On the morning of September 1, Beijing Chaoyang District People's Court held a public hearing to hear a fraud case related to "beauty loan". The defendant recruited the president's secretary with a high salary. After someone applied, he asked the other person to do medical beauty on the grounds that he needed to improve his temperament. It doesn't matter if he has no money. Zero down payment and installment payment. As a result, the loan was repaid, and the general manager of the recruitment secretary had an accident. In the trial, the truth of the beautiful trap was uncovered step by step.
The secretary is 60,000 to 80,000 a month.
I was asked to have plastic surgery before I joined the company.
"General Manager Jin" interviews candidates.
Nana, the victim, just saw the information of a company recruiting the secretary of the general manager with high salary on the Internet. After submitting her resume, the general manager of the intermediary company Jin asked her for an interview. After a brief answer, "Teacher Jin" said that she would be arranged to meet Mr. Wang who recruited her as a secretary. If successful, the monthly salary is 60 thousand to 80 thousand. Two days later, when we met again, Mr. Wang came with the driver "Zhao Jun". Nana doesn't know. The driver's real name is Xu, and the whole "recruitment team" is under his command.
Xu: "after we meet, I will introduce myself to the job seeker, and then I will make an appointment with the job seeker alone and tell her the key points." We need plastic surgery to improve our image and temperament. If we agree, I will take her to the hospital. "
Prosecutor: "What recruitment content do you use to attract job seekers?"
Xu: "It's usually the assistant to the general manager or the secretary."
The defendant took Nana to Beijing Orange Medical Beauty Clinic, and a set of words such as "zero down payment", "installment payment" and "relaxing beauty" were waiting for her.
Lian Hongyi, the public prosecutor and deputy director of the First Procuratorial Department of Chaoyang District People's Procuratorate, said: "Before plastic surgery, medical and aesthetic institutions will conduct face-to-face consultation for victims and determine plastic surgery projects for them, which usually costs a lot. During the interview, the defendant also made a commitment to the victim's plastic surgery expenses. For example, he promised to reimburse the cost of plastic surgery, or the cost was affordable, because the job would be well paid in the future. Therefore, the victim thinks that he can afford such a loan and agree to such a cosmetic project. "
A certificate issued by a medical beauty institution after the applicant has made a loan and performed cosmetic surgery as agreed.
Xu: "Some of them can't be contacted directly, because we agreed to contact her here, but after we stopped contacting her, the girl stopped contacting us, and she might react on her own. After some contact, we said that there was a problem here and we wanted to introduce his boss to a traffic accident. "
Presiding judge: "Is something wrong? Is this actually the case? "
Xu: "Actually, it is not."
Presiding judge: "What is the purpose of sending these victims a video of a man lying in bed with blood all over his face?"
Xu: "The purpose is also to convince her."
"Beauty loan" constitutes fraud
Prosecutor: The job-seeking and loan platform should bear social responsibility.
In this case, verified by the People's Procuratorate of Chaoyang District, Beijing, the defendant defrauded 10 female applicants of "beauty loans" totaling more than 400,000 yuan, and was charged with fraud. In view of the fact that the two defendants pleaded guilty and repented, they partially compensated the victims for their losses. The public prosecutor put forward sentencing suggestions for the two defendants, namely, four years and nine months in prison and four years and six months in fine. The court will make a choice.
Beijing Chaoyang District People's Court held a hearing on the fraud case of "beauty loan" (Photo courtesy of Beijing Chaoyang District People's Court, issued by Yangguang.com)
Low academic requirements, easy work and high salary often attract some job seekers who lack social experience to apply.
In recent years, "beauty loan" has become popular in medical beauty institutions, and so-called preferential conditions such as "zero down payment", "installment payment" and "low interest" have been M.
How to avoid falling into a beautiful trap? Lian Yi's tip: "First, you must choose a formal platform and formal channels for job hunting and employment. Before submitting your resume or interview, you must carefully check the relevant qualifications of the employer and the interviewer. Second, we should be alert to the abnormal situation in the interview process, such as interviewing in abnormal places such as cars and basements, or having unrealistic promises of high salary, false job information, or handling large loans or large capital transactions before joining the job. We must be alert to this abnormal situation. "
The prosecutor further suggested that job-seeking platforms, medical and aesthetic institutions and loan platforms should all bear social responsibilities. They have a cautious obligation to examine job seekers, applicants, plastic surgeons, operators and consumers.
Lian Yi: "For the job-seeking platform, it is very necessary for them to review the two-way information between employers and job seekers to prevent the job-seeking platform from becoming a tool for fraudsters. In the daily operation and management, the medical beauty loan platform must abide by the relevant laws and regulations of the state on medical beauty and loans, and carry out related business legally and legally. Users' qualifications, repayment and plastic surgery related abilities must be audited with high standards, and other intermediaries or any personnel are not allowed to introduce plastic surgery and loans to customers at will, nor are they allowed to forget relevant audits and laws and regulations in pursuit of interests. We hope that in the process of job hunting in the future, you must be alert to any abnormal phenomenon that may involve fraud or other crimes, and seek help from the police or society at any time to avoid falling into these' beautiful traps'. I hope you can effectively protect your personal and property rights. "
Related questions and answers: What is a beautiful loan? Beautiful loan is an illegal loan, a cosmetic loan, which makes the victims fall for it at a very high interest rate. It is to let girls show more beautiful meanings, so it is called beautiful loan. However, the interest rate of beautiful loans is very high, and some even 100%. : 1. loan principle: the "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." (1) loan security is the primary problem faced by commercial banks; (2) Liquidity refers to the ability to recover the loan within a predetermined time, or realize it quickly without losing ground, so as to meet the needs of customers to withdraw deposits at any time; (3) Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. 2. The significance of the emergence of loans: banks put concentrated monetary and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy. 3. Precautions for loan: (1) The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change; (2) The purpose of the loan should be legal and compliant, and the transaction background should be true; (3) according to their repayment ability and future income expectations, choose the repayment method that suits them; (4) Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income; (5) Read the terms of the contract carefully and understand your rights and obligations; (6) Repay on time to avoid bad credit records; (7) Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan; (8) Advance payment can only be processed by communicating with the bank one month in advance. (9) When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to issue a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.