A man was deceived by 260,000 for "canceling the campus loan". This telecommunications fraud routine must be vigilant

In recent years, the situation of telecommunications network fraud crimes has been severe, and a large proportion of criminal criminal cases. Criminals use new telecommunications network technical means to drill the loopholes in management, and use illegal acquisition of personal information and online black and gray industry transactions to implement accurate accuracy Fraud, drilling management loopholes, organizationalization, chain operation, and implementation of cross -border and cross -regional implementation, seriously endangering the people's sense of gain, happiness, and security.

From September 5th to 11th is the National Network Security Propaganda Week in 2022, and September 7th is the Publicity Week Telecom Day. The theme of this current network security propaganda week is "network security as the people, and network security depends on the people". The Ministry of Industry and Information Technology advocates that the whole people pay attention to network security, enhance the awareness of cybersecurity, strengthen data security protection, strengthen personal information protection, beware of telecommunications network fraud, prevent network security risks, and build a network security line of network security.

A reporter from Nandu · Bay Finance investigated and sorted out a typical case of financial telecommunications fraud, and summarized these "routines" of scammers who carried out the banner of "eliminating campus loans", hoping to attract the vigilance of the general public.

Case

Need to cancel on campus loans? Deceived 20,000

Huang Jun (pseudonym) received a call from the staff claiming to be a financial institution staff on April 17, 2021, claiming that he was commissioned by the Banking Regulatory Commission to assist Huang Jun to cancel the campus loan, and truthfully told Huang Jun's ID number, graduated Schools and other personal information and borrowing. At the request of Huang Jun's many times, the other party also presented the relevant work documents and the licenses of the China Banking Regulatory Commission to prove the authenticity of their identity and discourse. Huang Junxin thought it was true. He was guided by step by step to the QQ group for video sharing, and cooperated with his download and installation APP software to install and clear the recycling quota adjustment.

After the loan was transferred to the other party by more than 100,000, Huang Jun realized something wrong. He reported to the police station in Haizhu District, Guangzhou on the evening of April 17, and tried to ask the other party to recruit the transfer of the transfer. To the direction, Huang Jun said that he was indeed a staff member of the financial institution, and he could return the money to Huang Jun, but randomly stated that the money money had a problem that did not match the reconciliation when returning. After withdrawing the money on the online loan platform, transferred to the designated bank account after withdrawal, and then returned all the money to Huang Jun after checking it.

Huang Jun believed in the other party's speech, thinking that the other party was indeed the staff entrusted by the Banking and Insurance Regulatory Commission to regulate the interest rate of loan rates. In addition, because of the trust of the real -name system for the cardholders, they transferred to the other party on the morning of April 18th to the other party. More than 100,000 yuan. As a result, Huang Jun told a reporter from Nandu · Bay Finance that after the transfer was completely lost, he realized that he had completely fell into the trap of telecommunications fraud, and was scammed nearly 260,000 yuan before and after. Although the transfer operation on April 18th, Huang Jun recorded a video and audio evidence reported to the public security investigation, and the incident had been filed and was listed as a criminal case. Check accounts, and he was carrying heavy debt pressure for this.

A reporter from Nandu · Bay Finance consulted the relevant situation to the staff of the financial institution. The staff told reporters that this is purely a fraudulent behavior of criminals who pretend to be the staff of the institution. In fact, the company's business products do not involve involved Campus loans, and the corresponding lending business is always standardized, it will not easily contact users to carry out cancellation, let alone encourage users to operate accounts on the grounds of "cleaning up campus loans".

Routine disassembly

Use "campus loan" to design the implementation of telecommunications network fraud routines

This is actually a typical telecommunications network fraud routine that criminals have used "campus loans" in recent years. In such scams, criminals obtain personal identity information of fraud through illegal channels in advance, and then use the name of "cancellation of campus loans", use private telephone and social accounts, etc. ", Threatening the victim will be included in the blacklist of credit, paying high interest, etc. If you do not clean up, let the victim loans through multiple third -party platforms and transfer to the designated personal account after withdrawal, thereby cheating funds.

After the victim noticed that it was wrong, the criminals also proposed to return the money to let the victim relax the vigilance, but then it provided a screenshot that did not match the reconciliation to induce the victim to transfer the money again to form a fraud "set". Those who are deceived may borrow from multiple platforms and transfer to the scammers. Once they are fooled, they can easily cause large losses and carry huge debt.

A reporter from Nandu · Bay Finance noticed that many people have stated on the major social media platforms and complaints websites that they claim to receive a call from a staff member of a financial institution and have been induced to apply for consumer loans.

Analysis of crime routine:

The scammer claims to be a customer service of a financial institution, and can report the victim's name, ID card, graduation school and borrowing information to obtain preliminary trust in the victim.

The scammers say that the victim is registered with a student and does not meet the regulations. It needs to cancel the account. Otherwise, it will affect the credit reporting, and at the same time, it will cause the victim's borrowing interest to become higher, that is, the principal of the victim is charged, that is, the unreasonable deduction or even the arrears.

The scammers will provide the victims with a fake financial institution work certificate, the Banking Regulatory Commission authorized the company to handle the authorization certificate of "campus loan" to dispel the suspicion of the victim.

The scammers will test the money of the victims, and the scammers will induce the victims to open some platforms that can borrow money and let them verify the loan amount they can receive. The scammers will induce the victim to withdraw the loan from the loan platform to my bank account, and then transfer to the designated "security account" from my account.

The scammer claims that when the money is returned to the victim, he shows not matching the reconciliation. He requires the victims to transfer another money to them. After checking, they will return all the money to the victims, causing the victim's further property loss.

The Guangdong Provincial Public Security Department reminds the general public that paying more attention to "12381" or "96110" warning SMS or telephone. If you receive a text message or telephone reminder, it means that you are encountering telecommunications network fraud or belonging to high -risk people who are vulnerable to cheating. After answering, patiently listening to the police discouraged to avoid being deceived.

Supervision

"The People's Republic of China Anti -Telecom Network Fraud Law" recently voted for

Telecom network fraud crimes have become the highest case, the largest losses, and the strongest reflection of the crime of the currently most incident. It is difficult to effectively curb the multiple incidence. It requires further improvement of the system, resolutely crack down on governance, and safeguard the people's vital interests of the people. To this end, the regulatory authorities are also making corresponding efforts.

On September 2, 2022, the thirty -sixth meeting of the Standing Committee of the 13th National People's Congress voted through the "Anti -Telecommunications Network Fraud Law of the People's Republic of China". The bill will be officially implemented on December 1, 2022. As a special legislation of "small incision", the bill focuses on strengthening the construction of preventive legal systems, strengthening the construction of a coordinated linkage work mechanism, and increasing punishment for illegal criminals. Promote the formation of full -chain anti -fraud, entire industry blocking, and anti -fraud in the whole society.

The reporter learned that the recently passed anti -telecommunications network fraud law is mainly aimed at the information chain, capital chain, technology chain, and personnel chain of information on telecommunications network fraud to strengthen the construction of preventive system measures and changes to the "dead sheep to make up". The heavier "strike" is "anti -control and control". And clearly stipulate the basic management system of telephone cards, financial accounts, and Internet services, cut off telecommunications network fraud from the source, and implement the authentic identity information registration system for telephone users.

The implementation of telecommunications network fraud is inseparable from the use of personal information of the victims. Obtaining personal information of citizens is often the basis of telecommunications network fraud. The anti -telecommunications network fraud law has special regulations for the protection of personal information. Those who clarify personal information processing shall regulate personal information processing in accordance with the "Personal Information Protection Law of the People's Republic of China", strengthen personal information protection, and establish personal information for being used for being used for personal information. Prevention mechanism of telecommunications network fraud.

Since the beginning of this year, the Guangdong police have taken the work of cracking down on telecommunications network fraud crimes as one of the "three major tackling operations" of public security organs in the province this year, coordinating the power and resources of the full police, and fully promoting the five major measures of fighting, defense, management, governance, and declarations. Essence From January to May of this year, the province of Guangdong Province broke a total of 1,2851 criminal crimes in the province of Guangdong Province, and 17,423 suspects were arrested, a year -on -year increase of 24.59%and 54.10%.

A reporter from Nandu · Bay Finance learned from the Guangzhou Public Security Bureau that the Guangzhou Public Security Bureau made every effort to promote "anti -fraud and anti -fraud", further strengthen clue research and judgment. Business, compact the main responsibility. Data show that in the first half of 2022, the city's accepted electrical fraud police in Guangzhou decreased by 20.2%year -on -year, and 4,783 electrical fraud cases were actually cracked, an increase of 87.9%year -on -year.

The introduction of the anti -telecommunications network fraud now has a great effect on substantially curbing telecommunications network fraud, from the perspective of short -term suppression or long -term effects. Here, the reporter also reminded the general public to raise their vigilance, improve their anti -fraud consciousness, do not easily believe in the identity information of the other party, do not easily disclose their personal information, let alone transfer to strange accounts easily.

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