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The development of the Internet has also made many people have the habit of opportunism, so it has also spawned many scams, such as the most powerful microfinance scam. I don't know how many people go bankrupt because of small loans. So, how to prevent microfinance fraud? What should I pay attention to?
1 Understand whether the loan procedures are formal.
Generally speaking, if it is a formal loan, there will be very complicated procedures, and it will be approved after layers of review. If it is too simple to apply for a loan and even an ID card can be applied, it must be a liar.
2 Understand the background of the lending platform
There are many micro-loan apps now, as long as you can borrow money on your mobile phone. Before borrowing money, you must first understand whether this platform is formal or not, so as not to be victimized.
3 avoid falling into high interest rates
Formal loans will not have high interest rates, but if you join the informal microfinance platform, you will fall into high interest rates. If you find it, you must call the police and take the law to safeguard your legitimate rights and interests.
4 Avoid exposing personal privacy
Some informal lending platforms, in order to better collect debts in the future, let themselves expose more privacy as collateral, such as personal address books and nude photos. As a threat. Never borrow money from such a platform.
5 avoid borrowing fees.
The formal lending platform will not charge fees. If some lending platforms directly deduct fees, such platforms are very informal and are liars. Don't trust them.
6 avoid the psychology of being greedy and cheap.
There are many people who always want to get something for nothing and always think that microfinance is illegal. Therefore, they can borrow money without change, but they are actually smarter than them. Since they dare to lend it to you, you can naturally repay it. Don't covet these advantages.
7. Improve vigilance against being fooled.
As the public, we should be prepared to guard against being cheated at all times, don't be careless in everything, and protect money and personal privacy.
8 Maintain a rational attitude of distinguishing between black and white.
As the public who are exposed to loans, we must always maintain a rational analytical attitude and conduct all-round research and investigation, which is the correct way, and we must go to the loan in a muddle, which can only harm ourselves.
9. Establish a correct loan attitude.
At any time, when we borrow money, we should not try to avoid interest, but must take the formal platform, so that our rights and interests can be guaranteed.
10 above to discuss and communicate with family members.
Be sure to discuss and communicate with your family before lending, so as to avoid falling into the microfinance scam because of the lack of ability to identify the quality of the platform.