Viewpoint depth ｜ Fake online loan APP survey: known as "low -interest loan" counterfeit financial platform

Recently, Mr. Li, Shandong, received a strange call and asked if he needed a low -interest loan. Mr. Li, who is worrying about the shortage of funds, downloaded an online loan app according to the guidance of the other party. After some operations, the other party deceived Mr. Li for a total of more than 100,000 yuan for the verification and certification of 4 times.

The National Internet Information Office's anti -fraud center recently monitored many incidents of fraudulent investment platforms for fraud. The "Xinhua View Point" reporter's investigation found that many false online loan apps imitated banks and financial platforms, and scammers were drained and distributed in large numbers.

Unannounced visits: Leave a mobile phone number to receive multiple online loan fraud calls on the same day

"We have prepared the amount of 400,000 loans for you, please pay attention to check" "Unsecured, low interest rates, fast lending" ... Aiming at the psychology of some people "with money", scammers posted a large number of "black households can be available on the Internet. Advertising information such as loan "" no review "attract users to hook.

The reporter randomly entered a website called "Black Family Loan". The website claims, "Submit 1 minute, 3 minutes to get the account. It is applicable to mortgage loans without RVs from 25 to 50 years old. Ignore black and white, 100 % lending." Under the guidance of the website, the reporter left the phone number, and then a loan app popped up on the website. You can click the link to download without the application store.

The reporter also randomly logged in to a dozen similar websites and received an overseas phone call to download the designated loan app.

"These numbers are scam calls. Remember not to download the software, don't believe in any commitment to pay first and then pay for the payment." During the reporter's unannounced visit to the fraud online loan app, the police issued a warning multiple times by phone, reminding reporters that they were deceived by being deceived. risk.

According to statistics from the Ministry of Public Security, more than 60%of fraud have been implemented through false mobile phone apps since 2021. Among them, fake online loan APP fraud is one of the main types.

Li Xiaobo, an associate professor at the School of Public Security of the People's Public Security University of China, introduced that in false online loan fraud, criminal suspects generally publish advertising information for loans through the Internet, telephone, SMS, etc. The personnel contacted the victims on the grounds that the handling fees, the annual interest rate, the deposit, the tax, and the agency fee, etc., deceived the victim to transfer money.

"Li Gui" APP iteration update, various channels drainage promotion

The reporter's investigation found that in recent years, fraud criminals have been upgraded and transformed into crimes, and online loan fraud apps played the side balls, iterated updates, and more deceptive.

——If up the name of well -known enterprises to deceive.

Scammers imitated platforms such as JD Finance, immediately finance, and 360 rendering to launch a large number of "Li Gui" APPs. They use similar signs and product introduction to induce netizens to download and download them with "small recovery" and other fraud. Ping An Bank has issued a statement that criminals use counterfeit APPs and websites for loan fraud.

Mr. Lin, who lives in Fuzhou, Fujian, has been deceived 4,000 yuan to frozen gold on the Yirenda Fortune APP developed by self -proclaimed "Youren Fortune Co., Ltd. Zhengzhou Branch". When he complained to "Patriotic Wealth", the company responded that his official staff would not charge fees in any name, and Mr. Lin encountered a fake online loan app fraud.

It is worth noting that at present, the Fraud Financial APP has changed frequently. The same gang often updates the replacement by replacing the name of the fraud app, domain names, etc., and some may be closed in just a few days.

——Invable review through the website packaging.

The reporter's investigation found that many victims downloaded the fraud -related financial apps based on the "Guidelines" were encapsulated by the black -gray production technicians as required by scammers. The so -called packaging is to pack the URL, application name, logo, and startup diagram to form an APP application package, so that the website is presented in the form of APP.

According to industry insiders, after being encapsulated by fraud loan websites, it turned into a fraud -related loan APP. The cost was extremely low and it was invincible. Earlier, a false loan fraud app called "Zhong'an" was encapsulated from a false loan website for a false loan website for overseas servers.

Chang Wen, deputy director of the Institute of Security of the China Institute of Xinong Institute, said that through the app packaging and distribution platform, developers can simply click on the operation to realize the APP automatic generation and rapid distribution. Application malls involving fraud apps are not available in the mobile phone system, and the scammers send installation packages or links to the victims to avoid application risk review and developer information registration system.

——Mu part of the drainage distribution in large quantities.

The drainage method of the false online loan app is not only the establishment of a false loan website to wait for the victim to hook, as well as the promotion through various channels such as telephone, SMS, WeChat groups, and QQ groups; Illegal purchase of information on loan personnel through the black and gray industry chain is accurate fraud.

The Shandong police introduced that scammers also drained through the promotion of courier promotion, issuing part -time advertisements in the "Baoma Group", and advertising.

Keep key links such as the production and communication of fraud apps

Since the beginning of this year, the police in Shandong, Jiangxi, Henan, Guangdong, and other places have strengthened the management of fraud on fake online loan APP.

In the first half of this year, the Shandong police cracked the case of online loan fraud rose by about 101%year -on -year. The relevant person in charge of the Shandong Provincial Public Security Department introduced: "For false loan fraud and other types of fraud involving apps, special operations such as the" Sweeping Card '' '' Promotion and other nests providing technical support for fraud gangs. "Liu Junhai, a professor at the School of Law School of Renmin University of China, said that for false online loan fraud, comprehensive governance of the three parties of communication, finance, and the Internet is still the key. The main responsibility.

Insiders believe that the production of false online loan APPs must focus on the participating small and micro technology companies and individuals. "These small micro -production companies are usually small workshops for building APPs. They think they are just doing technical modules and have the idea of ​​rubbing the ball."

For the promotion and drainage of false online loan apps, the industry recommends strengthening the supervision requirements of telecommunications operators, large Internet search platforms, and large social software companies, and effectively strengthen the financial qualification review of advertising customers and traffic buyers to prevent the spread of false information.

Relevant responsible comrades of the State Cyber ​​Information Office pointed out that scammers imitation investment platforms induce fraud netizens and cause netizens to suffer serious property losses, which may also cause personal information leakage and attract enough attention. The masses need to download APP through official formal channels; if an unofficial customer service is connected, pay attention to checking the identity of the other party, and do not perform transfer operations. Platforms such as APP stores should strengthen security reviews for downloading apps to prevent fake APP from touching fish and pits the majority of netizens.

Reporter: Wang Yang, Wu Jianfeng

Edit: Qin Jiao Feng

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