Chinanews.com, Beijing, October 26, report title: The reporter personally experienced the new scam of "Canceling Campus Loan": Someone has been defrauded of hundreds of thousands of yuan!

　　China News Service reporter Wang Qingkai

　　"Hello, I am a staff member of JD.com, did you apply for'Jingdong Baitiao' when you were a graduate student at XX University?" Recently, a staff member from the financial department of JD.com called a reporter from Chinanews.com Request to cancel the "Jingdong Baitiao" opened during the school.

　　After getting a positive answer from the reporter and asking why he wanted to cancel, the man said in an unquestionable tone that Jingdong is now calling you at the request of relevant state departments. Please cancel the "Jingdong Baitiao" within 3 days. If you can’t Timely cancellation will be included in the personal credit file of the central bank.

　　After sensing the reporter's doubts, the man accurately reported the reporter's graduation school, graduation time, major, current work unit, and the phone number used during school.

　　The liar has a new trick!

　　The China Consumers Association today issued a consumer warning, a new scam called "cancellation of campus loans", which has recruited many college students and fresh graduates.

　　Statistics show that in the first half of this year, some institutions monitored more than 288,000 pieces of negative public opinion information about online loan scams, among which nearly 93,000 scams involving "cancellation of campus loans" accounted for 32.14%.

　　Demystifying the new scam of "write off campus loan"

　　Just like a reporter’s experience, recently, a new scam of "writing off campus loans" has appeared in many places across the country. Many college students who are currently at school and just graduated have "successfully recruited". The amount defrauded ranges from a few thousand yuan to dozens. Ten thousand yuan.

　　The investigation found that there are two main types of fraudulent methods for "cancellation of campus loans". One is for those who have registered online loan platform accounts or have loan records. The scammers will claim that "accounts need to be cancelled according to relevant national policies, otherwise it will affect personal credit "; The second is for unregistered online lending platform accounts or no loan records. The scammers claim that "your identity information has been stolen and you have registered an online lending account, and you need to cooperate in cancellation, otherwise it will affect your personal credit."

　　Because scammers can accurately tell the other party’s real name, ID number, school name, and even consumer records and other private information, it is easy for students to relax their vigilance. Some scammers also take the initiative to show their ID cards, badges and other information to students. To gain trust, students will eventually transfer all the loans withdrawn from the online loan platform to the scammers' personal accounts called "check accounts", which are actually scammers.

　　On October 8, Chen Lei from Yangzhou, Jiangsu received a similar call. The other party claimed that a 9,000 yuan “campus loan” he borrowed while in university had not been repaid. Now the country is vigorously rectifying the campus loan. If he does not repay it, it will affect individuals. Credit.

Although Chen Lei did not borrow a campus loan during school, he was surprised because the information provided by the other party was not bad at all.

　　In the end, under the guidance of the other party, Chen Lei applied for loans from multiple APPs, and finally applied for three loans totaling 65,000 yuan.

According to the request of the other party, the loans were transferred to three unfamiliar personal accounts.

　　Chen Lei was cheated.

　　"Campus loan" becomes "campus harm"

　　"Campus loan" is a loan business for college students with a good original intention.

It is mainly to provide loans for students from poor families to complete their studies, or to solve the problem of shortage of funds for innovation and entrepreneurship of school students.

　　But it has changed in reality.

Some current "campus loan" markets have problems such as low thresholds for loan business, uneven operator qualifications, opaque contract information, and insufficient risk warnings, which have caused some illegal lending institutions to turn "campus loans" into "campus harm".

　　In order to curb unhealthy “campus loans” from infringing upon the majority of students, relevant state departments have successively issued documents such as the “Notice on Further Strengthening the Standardized Management of Campus Loans” since 2016 and conducted joint governance.

It is required that institutions established without the approval of the banking regulatory authorities are prohibited from providing campus loan services, and Internet lending platforms are expressly prohibited from lending to college students in any form.

　　Under the high pressure situation and media propaganda, school students have become wary of "campus loans".

However, in order to obtain huge profits, illegal institutions took risks, turning "campus loans" into "writing off campus loans" and continued to cheat and cheat students.

　　How to hold your wallet tightly?

　　In order to better protect the property safety of students and prevent them from falling into various traps of "campus loans" and "anti-campus loans", the China Consumers Association today issued a consumption warning to young students.

　　Be wary of the "cancellation of campus loan" scam and do not transfer funds to unfamiliar accounts.

According to the reporter’s understanding, the relevant departments have issued notices on the governance norms "campus loans", but have never introduced the so-called "cancellation of campus loans" regulations, and personal credit information cannot be modified artificially. As long as college students can repay the loans on time after borrowing Will affect personal credit investigation.

　　When receiving calls from staff claiming to be on the loan platform to "write off campus loans" or similar, you must maintain a high degree of vigilance, protect your own property, and do not easily transfer money to unfamiliar accounts.

　　As a college student, you should also understand some basic financial consumption knowledge.

In fact, if you can understand the laws and regulations of financial services and the country's policies on college student loans, some of the tricks of "cancellation of campus loans" scammers will be easily spotted.

For example, if you do not cancel the "campus loan", you will enter the central bank's credit file and so on.

　　At the same time, you should raise your awareness of personal information protection, and keep important information such as your ID card number, bank card number, mobile phone number, and verification code. Don’t scan QR codes from unknown sources, and don’t easily disclose your home address and dormitory address to others. , Parents' contact phone number and other information, so as not to be used by scammers.

After being deceived, you must keep the relevant certificates and actively report to the relevant departments.

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