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Have you ever received spam marketing text messages like trying to "bait" into a loan?
This information is often sent in the name of a bank or an online lending institution, without the consent of consumers, which is very disturbing.
Also, you may receive spam messages even if you have never done business with the appropriate bank or lender.
Where are these spam messages coming from?
A recent survey by The Paper (www.thepaper.cn) found that banks or online lending institutions send marketing text messages through mass message companies. Reply situation.
When it comes to financial marketing short messages, the bulk short message companies are more cautious, all require relevant procedures, and many say that the company does not provide a sending number.
However, there are also some companies that claim to provide number resources for owners, car owners, bosses, etc. in designated areas.
According to a senior industry insider, some SMS group sending companies can still send financial SMS messages to customers according to the number segment, region, etc., and can also provide the label of the mobile phone owner, such as opening a certain software recently, "This has been suspected of privacy leakage and Illegal." Another expert said that as long as the user's permission is exceeded, it is a spam of illegal short messages, but at present some banks and online lending institutions are playing the game, and it is difficult for basic operators to deal with it. It is recommended that relevant departments focus on supervision of banks and online lending institutions lending institution.
In recent years, the government has continuously stepped up efforts to control spam messages.
In August 2020, the Ministry of Industry and Information Technology of the People's Republic of China revised the "Administrative Regulations on Communication Short Message Service" to form the "Administrative Regulations on Communication Short Message and Voice Call Service (Draft for Comment)", and publicly solicited opinions from the public.
It stipulates that no organization or individual may send commercial short messages or make commercial calls to users without the consent or request of the user.
However, this provision has not yet been formally introduced.
Financial spam text messages are the hardest hit area for complaints, and some banks have repeatedly made the list
Since March, surging journalists have randomly asked 30 friends, 21 of them said they have received spam financial text messages in the past month, and the most are nearly 30, mainly personal loans, online loans, and financial marketing text messages.
Among them, from February 9th to March 9th, Mr. Li received 14 marketing text messages from Shanghai Pudong Development Bank, including "Assets increase to receive eggs, and you can receive up to 12 consecutive months" and "Consignment of Bank of China Wealth Management - Benefit Daily Gain Edition" Wealth management”, etc., mainly to encourage the increase of deposit limit and the promotion of wealth management products.
After Mr. Li replied to the TDDX unsubscribe according to the text message prompt, he received a message reply "You have successfully unsubscribed from our bank's information text message".
Mr. Li also received personal loan marketing text messages from China Construction Bank, China Merchants Bank and Agricultural Bank.
"I'm a migrant worker, and I don't need a loan at all. Why would the bank send me a loan marketing text message? Besides, I don't have a card from the Agricultural Bank of China, so how did they know my phone number?" Mr. Li was puzzled.
Unlike Mr. Li, Mr. Wu is a business owner and has loans from banks.
Not only did he receive a lot of personal loan marketing text messages from banks, but he also received online loan marketing text messages from Yangjintan Loan and Xiaoying Card Loan App.
He told The Paper that he had not registered or used these apps.
These text messages contain links. After opening, enter your mobile phone number and click "Borrow" to jump to the App download interface.
After Peng Mei News downloaded and registered the Yangpigyi loan app, in two days, in addition to receiving two marketing text messages from the company, he also received four telemarketing calls to allow reporters to verify their identities as soon as possible so as not to miss the authorization limit.
Although the reporter made it clear that there was no need for borrowing for the first time, the other party still insisted that "you don't need it now, you may use it in the future".
Peng Mei news search found that there are many online complaints about foreign money pot loans, involving high interest rates, collection and so on.
Financial spam text messages are one of the focuses of consumer complaints.
According to the inventory of spam complaints in the first three quarters of 2021 released by the 12321 Network Bad and Spam Reporting and Acceptance Center, port-based spam messages far surpassed point-to-point spam messages, accounting for 69.8%, 86%, and 87.5% in the three quarters respectively.
In terms of spam SMS categories, loan financing accounts for 36.4%, 26.0% and 61.9% respectively.
In terms of the main port numbers for sending spam text messages, the top ten complaints in the first quarter of last year included Bank of China (third) and China Construction Bank (eighth); the top ten in the second quarter included Bank of China (second). , China Construction Bank (fourth); the top ten in the third quarter included China Construction Bank (eighth).
In the first quarter of last year, the financial management category included Ping An and Huanbei, the online lending category was You Qianhua and 360 IOU; in the second quarter, the loan management category included Huanbei and Didi Finance, Internet In the lending category, there are Paipaidai and Youqianhua; in the third quarter, China Ping An and Huanbei were in the loan financing category, and Duxiaoman Finance and Paipaidai were in the online lending category.
Some SMS mass sending platforms have insufficient qualifications, and some claim to provide number resources
The reporter searched the Internet for "SMS group sending", and a large number of SMS group sending company advertisements appeared.
The businesses of these companies include verification code messages, notification messages, marketing messages, video messages, etc., with customers from all walks of life.
For financial text messages, multiple companies offer between five and six cents per message. The larger the sending volume, the lower the price.
Without exception, they claim that they are professional, have a high sending success rate, are delivered within seconds, and can monitor the sending and replying of text messages in real time.
Some companies claim to have their own SMS sending platform or software. After customers register, log in and recharge, they can send SMS by themselves. The company will review the content, but they don’t care who the customer sends it.
The sales customer service of Nanchang Chuangsheng Network Technology Co., Ltd. (whose platform is Wanshang Chaoxin) stated that the business license of the enterprise is required for mass texting in the financial industry.
"There are many suspected frauds in the financial industry, and regular SMS group sending platforms need to provide these."
The customer service provided the company's business license, value-added telecommunications business license and the National Copyright Administration's computer software copyright registration certificate.
It emphasized that the personal loan only issued the loan content, and the company did not provide the sending number.
Online loan marketing SMS is not done because "there is no channel".
The customer service's circle of friends posted screenshots of personal loan marketing text messages from Ping An Bank, Industrial and Commercial Bank of China, "Rural Commercial Bank" and China Construction Bank that were recently sent through the company's platform.
The marketing staff of Anhui Miaodi Information Technology Co., Ltd. said that the work license and business license are required to send personal loan marketing text messages, and the business license, financial license and contract are required to send online loan marketing text messages.
Miaodi information does not provide the sending number, "That's illegal. If the routine loan is reported, it will be bad luck."
The surging news reporter said that the value-added telecommunications business license of Miaodi Information was not inquired, and the marketing staff said that "it is in process", "this has no effect." According to the official website, the company has been established for ten years.
The marketer said that in terms of personal loans, mobile, telecom, and China Unicom numbers will block some areas.
Telecommunication numbers are blocked the most.
"Blocked areas are subject to change based on carriers."
In this regard, online marketing company Wuhan Chaitian Technology Co., Ltd. stated on its official website that the complaint rate of financial text messages has been relatively high.
If the complaint rate in a certain place reaches a certain upper limit, operators and SMS platforms will take regional restrictions.
This is also the main reason why the content of bulk loan SMS is not only strictly censored, but also cannot be sent in many areas.
This problem cannot be solved, but you can consult customer service staff before sending mass text messages to avoid restrictions reasonably.
"Strictly abide by the operator's SMS sending specifications. Reasonably arrange the sending time and frequency."
Zhengzhou Xunge Technology Co., Ltd. has a value-added telecommunications business license.
The company's salesperson said that if you send a personal loan text message, you can provide the phone number of the owner, car owner, boss, and provident fund lender in the designated area.
A senior industry insider said that some SMS group sending companies do not have qualifications themselves, but are actually just agents of qualified companies.
Although the management is becoming more and more strict, some SMS group sending companies can still send financial SMS messages to customers according to the number segment and region.
Even, you can also provide a host label, such as recently opened a software and the like.
The more tags you choose, the more expensive the sending of text messages. "This has been suspected of privacy leakage and violation of the law."
How to manage spam financial text messages?
Peng Mei News noticed that as early as 2015, the Ministry of Industry and Information Technology of the People's Republic of China issued the "Administrative Regulations on Communication Short Message Service", which was officially implemented on June 30 of that year.
Regarding the management of commercial short messages, the regulations point out that short message service providers and short message content providers shall not send commercial short messages to users without their consent or request.
If the user expressly refuses to receive commercial short messages after agreeing, they shall stop sending them.
In August 2020, the Ministry of Industry and Information Technology of the People's Republic of China revised the "Administrative Regulations on Communication Short Message Service" to form the "Administrative Regulations on Communication Short Message and Voice Call Service (Draft for Comment)", and publicly solicited opinions from the public.
The consultation draft requires that any organization or individual shall not send commercial short messages or make commercial calls without the consent or request of the user, or if the user expressly refuses.
If the user does not expressly agree, it will be regarded as a refusal.
If the user expressly refuses to receive after agreeing, it shall stop.
Short message service providers who send port-type commercial short messages shall ensure that the relevant users have agreed or requested to receive them, and retain the user's consent certificate for at least five months.
If a short message service provider sends a port-type commercial short message, it shall clearly mark the name and contact number of the organization or individual sending the short message through its service in the short message, provide a convenient and effective way to refuse reception, and notify the user with the short message , and shall not obstruct the user's refusal to receive in any form.
The consultation draft also stipulates that basic telecommunications business operators should establish mechanisms such as early warning and monitoring, big data research and judgment, and take measures such as contractual agreements and technical means to prevent commercial short messages or commercial calls sent without the consent or request of users. .
At present, the new regulations have not been formally introduced.
"Spam financial text messages are still relatively common." Telecom analyst Fu Liang pointed out that the commercial short messages in the "Draft for Comments" include financial marketing text messages.
Regarding the management of spam messages, Fu Liang analyzed that, according to the principle of whoever implements it, punishes the illegal commercial short messages should be punished by the Ministry of Industry and Information Technology. However, advertising is under the control of the market supervision department.
In addition, illegal commercial short messages often cross regions, and the senders, businesses, and recipients of the messages may be in different places, making it difficult to enforce the law.
In addition, the harm is small, and the penalty amount is not large.
A combination of various factors makes governance more difficult.
"Compared with personal loans, some online loans seem to have a small loan amount, but the interest is very high, and the bad debt rate is generally not high, so many online platforms are now engaged in online loans. Some people know that they are illegal, but they will still take risks." Liang said.
In Fu Liang's view, the amount of bank financial spam messages is relatively large, but the harm is relatively small.
If it is a financial text message sent by some unqualified small companies, it has not been reviewed, and the harm is relatively large, because it may be a fraud.
"As long as it exceeds the unlicensed boundary of the other party, it is a spam and illegal short message. At present, banks and online lending institutions are playing a borderline. In this case, it is more difficult for basic operators to deal with it. We should focus on regulating the source and benefit. Fang, that is, banks and online lending institutions." Fu Liang said.