Credit and credit have two payment groups. This group is fake. They are all fraudulent means of the platform. Don't be deceived With the popularity of online loans, many people choose online loans when funds are tight, because the threshold of peer-to-peer loans is lower than that of banks, and there is no mortgage. Some platforms even use the mobile phone number to judge the loan amount. I believe everyone will be familiar with it, but there are many scams, so everyone must be vigilant.

I. Types of online loans

Online loans are divided into four categories, classified by background, namely banking sector, state-owned sector, listed sector and private lending platform. Among them, the risk of banking system and state-owned assets system is low, but the requirements for loan conditions are high. Listed and private loan platforms are easier to apply for, but the risks are higher than the first two. The online loans of banks and state-owned departments, that is, P2P platforms controlled by banks and state-owned capital, are guaranteed by state-owned assets and large commercial banks, and the risk is extremely low. However, the borrower's personal comprehensive qualification is relatively high.

Second, the online loan scam

1. Company names are relatively large, such as "Chengxin Group", "XX Loan Group" and "XX Loan Group Company". Such a company cannot exist.

2. Some people pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.

3. Advertising information generally only provides mobile phone number and contact person. As can be seen from the inquiry of mobile phone number, domestic publishers are concentrated in a few provinces.

4. Easy loan terms, no mortgage, no income check. Basically, users can borrow money with their ID cards.

When the lender is tempted, the swindler will ask for the first fee for various reasons.

To sum up, at present, the relevant departments have strengthened the supervision of the Internet investment platform and demanded that the payment be implemented as soon as possible. In response to the call, we also stepped up the collection and raising of funds, launched a new eviction plan, and implemented eviction. I believe that under the pressure of CBRC, users will really start to retreat, which is what investors really consider. After all, nobody's money belongs to the lender, let alone the lender.