He Yichang didn't care about Han Chaoyang's actions at all, and asked coldly: "Where are you on the 17th of this month?"

"No. 17 is in Qingfeng Mountain. Jiang Huaiyu felt a little strange, thought about it and said: "I went on the afternoon of the 15th and came back on the evening of the 18th, and I played for a total of three days." ”

"Who did you go with and how?"

"I went with Zhang Xin, a self-driving trip. ”

It shouldn't be a lie like this, the 7.17 case really has nothing to do with him.

He Yichang glanced back, Han Chaoyang reacted suddenly, and quietly went to another office to ask his girlfriend. Zhang Xin also realized at this moment that she was unladylike, realized that she had fallen in love with a liar, and was crying to Chen Jie with rain.

Han Chaoyang asked a few words, confirming that she did travel with Jiang Huaiyu in the Qingfeng Mountain Scenic Area from the 15th to the 18th of this month, asked which hotel they were staying in at the time, and returned to the community police office and nodded slightly with Team He.

He Yichang was somewhat disappointed, worried that the suspect would notice something, so he continued to ask about the details of the loan fraud while the iron was hot.

"The first step is to get a complete set of information," Jiang Huaiyu peeked at Grandpa Gu again, and said nervously: "That is, the 'package' of ID card + bank card + mobile phone number, as long as you want to buy these, you can buy them online, the cheap one thousand three four, the expensive two thousand." I'm worried that those ID cards have been used, and I'm worried that there is a problem with those ID cards, and I generally don't buy them online. ”

"If you don't buy it online, where can you buy it?"

"There are many sources, sometimes go to the countryside or train stations to collect, 200 yuan a piece, some people who need money urgently will sell, and there are also lost, lost in Internet cafes, bought from the network management. I have a bit of a relationship with the operator and the bank, and I can use the ID card I received to apply for a card. Some difficult banks will find someone who looks a little like to apply for a card with an ID card. ”

"And then?" He Yichang asked.

"ID card, real-name bank card, real-name mobile phone number, these are the three elements of identifying a person on the Internet, and with these, you can confuse the real with the fake. But if you want to borrow more, it's not enough, it's like pinching a clay doll, so that it has a nose, eyes, and even a soul. ”

"Be specific!"

"It is to buy a few cheap smartphones, a mobile phone with a mobile phone card, and install Tao-Bao, Zhi-Fu-Bao, and WeChat. Set an identity for each mobile phone, for example, Yang Lili is a post-90s generation, working in a shopping mall, with a monthly income of 6,000, and will often take selfies in the circle ......of friends;

Jiang Huaiyu took a deep breath and continued: "To package these materials, you have to be careful and polished, and you have to enter the role like acting." After packaging, it is generally necessary to maintain an identity for a few months before starting to operate. It's like playing a development game, slowly injecting personality and traits into the game characters, and finally clearing the level. ”

"Where do the characters you pack work, doesn't the online lending platform review them?"

"Generally, if they don't review, they just look at the address book, anyway, if a character needs a job, I will fill in some large factories, and then fill in a factory host number that needs to be transferred. If the person in the packaging works in the mall, go to a counter and fill in the phone number of the mall or the switchboard of the counter in China. The authenticity of the information is high, and the actual audit is also difficult, which is true in jargon but difficult to verify. ”

"It's that simple?" He Yichang stared at him and knocked on the table again.

"There are also difficulties, some online loan platforms will call back for a call, and when they encounter this, they will fill in a company that can't find the phone number online, install a landline, and replace the company phone number with my landline number. In addition to the work unit and phone number, some online loan platforms require proof of employment and a photo of the work badge. These are simple, you can PS yourself, you can also buy from the Internet, the work certificate is only 20-30 yuan a piece, and the badge is only 50 yuan a piece. ”

I've seen loan fraud, but I've never seen such a professional!

He Yichang was just as eye-opening, thinking about it and asking: "It's not that simple, some online loan platforms need phone positioning, and some need bank statements, how can you do it when you encounter this?"

"The positioning is simple, compared with the positioning in the countryside, the passing rate of positioning in the big city is generally higher, there is a special software for changing the positioning on the Internet, what is it called a simulator, you can modify the positioning at will; you need to prove that there is a fixed salary, there is half a year of bank flow, I will transfer a sum of money to these bank cards every month, forming a fixed flow. ”

……

What a talent, but it's a pity that he didn't use it on the right path!

A common trick used by lending platforms is to ask for the borrower's address book and text messages.

The main purpose is to look in the address book to see if there are people on the "blacklist" - such as proven loan fraudsters or cheaters. From the text message, it is to find clues about borrowing from multiple platforms: such as the verification code of other lending platforms and overdue collection information.

If these are present, then the borrower is "high-risk".

Therefore, this kid carefully packs the address book before borrowing, and will not use the ID card of a black account or a laid-back person at all, and will delete all "unclean" call records; considering that the credit card can generally be approved by the bank, it is an important plus for the borrower. He even adopted a countermeasure strategy and used some special "gadgets" to forge credit card bills, any bank, any limit, and any spending records!

He is most interested in the newly opened "online lending outlets", and in his words, "generally newly established platforms have lax risk control".

For one identity, after borrowing 20 to 30 platforms, the payment rate will be lower and lower.

Because many platforms will enter the central bank system to inquire about credit when borrowing, and this query action is also recorded in the credit system. This means that the more you borrow, the worse the record becomes, and in their jargon, the credit is "rotten".

Therefore, a set of forged identities generally borrows about 200,000 yuan, and he discards the mobile phone card, permanently shuts down the mobile phone or even throws it away - the so-called "He Lili" and "Li Qiang" evaporate from the world.

Using a set of credit cards, and then playing mutual loans, is simply a "dimensionality reduction attack".

It's like a monster fighting game, when you get an invincible strategy, it's equivalent to turning on the cheat mode, all the way unblocked, and defeating the boss. In the industrial chain of Internet lending, people like them are a fierce and savage attacking force, conquering cities and conquering places with ease—even if they are found to be fraudulent loans, at most one of their numbers will be blocked, and they will fight again in another place without any loss.

After asking some about Qiao Xianhong's family, and confirming that he was not familiar with Qiao Xianhong and his wife like other tenants, He Yichang called to report to the leader of the task force, and waited for about half an hour, and the police of the Economic Investigation Brigade arrived, took over the case, and took him and his girlfriend to their rented place to search and collect evidence.

It can't be said that he is busy in vain, in fact, he has gained a lot, not only cracking a loan fraud case involving more than 3 million yuan, but also being able to crack down on those illegal and criminal elements suspected of loan fraud that he knows, but there is still no progress in the 7.17 case.

Sending away the people from the Economic Investigation Brigade, Han Chaoyang couldn't help asking: "Team He, since loan fraud is so rampant, why don't those online loan platforms form an alliance with banks and share the fraud data of each family, so that if one suffers a loss, it will not be extended to other families?"

He Yichang lit a cigarette and explained as he walked: "Data sharing between banks is mandatory by the central bank, and there is no similar policy in the mutual fund industry for the time being. Some platforms have also called for 'industry self-discipline' and shared 'blacklists', but they are all thunderous and rainy. For them, 'blacklisted' data is their core competency, so why should they share it with others.

On the other hand, flies don't bite seamless eggs, and many platforms have lost themselves in this feast of mutual money. In the past, there was a bank credit card risk control, and there was even an interview or even a field investigation at the workplace. Nowadays, Internet finance can lend money as long as you fill in the information online. The two dimensions of risk control are very different. The bad debt rate of banks is rising every year, not to mention the mutual finance platform. ”

Gu Guoli was also very curious about this new type of crime, which was not a new type, and asked puzzledly: "Those platforms know that the risk is very high, why do they lower their review standards?"

"For the sake of impulse, Sergeant Gu, you think they make money by collecting interest, no! Now these companies are not running well, and they are just thinking about making money. Get a beautiful user data and give investors an explanation, and you can have a higher valuation in the next round of financing. Every major festival such as the Spring Festival, National Day, and Mid-Autumn Festival, many platforms have impulse tasks and deliberately lower the threshold for risk control. ”

He Yichang flicked the cigarette ash and sighed lightly: "This is a war between usury and loan fraud, it depends on whether the loan shark can bear the risk of loan fraud, and it depends on whether the loan fraud is afraid of the collection of loan sharks, high returns bring high risks, no one is more moral than anyone else, and this is the best era for them." ”

The words are not rough, this "black eats black" is too appropriate.

Thinking of those indiscriminate social personnel who often go to the Polytechnic University to collect loans, Han Chaoyang felt that there were too few kids who had just been taken away, and if there were many, those unscrupulous online loan companies would not be able to survive at all. Thinking of the unlucky people who were impersonated in the end, I felt that there could not be many such people, there should be no one, otherwise there would be a large number of people who would be unlucky because their identities were fraudulently used.

Just as he was thinking about it, Team He's mobile phone rang.

"yes, that's great, yes, I'll be right over!"

"Team He, what's the situation, do you want us to help?" Gu Guoli asked subconsciously.

He Yichang put down his mobile phone, looked at Grandpa Gu, and then at Han Chaoyang, and said excitedly: "The serious crime team has made a major discovery, and it is really the authorities who are obsessed with bystanders, Chaoyang, you kid has made meritorious service again!"

"What merit, what bystander clear?"

"There's no time to explain or reveal the facts of the case, so you'll just wait and see. ”

He Yichang said to go, got into the car and took out a police light, buckled it to the roof, sounded the siren and left in a hurry, until the car gradually disappeared from sight, Gu Guoli looked back at the apprentice with a smile and asked, "Chaoyang, what did you say to Team He?"

Han Chaoyang was confused and muttered, "I haven't said anything, I don't know anything." ”