2. Many black platforms use the psychology of victims who want to make money easily to induce investors to actively invest a lot of money. What are the common frauds now: financial investment, movie investment, playing games, brushing bills, playing lottery tickets, recommending stocks and paying service fees, gambling on stones, joining, managing money, and brushing gifts for live broadcast.
1. What are the routines of financial fraud?
Beheading interest: This is the method adopted by many illegal lending platforms at present. Obviously borrowed 1 0,000, but actually only received 8000. Using various names to withdraw cash, this kind of using multiple related entities to collect money seems to be bullish, but in fact it is deceptive and illegal;
Typical conventional loan fraud. Obviously, the money I got was 8000 yuan, but the contract amount was 1 000 yuan. Many loan companies will trick borrowers into saying that the contract is not counted, just for the convenience of auditing accounts. This verbally agreed payment method is quite unreliable. When it comes to repayment, the lender will immediately turn his face and refuse to admit it at all, so don't trust others.
Violent collection: routine loan is actually a crime of fraud. If the circumstances are serious, the borrower will lose everything, so everyone must collect evidence and report the case in time. Criminals often take advantage of the borrower's psychology and take collection measures such as telephone bombing, address book explosion, disclosure of personal information, and P-charts to force the borrower to repay as soon as possible. What they can pay back is a little, and they will make money anyway.
2. How to prevent financial fraud:
Prevention: First of all, we should do our own prevention work. When conducting financial activities, first, complete the registration and certification of real-name registration system as soon as possible to further ensure the security of accounts. The second is to be wary of "phishing" messages that need to input payment information. Third, try not to use public computers or free WIFI when paying. Fourth, avoid using birthdays, numbers, initials, etc. As a payment password.
Popular science: extensively study financial knowledge and improve your ability to identify illegal financial activities. 1. To identify illegal financial advertisements, we should learn the Advertising Law of People's Republic of China (PRC) and other relevant laws and regulations, understand the basic knowledge of Internet finance, master the types and identification methods of common illegal financial advertisements, and take remedial measures to be misled by illegal financial advertisements.
Thinking: Think more, be vigilant and avoid blind and impulsive financial transactions. Speaking of illegal financial advertisements, when the benefits of financial advertisements are exciting, we should think about where the risks of financial products in advertisements are and how much our own risk tolerance is.
Q: According to the regulations, all operators of financial products should obtain corresponding financial business qualifications. In the face of the promotion of wealth management products, you can ask whether the company has the qualification to issue wealth management products, whether the salesman has the qualification certificate, the risk of the products and the target population. When you are not sure of its authenticity, you can call the official hotline for consultation.