Sina has used “metaverse” and “blockchain”? Illegal campus loans have these routines!

Today is the “315” consumer rights and interests protection day. In combination with hot issues and common financial fraud, Beijing Banking and Insurance Regulatory Bureau sorted out and formed risk tips to help consumers popularize financial knowledge and enhance their awareness of fraud prevention. Beijing Banking and Insurance Regulatory Bureau reminds students to accurately identify the typical routines of criminals and stay away from the infringement of campus non-performing online loans.

“Zero threshold”, “unsecured” and “zero interest”, is such an online loan credible? With the arrival of the school season, the consumption demand of college students is rising, and some non-performing online loans take advantage of it. If you don’t pay attention to identification, you are easy to be cheated, resulting in damage to personal assets and reputation, and even serious consequences due to malicious collection. The typical routines of criminals are as follows:

Routine 1: network platform “zero interest” loan trap. Some Internet microfinance institutions cooperated with technology companies to induce college students to consume excessively through false publicity such as “low daily interest rate” and “zero interest”, which led some college students to fall into the trap of high loans. In fact, the so-called “zero interest” is not equal to zero cost. There are often various hidden costs such as “service fee”, “handling fee” and “overdue billing”. Such publicity deliberately blurs the actual borrowing cost. The comprehensive interest rate level of the product may be very high, and high fees will be incurred once overdue.

Routine 2: malicious collection by network platform. After some college students borrow from informal Internet platforms, once they fail to repay, they and their family and friends around them may be harassed by SMS, wechat and telephone, as well as insulted, intimidated, threatened and violent collection. In addition, the network platform may adopt various means of malicious collection, such as posing as the public security law, which is very easy to cause a series of family and social problems.

Routine 3: cancel the trap of “campus loan”. Some criminals are posing as Internet platforms to serve customers, using personal information obtained by illegal channels, and accurately report the name, ID number, loan, home address and other information of the students on the telephone. After the college students relaxed their vigilance, the criminals lied that they needed to cooperate urgently to cancel the campus loan account according to the relevant national policies, otherwise it would affect personal credit investigation and generate high overdue fines. The ultimate purpose is to lure the college students to transfer the funds to the swindler’s account after lending on the loan platform.

Routine 4: “metaverse” “blockchain” network trap. At present, there are some “small games” on the Internet, which hype under the concepts of “metaverse” and “blockchain”, claiming that “making money while playing games” and “short investment cycle and high income”, luring students to invest by exchanging virtual currency and purchasing game equipment, and even luring students without economic foundation to borrow money from the network platform for investment, and finally run away with money.

There is a great crisis behind these campus non-performing online loans. Faced with repayment pressure, some students choose to “support loans with loans” and “long loans”, resulting in high debt; Some students suffer from long-term violent debt collection due to their inability to pay back, and their physical and mental health have been greatly damaged.

Beijing Banking and Insurance Regulatory Bureau reminds the majority of students: rational consumption “do not lend indiscriminately”, and a beautiful youth is not in debt.

First, rational consumption, no random lending, and do not turn the “school season” into a “money owed season”. We should establish the concept of rational borrowing and consumption, improve the awareness of online loan risk prevention, promote the virtue of diligence and thrift, scientifically arrange living expenses, increase income and reduce expenditure, live within our means, and do not leave an opportunity for campus non-performing online loans. We should have a correct assessment of our own economic affordability, and do not blindly borrow or over borrow regardless of the consequences, otherwise students and even families will be in trouble.

Second, reasonable lending should be formal, and do not regard “fake Li Gui” as “real Li Kui”. Give rational play to the role of lending products, establish a sense of responsible lending, do not rely too much on lending consumption, let alone “support loans with loans” and “long lending”. If you really need to borrow money, you should choose formal financial institutions and formal channels to obtain financial services. You can call the official customer service telephone of financial institutions or go to the business outlets of financial institutions for consultation. We must not trust the fraud bait of criminals to exploit the loopholes of campus non-performing online loans.

Third, seeking relief should be rational, and do not turn “campus loan” into “campus harm”. Campus non-performing online loans are like “Pandora’s box”. Students should not touch it for their unreasonable desires. If you unfortunately encounter non-performing online loans, you must remain rational and not be coerced by criminals or take extreme solutions. Instead, you should actively retain evidence, maintain close communication with parents and schools, choose to call the police when necessary, and safeguard your legitimate rights and interests with the help of legal weapons.

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