CCTV News:On May 4th, the police in Jiulongpo District of Chongqing announced that they had cracked a serious fraud case of "routine loan". The police acted at the same time in Chongqing, Guangzhou, Shantou, Sanya, Chengdu and other places across the country, arresting more than 290 suspects and destroying more than 70 fraud dens.
At 3 o’clock in the afternoon of April 18th, Chongqing Jiulongpo District Public Security Bureau dispatched more than 700 police officers, and carried out centralized arrest operations in Chongqing Shiqiaopu Business Circle Cybercity and Atlantic International Office Building.
Chun Wong, Chief of Comprehensive Brigade of Criminal Investigation Detachment of Jiulongpo District Branch of Chongqing Public Security Bureau: "At the same time, we also sent arresting teams from other places to Shantou, Guangzhou, Chengdu and other places for early ambush and surveillance. By 3: 30 pm, each group was started at the same time, and all the suspects were successfully controlled within one minute, and all the evidence was fixed. "
Subsequently, the police mobilized five buses to take all the suspects away and review them one by one.
Chun Wong, Chief of Comprehensive Brigade of Criminal Investigation Detachment of Jiulongpo District Branch of Chongqing Public Security Bureau: "A total of more than 290 people involved in the case were arrested. After preliminary examination, criminal compulsory measures were taken against 250 of them."
At present, the case is being further processed, and more than 1200 victims have been identified.
The victim gets 60 thousand and 70 thousand
What is the "routing loan" fraud? This should also start with a large number of warnings found by Chongqing police in Shiqiaopu IT business circle at the beginning of this year. According to the survey, there are a large number of small loan companies in the market here, which trick victims into falling into the trap of "routine loan" under the guise of not needing mortgage, lending on the same day or charging only a small fee.
Mr. Chen, who is in urgent need of money, is a victim of "routine loan". He was tempted because a loan company claimed that the loan did not need mortgage and promised to lend on the same day. However, when he entered the company, the waiter said that he could not give him the loan directly, and he had to borrow the money by installment through his mobile phone.
Victim Mr. Chen: "He gave me three mobile phone installment loans. At that time, a mobile phone was more than 4,000 yuan, and a total of three mobile phones were loaned. The three mobile phones actually transferred 6,000 yuan to me."
In other words, a mobile phone loan is more than 4,800 yuan, and Mr. Chen borrowed three mobile phones totaling more than 14,000 yuan, but he actually only got 6,000 yuan. However, Mr. Chen’s loss is far more than that.
Victim Mr. Chen: "I just picked up my mobile phone and gave him my bank card, ID card and mobile phone. He meant to transfer the money borrowed from my mobile phone to me. As a result, I downloaded a software on my mobile phone and lent me 30,000 yuan on the software platform. As a result, he gave me all the other 30,000 yuan. I didn’t know this 30,000 yuan until a month later. "
In this way, Mr. Chen got 6000 yuan through the loan from this small loan company, but with interest, Mr. Chen needed to pay back 70000 yuan. After learning that he was cheated, the victim Mr. Chen immediately called the police for help. After receiving the alarm, the police quickly investigated the case and found that there were many such cases.
The police exposed the fraud of "routine loan"
How does the "routine loan" routine the victims and let them fall into the trap step by step? The police exposed several major fraud methods of "routing loans".
According to reports, "routing loan" mainly has several operation methods. The first one is the simplest, that is, deducting the high "handling fee" far beyond the normal level. The second is to "sell mobile phones" by installment. A cheap mobile phone is finally sold at a high price through a high interest mortgage, so as to cash out. The third way is to use the victim’s mobile phone to bind the bank card without authorization. After taking advantage of the victim’s unauthorized increase in the quota, he cashed in with the POS machine and lied that it was the loan that he helped the victim handle, and charged a high handling fee under various pretexts. The fourth way is to use the victim’s mobile phone and identity information, bank card, download the APP without authorization, borrow money from the microfinance company, and transfer it to his account, and then delete the loan traces on the victim’s mobile phone. And the fourth way is the worst.
Xie Wenjun, a policeman of the Criminal Investigation Detachment of Jiulongpo District Branch of Chongqing Public Security Bureau: "In fact, all the loan information and loan contents are all the names of the victims themselves, and the suspects did not leave a trace in the whole process."
In this way, the suspect transferred all the loans borrowed from the mobile APP, and let the victim bear all the repayments, and the victim usually didn’t know that he was cheated until one month later.
Xie Wenjun, a policeman of the Criminal Investigation Detachment of Jiulongpo District Branch of Chongqing Public Security Bureau: "Because the APP online loan takes about a month, the company urges him to repay, and then the victim knows that he has borrowed a lot of money online."
It is understood that once the victims want to call the police or ask the industrial and commercial departments for help, they will return some or all of the funds to the victims, so as to avoid the blow.
Sun Weiguo, a policeman of the Legal Detachment of the Criminal Investigation Corps of Chongqing Public Security Bureau: "Try to borrow money from regular financial institutions and banks, and don’t let criminals take advantage of it because of petty gain or convenience. When you find that you have been defrauded by a routine loan, don’t hide it because you are afraid or love your face. You should report the case to the public security organ at the first time, and at the same time keep the relevant loan contract, WeChat, SMS, chat records and other evidence and submit it to the public security organ in time. "