In today's flood of information, there will always be madness that you can't imagine.

"Dear customer, I reserve 30,<> yuan reserve for you, borrow and pay no liquidated damages, reply to Y+ name for details, unsubscribe and reply to T"... The beautifully packaged "Li Ghost" loan SMS is mixed and extremely difficult to identify, and most of them are loan intermediaries to attract customers and manipulate them in the dark. Under the chaos, the "black industry" chain that encourages the information and information trafficking of tripartite credit investigation service agencies is also breeding.

Bulk SMS companies become "accomplices"

"According to your good repayment record of the mortgage, you can apply for a renewal" "According to the comprehensive assessment, you will be granted a credit reserve of 30,<> yuan, if you need to reply to Y, expedited back to JY, unsubscribe back to T"... In the information age, receiving massive amounts of information has become a common thing in everyone's life, have you also received such loan marketing information? Is it too much to be bothered by?

In the manuscript of ""3.15" Observation | Mysterious "106" Lending SMS", a reporter from Beijing Business Daily investigated and found that these mysterious "106" lending SMS senders were not formal banking institutions, but were actually controlled by loan intermediaries behind the scenes.

Li Chen (pseudonym) recently received a new business to provide SMS sending and drainage services for loan intermediaries, and his company's main business is to send various text messages starting with "106". "Our fees are very cheap, 7 cents for sending a text message, 700 yuan can send 1,6000 text messages, if the amount sent is large, you can also discount, about 10,<> yuan can send <>,<> text messages."

In addition to providing a sending platform, Li Chen will also provide a unified application template to loan intermediaries, which is similar to the content received by consumers, such as: [×× Bank] Dear customer, the 369000,3 yuan granted to you by our bank will expire on March 31, which can be used for daily consumption, house decoration, business emergency, check the interest rate back 6, apply back 8, and unsubscribe back T.

How is the "106" loan SMS sent? What about the success rate? In terms of the registration process, SMS group sending companies have different regulations, some companies require loan intermediaries to provide mobile phone numbers and identity verification names for registration, and some companies will provide loan intermediaries with virtual accounts that can directly log in to the platform.

The operation process of the SMS group sending platform is relatively simple, as long as you paste the template provided by the group sending company in the "SMS content", import the mobile phone number that needs to be sent and click Send. The Beijing Business Daily reporter randomly looked for 5 consumers from different regions for testing, and within 20 minutes of clicking the send button, some consumers received "106" loan SMS, but there were also consumers registered in Beijing, Hangzhou and other places where mobile phones did not receive "106" loan SMS information.

For the situation that it is impossible to receive SMS, some SMS group sending platform people gave two explanations: one is regional restrictions, and the other is setting SMS blocking for consumers' mobile phones.

After providing personal information to the middleman, the Beijing Business Daily reporter also received different loan marketing text messages or loan intermediary calls, these SMS packaging is extremely secretive, some with the gimmick of bringing goods and express winning, first draining consumers and then promoting loans, and some directly expressing that they can apply for loans.

Apply the user information of the tripartite credit bureau

Behind the mysterious "106" loan SMS is a mass messaging company. In order to help loan intermediaries who are new to the bank or have fewer customers, SMS group sending companies have also launched another dropshipping service.

"Middleman" Yinglan (pseudonym) introduced a complete set of service processes, "If the loan intermediary does not have a mobile phone number, we can provide a batch first, and these mobile phone numbers can be the areas covered by the loan intermediary, cities, counties and towns." And they are all high-quality borrowers, there is a borrowing demand, and the borrower may not care much about sending a return, and sending more times will definitely be more effective."

Why can SMS mass messaging companies obtain massive amounts of high-quality customer group information? Where does the information source for these customer groups come from? During the conversation, the "middlemen" were quite cautious, and only relaxed under the repeated questioning of the Beijing Business Daily reporter, there are two main sources of high-quality customer groups, one is the customer group information of the lending institutions they cooperate with, and the other is the user information of enterprise credit inquiry institutions with state records.

More "middlemen" instigated, saying, "After '3.15', the investigation has been strict, and now it is impossible to provide agency services, you can directly register as a member of the official filing enterprise credit bureau, pull the business owner's information and then send SMS through our platform."

At present, there are a number of official filing enterprise credit reporting agencies in the market, which aim to provide users with services such as quick inquiry of enterprise industrial and commercial information, court judgment information, affiliated enterprise information, legal proceedings, information on untrustworthiness, and information on persons subject to enforcement. The source of information is usually official information such as the national enterprise credit information publicity system and enterprise annual reports.

After logging in, the Beijing Business Daily reporter found that in the inquiry process, the contact information and email address of the business owner can be clearly seen, and the membership system of such enterprise credit bureaus usually supports the batch export of information, and they are the high-quality customer group mentioned by the "middleman". In this regard, a person from an enterprise credit investigation agency told a reporter from Beijing Business Daily that "there is no cooperation with SMS group sending companies." However, others said that "such behavior is extremely difficult to prevent."

Su Xiaorui, senior consultant of the financial industry at Analysys, said that there are two main problems in the mixed "106" lending SMS, the first is that the SMS sending service platform does not have a corresponding qualification threshold, and it can be sent by paying money, giving criminals the opportunity to fish in troubled waters, and the second is that the SMS sending platform targets users who receive SMS messages more "accurately", indicating that personal information in the industry is almost in a "naked" state.

According to Wang Deyue, a lawyer at Beijing Xunzhen Law Firm, such inquiry agencies can help users obtain data on eligible target companies through a screening mechanism. After the user obtains the above data, it shall be used legally, and if the information is obtained and sent spam SMS indiscriminately, it is an illegal act, and the circumstances may constitute a crime if the circumstances are serious.

Behind the information selling "black products"

In addition to encouraging the application of information from corporate credit bureaus, some service providers provide mobile phone numbers for loan intermediaries to send "106" text messages and sell personal information.

After a reporter from Beijing Business Daily expressed the need to buy a large number of mobile phone numbers to send diversion text messages, some "middlemen" provided the docking information of "number sellers".

Rong Rong (pseudonym) supplies loan intermediaries with two kinds of resources, one is user information captured through loan platforms, and the other is internal bank data. "We take out customers who have borrowed before. Without the customer's name, only a mobile phone number, 1000,800 sold for 2000 yuan, 1400,1 for 3000,<> yuan, and <>,<> for <>,<> yuan. ”

Another trafficker provides more comprehensive information for loan intermediaries, mainly including corporate legal persons, car owners, owners, social security provident fund users, credit card users, etc., charging according to the package system, and only need to spend 100 yuan to buy 1000,80 mobile phone numbers. "The customer accuracy rate is around <>%."

After paying a certain fee, the Beijing Business Daily reporter easily obtained the personal mobile phone number information of hundreds of users, and after random testing, the reporter found that these mobile phone numbers were not virtual numbers, and they were all accessible and authentic.

Wang Deyue further pointed out that the purchase and sale of citizens' mobile phone numbers and other personal information may constitute the crime of infringing on citizens' personal information if the circumstances are serious; China has fully implemented the real-name system of mobile phone numbers, mobile phone numbers are exclusive and private, only selling mobile phone numbers without the owner's name is also an infringement of citizens' personal information, and many people in China have been investigated for criminal responsibility for selling other people's mobile phone numbers. For consumers, the content of "106" SMS is mixed, because it is hung in the name of major banks, users are difficult to distinguish the authenticity of the content, in addition to advertising and marketing, it is easy to be used by criminals, built-in "phishing websites", has become a new means of telecom fraud.

The establishment of an audit mechanism is imminent

The mixed "106" loan SMS has brought out a series of black products, which must attract the attention of relevant departments and operators.

Wang Pengbo, a senior analyst in the financial industry at Broadcom Analytics, said in an interview with a reporter from Beijing Business Daily that such "106" lending SMS is suspected of exaggeration, false publicity, violations of laws and regulations, and has not really played a role in protecting the rights and interests of consumers, and an institution similar to the big data management center should be set up to monitor such violations through technical means.

In Wang Deyue's view, the difficulty in supervising junk financial SMS is that sending "106" SMS requires "qualification" + "real-name authentication" to send, but the threshold is too low, operators do not review the content of SMS, and consumers lack effective countermeasures, resulting in the proliferation of spam SMS. Service providers and operators need to fulfill more responsibilities and obligations through institutional norms; For example, official messages such as government agencies and banks can be strictly separated from ordinary "106" text messages, and even new numbers can be set up to send official messages; You can also forcibly mark the real identity of the sender in the SMS; In terms of mobile phone system settings, it should be possible to accurately set keywords such as "loan" and "win" to block such spam text messages. Beijing Business Daily Financial Investigation Team