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What is the method of online loans without any guarantee?

Mr. Mao (pseudonym), who lives in Baoan, Shenzhen, received a text message saying that he could get a loan. The interest rate for a loan of 10,000 yuan per month is as low as 68 yuan.

Believing it to be true, he clicked on the link in the text message and downloaded an APP. Although the browser warned that the downloading behavior was risky, the other party told him that this was a normal phenomenon and that the APP was in the testing phase and would not affect the loan operation.

Mr. Mao believes that apps from large companies should not have too many risks. Without having time to think about it, he filled in his personal information and bank card account number on the APP. On the same day, the customer service asked Mr. Mao to transfer money in the name of handling fees, deposits, bank account unfreezing fees, cash withdrawal fees, etc., and told him that he would be charged later. to all transfer amounts and loan amounts.

The gentle tone of the customer service lady made Mr. Mao relax his vigilance. When he didn’t receive any money, he transferred 8,000 yuan. However, he still hadn’t received the loan at night, so he sent another message. When I called customer service, I found that I had been deleted.

At this time, Mr. Mao realized that he had been cheated, and he went to the police station to call the police.

What is the APP that the scammer asked Mr. Mao to download?

What is the truth hidden behind the APP?

Is Mr. Mao the only "fat sheep" to be slaughtered?

Start with fake loan APP technicians

Cut off the gray and black industry chain

The police conducted an investigation and found that there were more than ten similar cases in Shenzhen, all committed by the same professional criminal gang.

After efforts in multiple directions, clues for building and making fake websites gradually gathered in Longyan City, Fujian Province, and a man named Chen Moubin was identified.

After staying on guard all night, the police arrested the criminal suspect Chen Moubin and seized the computer, USB flash drive, key electronic evidence in his crime den, as well as the 360,000 yuan he received from providing technical services to the fraud gang. Stolen money.

Through Chen Moubin, the police also identified multiple suspects along the route, who had participated in recruiting and matching fraud gangs, testing fake websites, packaging fake websites into APPs and performing signature authentication, modifying website source codes, etc. . Subsequently, Shenzhen police successively arrested criminal suspects Wu, Xiang, Jiang, Zhu and others in Hubei, Anhui, Hunan and other places. So far, this gray and black industry chain gang that provides technical support for online loan fraud has been wiped out.

Technicians created fake loan APPs

More than 2,000 cases of fraud were involved

The electronic evidence of crimes committed by the gang was verified, and it was verified that multiple provinces across the country were involved There were more than 2,000 loan fraud cases.

Chen Moubin was once a small boss. He had opened an Internet company and had some technical skills in APP and website production. After the company collapsed, Chen Moubin came into contact with the fraud gang by chance, and then started to have evil thoughts.

Relying on past technology, Chen Moubin found people online to package and process these APPs, and a copycat APP that was difficult to distinguish between genuine and fake was born.

Scammers find targets by sending text messages or making phone calls. After the victim downloads the copycat APP, he pretends to be a customer service representative to obtain personal information such as his ID card, and then requests a transfer for reasons such as "unfreeze fee". And all of this is performed and operated on the APP.

Online loans have become more and more common in recent years

But online loan platforms are a mixed bag

You may be deceived if you are not careful

Police As a reminder, regular online loan APPs will not charge any fees before disbursing money. Those who charge must be scammers. The customer service of regular online loan APPs will not contact users through unofficial channels, such as personal WeChat, personal QQ, etc., nor will they contact users. Ask for personal information and verification code.

When downloading a loan app, users must choose regular official software and download it from regular application platforms such as the mobile application market. Do not easily click on application supplier links and QR codes from unknown sources to download and install software.

In addition, these scammers’ common tricks

You need to understand

Tact 1: Pay fees before taking out a loan

These criminals will first After gaining the victim's trust, they will then charge the borrower fees for various reasons. When the borrower inquires about the loan, he will shirk it with various reasons and then run away.

Routine 2: Go to great lengths to obtain information

Those loan advertisements with attractive conditions that pop up on the Internet, such as "zero doorframe" loans, "just use ID card" "You can get a loan", "There are rebates for small loans", etc. The purpose is often to steal the victim's personal information.

Routine 3: Use the college student entrepreneurial loan policy to make profits

This type of criminals specifically targets college students who lack social experience, and often resorts to loan sharking to defraud students of their money.

Routine 4: Lie about various identities and cancel loan accounts

These criminals will falsely claim to be staff of some well-known APPs, remind you to cancel loan accounts in time, and then defraud fees. .