Beijing Banking and insurance regulatory bureau again raised the metaverse network trap and revealed new scams such as zero interest loan, campus loan and blockchain

Original title: Beijing Banking and insurance regulatory bureau again raised the “metaverse” network trap to reveal new scams such as “zero interest” loans, malicious collection of network platforms, “campus loans” and “blockchain”

On the 15th, the Beijing Banking and Insurance Regulatory Bureau issued a consumer risk tip on “rational consumption, no random lending, beautiful youth, no debt” for the majority of students, and set foot in the current hot concept of investment “tuyere” – the “metaverse” and “blockchain” network trap.

It is worth noting that this is half a month after the non joint office of the banking and Insurance Regulatory Commission issued the “tips on preventing the risk of illegal fund-raising in the name of” metaverse “through the official website of the banking and Insurance Regulatory Commission on February 28, Beijing Banking and insurance regulatory bureau raised the issue of network traps involving” metaverse “.

According to the introduction of Beijing Banking and Insurance Regulatory Bureau, there are some “small games” on the Internet, which hype under the concepts of “metaverse” and “blockchain”, claim that “making money while playing games”, “short investment cycle and high income”, and lure students to invest by exchanging virtual currency and purchasing game equipment, Even entice students without economic foundation to borrow money from the network platform for investment, and finally run away with the money.

Beijing Banking and insurance regulatory bureau pointed out that with the arrival of the school season, the consumer 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 deceived, resulting in damage to personal assets and reputation, and even serious consequences due to malicious collection.

In addition, according to the previous non joint office of the Department, in addition to fraud under the banner of metaverse blockchain game, the routines of some criminals also include malicious speculation of metaverse real estate to encircle money, fabricating false metaverse investment projects and engaging in illegal profit making of metaverse virtual currency in disguise.

The Office pointed out that the above activities, under the banner of “metaverse”, are attractive and deceptive, and participants are vulnerable to property losses. Please enhance the public’s awareness of risk prevention and identification ability, beware of being deceived, and actively report to the local relevant departments if you find clues of suspected violations and crimes.

In addition, in addition to the above scams, the risk tips also introduce the following three typical routines.

One is the “zero interest” loan trap of the network platform. 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.

The second is the malicious collection of 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.

The third is to 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.

Beijing Banking and Insurance Regulatory Bureau believes that “there is a great crisis behind these campus non-performing online loans. Some students choose to ‘support loans with loans’ and’ long loans’ in the face of repayment pressure, resulting in high debt; others suffer from long-term violent debt collection due to their inability to repay, and suffer great physical and mental damage.” The Beijing Banking and Insurance Regulatory Bureau suggests that the majority of students should consume rationally and “don’t lend indiscriminately”, correctly evaluate their economic affordability, and don’t borrow blindly and excessively regardless of the consequences, otherwise they will put students and even their families in trouble.

In terms of how to identify formal loan channels, the Beijing Banking and Insurance Regulatory Bureau introduced that 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.

Blue whale finance once released “Haier consumer finance fell into the storm of” training loan “, which was accused of not doing pre loan audit and providing large amount of consumer loan to new graduates without income. Previously, it had stepped on Lei Yimei loan and down payment loan”, explaining that college students or new graduates who fell into the trap of “training loan” were used by the job search platform without income, so as to bear debt.

The Beijing Banking and insurance regulatory bureau also gives the response policies in case of fraud. If the majority of students unfortunately encounter non-performing online loans, they must remain rational and not be coerced by criminals or take extreme solutions. Instead, they should actively retain evidence, maintain close communication with parents and schools, choose to call the police when necessary, and safeguard their legitimate rights and interests with the help of legal weapons.

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