Unsecured, no credit needed, same day loan ... the hidden trap behind the loan information
Businesses are raising funds to resume production, but some people are lending to cheat
Our reporter Yu Lingge
With the continuous resumption of production and production of enterprises in various regions, some enterprises have difficulties in financing due to the epidemic situation and urgently need capital turnover. Some criminals took advantage of the opportunity to publish false information via the Internet, while others also developed fake and highly counterfeit online loan apps and implemented financing loan fraud. Among them, small and medium-sized enterprises and entrepreneurs have become the main victim groups.
Applying for small loans online, there is no mortgage, no credit, no loans on the same day ... You can often see such loan advertisements on the Internet. Recently, police from many places issued a warning about the risk of preventing online loan fraud, pointing out that with the continuous resumption of production of enterprises around the world, some small and medium-sized enterprises have difficulties in financing due to the epidemic, and there is an urgent need for capital turnover. Some lawbreakers take the opportunity to post false information through the Internet Implementation of financing loan fraud.
The public security organs nationwide detected the use of the epidemic to carry out telecommunications network fraud cases. As of 20 March 24, the police had detected 14,786 cases and arrested 6,605 suspects, with a total amount of more than 488 million yuan. The police reminded that online loan fraud is still the hardest hit by fraud. Small and medium-sized enterprises and entrepreneurs have become the main victim groups, and should be vigilant to reach the "black hands" of online loans for reinstatement enterprises and employees.
Small and micro enterprises enter the low-interest loan trap
In February this year, Ms. Jiang, the person in charge of a small and micro enterprise in Guizhou, urgently needed 100,000 yuan to start resumption of production and production. However, affected by the prevention and control of the epidemic, it was difficult to apply for loans from banks. While worrying, she saw an advertisement online claiming that the company could provide low-interest unsecured loans.
Ms. Jiang signed a loan contract through the online platform and applied to the company for an online loan of 30,000 yuan. Just when she was going to pay a 10% handling fee as required, the company called again and said that if she deposited 20,000 yuan in the company's bank account, the credit limit could be increased to 200,000 yuan. Ms. Jiang refused, and the other party threatened to claim that Ms. Jiang failed to remit money as agreed, which constituted a crime.
After discovering the problem, Ms. Jiang consulted with the lawyer. The lawyer preliminarily judged that this was an online financial fraud and immediately told Ms. Jiang not to pay any money to the other party, and promptly reported the case to the public security organ.
The reporter noted that police data from many places showed that similar cases of online loan fraud have increased over the same period. Among the 10 types of multiple fraud cases during the epidemic situation summarized by the recent highest inspection, loan fraud against SMEs is one of them.
In February this year, the survey of the "Diagnosis of the impact of epidemic outbreaks on the financial health of weak economies and policy recommendations" initiated by the China Inclusive Finance Research Institute of Renmin University of China showed that among all the interviewed companies, about 70% of business owners expressed outbreaks. After the enterprise has a funding gap, 54% of business owners hope to get a fixed-term loan of more than one year.
Pan Helin, executive dean of the Digital Economic Research Institute of Zhongnan University of Economics and Law, told Workers Daily that the number of online loan fraud cases against companies, especially small and medium-sized business owners, is related to the small size of small and medium enterprises and their poor resistance to risks.
"Due to the impact of the New Coronary Pneumonia epidemic, the operating performance of SMEs has fallen sharply, the capital replenishment capacity is poor, it is more likely to have difficulty in capital turnover, and there is a large demand for loans." , SMEs can obtain limited funds through traditional financing channels and private financing channels, so they turn to online loans. "
"Lee ghost" online loan app is hard to tell
According to Fujian police, in February of this year, Zhang Moumou of Putian, Fujian, needed a loan, and the “small Zhang” of the employee who claimed to be a “360 debit” contacted Zhang Moumou, saying that he could make a loan, and then the two sides added WeChat to each other.
After that, Zhang Moumou installed the "360 debit note" app sent by "Customer Service", registered and filled out the information and loaned 50,000 yuan, but no loan has been made. "Customer Service" requested Zhang and XX to transfer the money several times on the grounds that the information was wrong, payment of security deposit, membership handling, etc. On March 8th, realized that the deceived Zhang Moumou chose to report the case.
"Customer service" sent to Zhang Moumou to install counterfeit APP. "Worker Daily" reporter noted that the way to induce victims to download fake loan apps like this is the main "routine" of online loan fraud. The reporter searched in Android and Apple's two major mobile phone application markets and found that there are still many loan apps whose product names and icons are very similar to well-known platforms, making it difficult for users to distinguish.
The reporter learned that fraudulent gangs often publish loan information through phone calls, text messages, WeChat, etc., spoofing well-known lending platforms, and lure people with loan needs to "hook" and then charge in the name of cost, guarantee, membership fee, and thaw fee. Scam.
According to the monitoring data released by the National Internet Financial Risk Analysis Technology Platform, as of the end of March, 48,100 Internet financial counterfeit websites were found, with 120,000 victim users, 2,801 Internet financial counterfeit APPs, and 33,437,000 counterfeit APP downloads.
The popularity of counterfeit loan apps has formed a complete industrial chain behind them, including counterfeit app developers, online loan system forgers and personal information sales data companies, etc., with low development costs.
"Regular online lending platforms will not charge any fees before lending, and the charges must be scammers!" At present, many formal online lending platforms have issued statements and anti-fraud tips on cracking down on infringing and counterfeiting financial apps and fake customer service. In addition, the anti-fraud centers in many places issued a reminder to the general public not to click and download unfamiliar links and APPs, and do not randomly fill in information such as identity information, bank card numbers, and passwords; do not disclose verification codes to anyone; all regular companies will not Charge any fees before lending.
Severe punishment for fraudsters who borrow to resume work and resume production
Since the outbreak, in response to the difficulty of financing for small and medium-sized enterprises, financial institutions in many places have issued relevant policies to increase support for small and medium-sized enterprises.
Pan Helin believes that to help small and medium-sized enterprises that resume work and production to alleviate financial pressures, fiscal policies must be more proactive and effective, should play a directional support role, and be targeted and structured. For enterprises in different regions and industries that are severely affected by the epidemic, key assistance should be implemented, such as targeted subsidies, tax cuts and fee reductions, etc., to ensure that the financing needs of SMEs are fully met to restore economic vitality as soon as possible.
For small and medium-sized business owners' demand for "short, small, urgent, and frequent" loans, Pan Helin said that Internet finance has the characteristics of low cost, high efficiency, flexible operation, and high adaptability. Internet loans can indeed be solved to a certain extent. The financing pain points of small and micro enterprises, so it is possible to make appropriate adjustments to lending in terms of credit limits and loan terms. "But to give full play to the role of Internet finance, we must pay more attention to protecting the security of Internet financial data and strengthening Internet financial supervision."
Pan and Lin reminded that when signing a loan contract, the lender needs to have a basic understanding of online loans. "There will be no pie in the sky. Generally speaking, charging before lending, promising lower interest rates than banks, and making deposits with ID cards are all common tricks for fraud agencies to attract customers." He suggested that lenders When choosing a lender, you should be fully vigilant. You can do necessary background checks on loan platforms through tools such as enterprise check and Tianyan check in advance, and try to choose formal channels such as official platforms for loans.
The reporter noticed that among the many fraud cases that occurred during the epidemic situation announced by the Supreme People's Procuratorate, in addition to online loan fraud, there were also frauds committed against the company's corporate contract fraud, fraudulent sale of epidemic prevention materials, and fraud in the name of epidemic prevention and control inspection.
The Supreme People's Procuratorate issued a risk warning to warn lawbreakers attempting to borrow funds under the pretext of resuming production and resuming production. They must not take any risks, otherwise the procuratorate will severely punish them.