The looming online loan
Li Qiang, a 27-year-old teacher, 202 1, was found at 8 am on April 7th. He clenched his fists and put his seat belt around his neck. His nose and mouth were bleeding, and he died in a white car. It has been four days since he suddenly disappeared.
Behind the simple operation.
If you want to borrow money on hand for turnover or consumption, it is more complicated to take the normal bank loan channel and the requirements for credit investigation are stricter, so some people want to find some "shortcuts".
(Photo courtesy of Yibin Public Security Bureau, tools for criminals to engage in illegal peer-to-peer lending)
According to John Yang, illegal peer-to-peer lending can be roughly divided into fraudulent lending and conventional lending. Although the methods are different, the ultimate goal is to take the victim's "blood".
Fraud, the carrot in the mouth
"This kind of loan fraud is like a carrot hanging on the donkey's mouth. It lets you see it, but you can't eat it. You can only pay him back again and again. " Taking the case of John Yang recently uncovered by Yibin police as an example, this paper shows how the victim fell into the "trap" set by criminals step by step.
The police arrested the criminals who engaged in illegal peer-to-peer lending. Photo courtesy of Yibin Public Security Bureau)
Apply to Wang Kai Customer Service Commissioner for cash withdrawal, pay 500 yuan handling fee as required by the other party, and send your own bank card number. After more than half an hour, the other party replied that the card number of the receiving bank was wrong and showed a screenshot of the wrong bank card number. (Policeman: This is a common trick of criminals. Modify the bank card number uploaded by myself with the modification software, and the screenshot proves that I entered it incorrectly. )
Finally, Wang Kai, who realized that he had been cheated, called the police. Through more than 40 cases, the task force excavated a new type of online fraud industrial chain from Myanmar to China, arrested 46 suspects, seized more than 80 Duobao cards10 and more than 80 Romanbao devices. (Police: The case involved Yunnan, Sichuan, Shandong and other places, with more than 5,000 victims.
Regular loans, so you don't know yet.
If the loan is not available, but it is still a "fraudulent loan", the victim can stop the loss as long as he wakes up; However, more and more "routine loans" that really give you loans and use various routines to let you borrow are fierce, and even many victims know that they have been cheated and cannot get rid of them.
In 20 19, when investigating a case of intentional injury, Jiang' an county police dug up a gang engaged in illegal activities of "routine loan" in Yibin according to relevant clues. (Police: The team is under the "shell" of Yibin Agency Branch, a formal online lending platform abroad. On the surface, it is a formal loan, but actually it is a variety of "routines")
Routine 1: the loan will receive "beheading interest" first. They borrowed 20,000 yuan online, but actually only got 17750 yuan. 250 yuan has been detained as a "security deposit". If you can't repay the money on time in a certain month, you won't get your money back. (Policeman: This is what people commonly call "decapitation benefit". Criminals will try their best to make you breach the contract, such as accurate repayment time, making excuses not to contact the borrower, and even making the borrower unable to repay on time in the name of system maintenance and telephone failure. After overdue repayment, you can collect the "deposit" with dignity).
Routine 2: (soft) violent collection. When the borrower fails to repay the loan on time, not only the "deposit" will be confiscated, but also various (soft) violent collections will be encountered one after another. Including but not limited to telephone threats, family harassment, illegal detention and violent beating, of course, sending people to collect money will also charge 200 yuan/person/day's labor fee (travel expenses, fuel costs).
Routine 3: Borrowing the new and returning the old. After some (soft) violent collection, most borrowers just want to pay back the money as soon as possible to tide over the current difficulties. What if you really can't afford it? Yibin Branch has its own "supporting services". Or let you refinance, that is, borrow new debts to pay off old debts; Or let you borrow money to buy a car, they take the car money, and you slowly pay back the bank car loan; Or use your car or house to get a loan from the bank. This has formed a vicious circle of more and more debts. Some people have changed their loans two or three times. Within two years, the initial loan of 40,000 yuan has increased to 70,000 yuan, and there is no hope of paying it off. (Policeman: They just don't want the borrower to repay the loan so that they can slowly drain you, even involving relatives and friends)
According to the police investigating the case, in 2020, the city verified more than 50 cases of illegal "routing loans", involving millions of yuan, but this may be just the tip of the iceberg. (Policeman: China people have an opinion:-. It doesn't matter whether you are beaten or not. Some people would rather run away from home than call the police for fear of losing face when things get out. )
Police tip: stay away from illegal online loans
During the interview, the police handling the case repeatedly stressed that to stay away from fraudulent loans and routine loans, first of all, don't believe in the evil peer-to-peer lending platform. Don't click or install unsafe network link programs, and don't trust so-called unsecured loans. If you need funds, you must go to legal and formal financial institutions or platforms and borrow money through formal procedures.
According to Article 670 of the Civil Code, "the loan interest shall not be deducted from the principal in advance. If interest is deducted from the principal in advance, the loan shall be repaid according to the actual loan amount and interest shall be calculated. " Article 680 "usury is prohibited, and the loan interest rate shall not violate the relevant provisions of the state." Laws and regulations, etc. If the victim unfortunately encounters fraudulent loans or routine loans, he should call the police at the first time. At the same time, we should pay attention to the prevention and evidence collection of the other party's violence, intimidation, harassment and provocation. He should be good at using legal weapons to safeguard his rights and interests, and he should not get deeper and deeper with luck.
(Some characters in the text are pseudonyms)
This article was published in New Sanjiang Weekly (No.18) on May 6, 2002.
Related Q&A: Is Xiaomi Financial Loan Real? According to the news released by Xiaomi Finance, Xiaomi Finance is a personal integrated financial service platform of Xiaomi Company. According to Fortune magazine's latest ranking of the world's top 500 companies, Xiaomi Company, which has been in business for less than 9 years, has successfully ranked among the world's top 500 companies, so Xiaomi Loan is still very reliable in the platform background. The interest of Xiaomi loan is 0.05% per day, which is calculated from the date of loan issuance, and is not calculated on the repayment date. The unpaid amount after the repayment date, including the principal and interest, will be charged with penalty interest, and the penalty interest amount is 65438+ 0.5 times of the original interest, that is, 0.75% per day. The repayment date of Xiaomi loan is 10 every month, that is, the repayment date of the month after the loan is issued is 10. If the loan of last month is not repaid, the penalty interest will be calculated after 10. In addition, each amount can be divided into six loans at most, and the system will automatically calculate all the amounts due on the same day of each month, that is, the amount due on the repayment date. Note: 1. Online lending is a double-edged sword. If used well, it will bring convenience to your life. If it doesn't work well, it will bring you a lot of trouble. Whether this sword can be opened or not depends on yourself. 2. Regular online lending institutions have strict loan approval procedures. Even if the lender is not required to provide collateral, it is necessary to review the lender's credit history, income, work or business situation and other information, and there are strict restrictions on the loan amount and loan term. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle.