Recently, Mr. Li from Shandong received a strange call asking him if he needed a low-interest loan.Mr. Li, who was worried about the shortage of funds, downloaded an online loan app according to the other party's instructions.After some operations, the other party defrauded Mr. Li four times for a total of more than 100,000 yuan on the grounds of capital verification and certification.
The Anti-Fraud Center of the Cyberspace Administration of China recently monitored and found a number of fraudulent incidents of counterfeit investment platforms.The reporter's investigation found that many fake online loan apps imitated banks and financial platforms, and the fraudsters diverted traffic and distributed them in large quantities.
I left my mobile phone number and received multiple online loan fraud calls on the same day
"We have prepared a loan amount of 400,000 yuan for you, please pay attention to check" "No mortgage, low interest rate, fast loan"... Aiming at some people's "money eagerness" mentality, fraudsters published a large number of "black households can be used for money" on the Internet. Advertising information such as "credit" and "no review" to attract users to hook.
The reporter randomly entered a website called "Black Household Loan".The website claims, "Submit in 1 minute, credit in 3 minutes. Don't need a RV as a mortgage, apply from 25 to 50 years old. Regardless of black and white, 100% loan."Under the guidance of the website, the reporter left a phone number, and then a loan app popped up on the website. You can click the link to download it without going through the app store.
The reporter randomly logged on to more than a dozen similar websites, and also received overseas calls, requesting to download the designated loan app.
"These numbers are all fraudulent calls. Remember not to download the software, and don't believe any promises to make payment first." During the reporter's unannounced visit to the fraudulent online loan app, the police issued several warnings over the phone to remind the reporter that he had been deceived. risk.
"Li Gui"-style App iteratively updated through multiple channels for drainage and promotion
The reporter's investigation found that in recent years, fraudsters have upgraded and changed their modus operandi, and the online loan fraud apps have been edged, iteratively updated, and more deceptive.
——Defrauding under the guise of a well-known company.
Fraudsters imitated platforms such as Jingdong Finance, Ma Finance, 360 IOU, etc., and launched a large number of "Li Gui"-style apps, using similar logos and product introductions to confuse the real ones, and "small rebates" to induce netizens to visit and download, and then commit fraud.Ping An Bank has issued a statement that criminals use counterfeit apps and websites to conduct loan fraud.
Mr. Lin, who lives in Fuzhou, Fujian, was deceived of 4,000 yuan to unfreeze money on the Yiren Fortune app developed by himself claiming to be "Yeren Fortune Co., Ltd. Zhengzhou Branch".When he complained to Pleasant Wealth, the company responded that its official staff would not charge fees in any name, and that Mr. Lin had been scammed by a fake online loan app.
- Avoid auditing through website packaging.
The reporter's investigation found that many fraudulent financial apps downloaded by victims according to the "guidelines" were packaged by black and gray technicians according to the requirements of the fraudsters.The so-called encapsulation is to package the URL, application name, LOGO, and startup image to form an App application package, so that the website can be presented in the form of an App.
Chang Wen, deputy director of the Center for Preventing and Governing Telecom Network Fraud at the Institute of Security Research of the China Academy of Information and Communications Technology, said that through the app packaging and distribution platform, developers can automatically generate and distribute apps with simple clicks.Fraudulent apps are not put on the app store in the mobile phone system, and the scammers send installation packages or links to the victims to download, evading the application risk review and developer information registration system.
——Multi-party drainage and mass distribution.
The methods of attracting traffic to fake online loan apps include setting up fake loan websites to wait for victims to be hooked, or promoting them through various channels such as phone calls, text messages, WeChat groups, QQ groups, etc. Illegal purchase of the information of persons who need loans through the black and gray industry chain is accurate and fraudulent.
According to the Shandong police, fraudsters also attract traffic by pretending to be couriers, posting part-time advertisements in the "Bao Ma Group", and posting advertisements in post bars, etc., with more channels, higher frequency, and stronger activity.
Control key links such as the production and dissemination of fraudulent apps
Since the beginning of this year, the police in Shandong, Jiangxi, Henan, Guangdong and other places have strengthened the governance of fraudulent online loan apps.In the first half of this year, Shandong police cracked down about 101% year-on-year in online loan fraud cases.
Liu Junhai, a professor at the Law School of Renmin University of China, said that in response to fraudulent online loan fraud, strengthening the comprehensive governance of communications, finance, and the Internet is still the key, and various industry authorities should strictly implement the responsibility of the main body of supervision.
Industry insiders believe that in combating the production of fake online loan apps, we should focus on small and micro technology companies and individuals involved.
For the promotion and drainage of fake online loan apps, the industry recommends strengthening the regulatory requirements for telecom operators, large Internet search platforms, and large social software companies, effectively strengthening the financial qualification review of advertisers and traffic buyers, and preventing the spread of false information.
The relevant responsible comrades of the Cyberspace Administration of China pointed out that fraudsters imitate investment platforms to induce defrauding netizens, causing netizens to suffer serious property losses, and may also lead to personal information leakage, which should be paid enough attention.The general public needs to download the App through official official channels; in case of unofficial customer service contact, pay attention to verifying the identity of the other party, and do not perform transfer operations.App stores and other platforms should strengthen the security review of apps available for download to prevent fake apps from fishing in troubled waters and harming the majority of netizens.
