thousands of people in Wuxi, Jiangsu Province were defrauded by mobile phone installment loans, with the amount of fraud reaching tens of millions.