Shulou(Shulou.com)11/24 Report--

CTOnews.com October 9 news, in recent years, lawbreakers continue to renovate fraud means, so that financial consumers are difficult to guard against, personal property security is seriously threatened. CTOnews.com noted that the Beijing Administration of Financial Supervision and Administration of the State Financial Supervision and Administration recently issued a risk alert reminding consumers to focus on preventing three new types of fraud in the near future and guarding the property safety of family, relatives and friends.

Scam 1: a series of campus loans, owing money and being deceived by the Beijing Administration of Financial Supervision and Administration recently found that lawbreakers often use false information such as "zero threshold, no mortgage, no interest" as a gimmick. induce students to borrow blindly, deliberately concealing key information such as service fees and service fees, repayment deadlines, and overdue compensation, causing loan students to bear high interest. When the students are unable to repay their debts, the lawbreakers set out again to trick the students into making loans from the new platform, repaying the loans with loans, and returning to form serial loans over and over again. Under the guise of professional training, part-time internship introduction, and employment recommendation, some bad campus loan institutions, bad training institutions and career intermediary agencies will bundle up the recommended lending business to trick students into paying training fees and intermediary fees through high-interest loans. Or disguise as government workers, on the grounds of "banning college students' online loans" and "inquiry and credit information", induce students to transfer online loans to the so-called "inventory account", causing loan students to fall into a double crisis of capital and credit.

Scam 2: seeing is not true. "AI changing faces" attractive lawbreakers use the personal information obtained illegally to simulate and synthesize the portraits, faces and voices of the victims' relatives, leading colleagues, or public officials through computer algorithms, and impersonate the identity of the above-mentioned personnel to cheat. After gaining the trust of the victims, they use prepared tricks to send fraudulent information to the victims, such as bank card transfers, virtual investment and financial management, and rebate on brushing orders, and use video calls, voice bombardment and other means to further reduce the victim's sense of defense. victims are often difficult to detect anomalies in a short period of time, and once they listen to the fraudsters' tricks and complete the money transfer, they have no news of convenience.

Scam 3: pretending to be regulatory fraud recently, some lawbreakers pretended to be financial regulatory departments or their staff to carry out fraud under the banner of "protecting funds", "eliminating bad credit" and "accepting complaints". In terms of specific means of fraud, lawbreakers fraudulently use the identity of financial regulatory departments to release false "protection of funds" information through text messages, express letters, the Internet and other channels, so as to induce consumers to pay a deposit as a condition for repayment to carry out fraud. What is more, they use illegally obtained consumer personal information to contact consumers for reasons such as "resolving complaints" to induce them to enter fraudulent websites or App made by lawbreakers, and then defraud important information such as consumer bank card numbers, online banking passwords and verification codes, and steal consumer funds.

Beijing Regulatory Administration of the State Administration of Financial Supervision and Administration hints:

First, establish a correct concept of consumption, choose formal financial institutions, do not borrow in advance, do not borrow through informal financial institutions. Those who have financial needs such as borrowing, financial management and insurance should obtain financial services through formal financial institutions with corresponding business qualifications. Do not blindly believe in informal channels such as advertising text messages, strange phone calls, unknown web sites, street advertisements, and recommendations from "experts and masters".

The second is to strengthen the protection of personal information and beware of important information disclosure. The majority of financial consumers should carefully identify the risk points of personal information disclosure in their daily life. Take good care of your and your family's ID number, phone address, bank card number, password and other important information, do not click on unknown links, do not download unknown software, do not scan unknown QR codes Carefully participate in the network questionnaire survey, authorize the mobile phone App agreement, connect the public hotspot Wi-Fi; to actively learn the "personal Information Protection Law of the people's Republic of China", and have the courage to report to the relevant departments when they find information leakage, so as to jointly maintain and create a good information protection environment.

The third is to improve the awareness of anti-fraud and learn anti-fraud knowledge. With the vigorous development of artificial intelligence, text, voice, images and even video may all be deeply synthesized, so when it comes to funds such as transfer and remittance, it is necessary to verify and verify the authenticity through various channels such as dialing the other party's mobile phone number and face-to-face verification. must not rely solely on a single communication channel unverified remittance. At the same time, actively participate in consumer protection theme education activities, accept anti-fraud knowledge popular science. Pay attention to the daily anti-fraud reminders and real cases released by official websites, official accounts and mainstream propaganda columns, and understand the means of fraud. Download the national anti-fraud App, report to the police in time when you find a suspicious situation, do not panic when you fall into a fraud, pay attention to the retention of evidence, actively cooperate with the case investigation of the public security organs, and try your best to recover the losses.

The fourth is to understand their own legitimate rights and interests and safeguard their rights reasonably through official channels. Take the initiative to understand the normal work flow of consulting financial institutions and regulatory departments, and when individual rights and interests are damaged, first choose the official complaint acceptance channel published by financial institutions to deal with, and if no agreement is reached, you can apply to the local financial dispute mediation organization for mediation or reflect to the financial regulatory department that the problem of financial consumption can be solved legally and reasonably through official channels to properly safeguard your own rights and interests. Resolutely resist illegal acts such as "acting to protect rights", "credit information repair", "negotiated repayment", "surrogate insurance" and so on.

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