Chapter 578 Loan fraud

When Lei Zi explained the matter to Xiao Peng in detail, Xiao Peng was only shocked, if it turned out that things were indeed as Lei Zi guessed, then Xiao Peng also began to admire Wu Jie and that Lu He.

These people really think of ways to make money!

Now there are so many so-called 'cash loans' and 'campus loans' and the like, in fact, the essence is usury, look at how many college girls have borrowed those usury for the sake of temporary economic tension, borrowing thousands to repay tens of thousands or even hundreds of thousands.

The funniest thing is that in order to borrow, it is all kinds of fruit photos, and if you don't pay it back, the fruit photos will fly all over the sky。。。。。。

Many people are angry when they mention loan sharks, but they don't know that there are still so many people who specifically target these 'online loan companies', you must know that there is data sharing between banks, which is mandatory by the central bank, but the online loan industry can't do it, some online loan platforms call for what 'industry self-discipline' to share the 'blacklist', but they are all thunder and rain, for these companies, the 'blacklist' data is their core competitiveness, how can it be shared with other companies?

Moreover, the online loan is simple, and you only need to fill in the information on the Internet to lend. This is also related to the profit model of online loan companies.

Many online loan companies do not rely on loan interest to make a profit at all. It's about getting a beautiful user data and giving them the confidence of the investors behind it. In order to obtain a higher valuation for future financing. During the New Year's holidays, many online loan platforms can lower the loan threshold, and it is precisely because of this.

This also gives a lot of criminals who cheat on loans an opportunity to take advantage of.

These people's loan fraud methods can be called a 'cultivation game'!

The first thing they will do is get a complete set of information, that is, ID card, bank card and phone number. These things are not difficult to obtain, such as lost ID cards, which are sold on the Internet, and there are also lost in any train station Internet cafΓ©.

After buying the ID card, go to apply for a bank card and mobile phone card, and after these three things are done, you will complete the first step!

Next, the real 'cultivation game' begins: use the bank card and mobile phone card to start binding WeChat, Alipay, Taobao and other software, and start to identify virtual characters according to the age and gender of the ID card. For example, what is the identity of the owner, the female saleswoman who works at the jewelry counter in the shopping mall, etc.

Then according to the identity of this woman, she began to plump up the character image, for example, the WeChat circle of friends will publish content suitable for her identity, and will transfer a fixed amount of money to these bank cards every month, which is called fixed flow. Many online lending platforms want to look at this. As for some online loan platforms, it depends on the positioning of borrowers?

Even in order to increase the success rate of borrowing, many people will use some special tools to fake credit card bills, because having a credit card is an important plus for borrowers!

As for the so-called reading of borrowers' text messages, it is better to solve the problem. A few cards can call each other once a day. These cards are 'innocent', not old people who have a history of fraudulent loans.

Some online lending platforms will call the company to confirm the identity of the borrower. It's hard to get a credit scammer, and these people with virtual identities are usually working in big companies and big brands. The phone numbers left are the switchboard phones of what company. The authenticity of such information is still high, and it is difficult to verify the authenticity of the lender.

Or simply fill in a company that can't find the phone number online, install a landline phone by yourself, and replace the company phone number with this landline phone number. That's all it takes.

To put it bluntly, this is a war between loan sharks and loan fraudsters, and those who make loan sharks must bear the risk of loan fraud, and those who cheat loans must bear the responsibility after being caught. None of these two can say who is moral, in the final analysis, it is black eating black.

No wonder Leizi is so excited, in a small county like them, the security is really good. Cases like today's belong to the answer: the theft case with an alleged amount of millions (this is a conservative estimate, who made Xiao Peng's family have too many valuable things) plus an economic case suspected of loan fraud, this is a great achievement!

Lei Zi called the leader to report the situation here and said to Xiao Peng: "Boss Xiao, I have already reported your situation here to my superiors, and the superiors have instructed that this case will be handled quickly and strictly, you can rest assured!"

"Don't be Boss Xiao's call. Just call me Xiao Peng, you said that I will live in your jurisdiction, and I may cause you a lot of trouble in the future. Xiao Peng said with a smile: "You said that this hot day made you work so hard, so I will invite you to dinner." ”

Lei Zi's head was like a rattle: "Boss Xiao, just have this intention, don't hurt me." Now we are a vulnerable group, and we have to be careful in every move. ”

Xiao Peng was stunned for a moment and smiled: "Yes, yes, yes, blame me for not being thoughtful, in this way, I will contact the pennant maker now." ”

What Lei Zi said is not alarmist, now the police are a vulnerable group like doctors. Of course, provided that you don't sin.

In recent years, it seems that when it comes to civil servants, especially the police, no matter what big thing is, they will stand up and scold them. And the special profession of the police causes them to show their butts much more than when they show their faces:

'YOU'VE SOLVED A SERIOUS CASE?' ISN'T THAT WHAT YOU SHOULD DO? YOU VIOLENTLY ENFORCE THE LAW AND TORTURE TO EXTRACT CONFESSIONS? COME ON! EVERYONE SCOLDS TOGETHER!' ANYWAY, MANY PEOPLE ARE LIKE THIS, THEY SCOLD THESE PUBLIC SERVANTS WHEN THEY ARE IDLE, BUT THEY STILL WANT TO BE CIVIL SERVANTS WITH THEIR HEADS SHARPENED.

Many people think that they have reached the pinnacle of their lives when they become civil servants, but please, it's not 30 years ago. What do you say? What do you mean by corruption? Compared with the huge contingent of civil servants, how corrupt officials really are? Especially now that the state is vigorously punishing corruption and bribery, who dares to face the limelight?

Now as a civil servant, to some extent, it is called a miserable.

Do you want to make money? The "Civil Servants Law" clearly stipulates that no civil servant is allowed to engage in or participate in profit-making activities or concurrently hold positions in enterprises or other profit-making organizations! Even stock speculation must be done on the sly, and civil servants in some positions are not allowed to speculate in stocks at all, and even those who can speculate in stocks are strictly prohibited from speculating in stocks during work.

When do civil servants go to work? Is there any difference between this and the prohibition of stock speculation? It doesn't matter if you secretly speculate in stocks, and if you are caught, you will be unlucky! In particular, those who use their positions to obtain inside information to trade stocks are directly illegal!

And being a police officer is even more pitiful, if you want to go to entertainment venues, you have to report to the Commission for Discipline Inspection and supervision, and you can't go into the box when you go to the bathing center to take a bath, even if you really need any cupping massage, you must do it in the business hall.

If you are discovered, you will be in bad luck.

It was found that half of the year-end plan assessment was deducted once, and it was found that it was deducted twice and all of it was found that it was found that it was found that it was found that it was found that it was not qualified in the civil service assessment!

Who let the police, like the national football team, the Spring Festival Gala, and the chengguan, belong to the target of the masses' attention? Any little thing will be infinitely magnified.

To be honest, being a policeman seems to be very prestigious, and wearing a uniform is more spiritual, but only they know the suffering.

Nowadays, even if a criminal suspect is arrested for a heinous crime, some people will focus on whether the police are 'civilized law enforcement', not to mention those scoundrels, who shout 'police-beating-people' and the like before they have anything to do.

This is still for criminals, treating legal citizens, the police are even weaker------ as long as they don't break the law, then they look at the police more confident. Any police station has ever pointed at the police and trained the police like a grandson because they were not satisfied with the police service, so the police could not ------ people without breaking the law.

But if something really goes wrong with these people, the first thing that comes to mind is to find the police, and 'scolding the mother' is such a person. So, in a sense, it's really true that the police are a vulnerable group.

Saying that they have a lot of power, 'having trouble finding the police', people now call 110 for big things, but it's really right to say that they are vulnerable, they live under a magnifying glass at all times, and they have to be careful in everything they do.

This is why many people, after receiving help from the police, beat gongs and drums to send pennants in order to express their gratitude. It's not that they don't want to send something else, but it's really that they are sending someone away to the police, which is to make trouble for them.

"By the way, Boss Xiao, that Wu Jie still has a cousin with you?" asked Lei Zi.

Xiao Peng slapped his forehead and forgot Zheng Linlin cleanly: "Lei Zi, you guys investigate and collect evidence here first, and I'll go see Zheng Linlin." ”

In several workers' rooms, Zheng Linlin was in the last room, and when Xiao Peng pushed the door open, Zheng Linlin was painting the scenery outside the window. Hearing the sound of the door opening, Zheng Linlin turned around and saw that it was Xiao Peng who came in, but she was not surprised, there was such a big movement outside, and she said that she didn't know that it was.

"Brother Peng, are you back?" Zheng Linlin put down the paintbrush in her hand, adjusted the direction of the wheelchair, and faced Xiao Peng head-on.

Xiao Peng frowned: "Why don't you turn on the air conditioner?" This worker's house is also the same as Xiao Peng's Gothic villa, made of stone, although it is quite spacious, but on such a hot day, people are still quite guilty here.

Zheng Linlin shook her head: "Brother Peng, it's okay, now in this situation, what are you wasting that electricity bill for?"

Xiao Peng was speechless. Think about when I first met Wu Jie and Zheng Linlin, Zheng Linlin was an ignorant child, while Wu Jie was a mature and stable woman. And after experiencing so many changes, Zheng Linlin stabilized, but Wu Jie did such a thing, which was really a creation to make people.

The saying 'see people's hearts over time' is really not wrong. Uh, this 'day' is a noun, not a verb!

"Brother Peng, this card is the salary you gave me during this time, I didn't spend it, and now I will give it back to you, you don't have to drive me away, and I don't have the face to stay with you. But I want you to promise me one thing. Zheng Linlin looked at Xiao Peng without speaking, took out a bank card from his pocket and wanted to hand it to Xiao Peng.

"What?" Xiao Peng still sighed in his heart, and subconsciously asked when he heard Zheng Linlin's words.

Zheng Linlin said: "Let me finish painting this painting for you, I still owe you a painting." I know I'm not at a high level, but now this painting is definitely the highest level I'm at this stage. ”

Xiao Peng glanced at the painting quality, it was a landscape painting outside the window, and it could be seen that Zheng Linlin's painting skills had improved compared to the original. After suffering an amputation, it seems that she really calmed down to study painting.

Xiao Peng shook his head: "No, Zheng Linlin, I don't want this painting!"

Zheng Linlin's face was gloomy after hearing this: "Okay, Brother Peng, I know that my sister did such a thing to make you sad." I'm going to pack up and leave. ”

Xiao Peng's eyes kicked down: "Who let you leave? You still owe me a painting! I don't want a painting of this level! You have to take out a painting that satisfies me!"

Zheng Linlin was stunned: "Brother Peng, don't you drive me away?"

"Why did I drive you away? You are you, and your sister is your sister. Besides, if I drive you away, who will paint for me? But your progress is a bit slow, so let's see if I can find you a teacher in a few days. But don't have high expectations, I don't know any great painters. But my friend knows a fake painter called Wolfgang Bertreich, listen to him brag quite awesomely, see if you can let him guide you. Xiao Peng said lightly.

"You mean Mr. Wolfgang-Bertledge of Germain?" Zheng Linlin's eyes widened.

Xiao Peng nodded: "It should be him, but it's not certain whether this thing can be done, that guy is painting me now, I don't know what to paint." ”

Zheng Linlin, who had been very calm since Xiao Peng entered the house, suddenly cried: "Brother Peng, I apologize to you for my sister, you are so good to us, but she treats you like this." I really don't know what to say. ”

Xiao Peng shrugged: "I just said, you are you, and your sister is your sister." Xiao Peng sighed in his heart, Zheng Linlin is really a poor girl, her parents died in a short period of time and she was disabled, and such an arrogant girl has become like this now, sure enough, life is the most changeable.

Zheng Linlin suddenly gritted her teeth and said, "Brother Peng, I beg you for one thing, you must promise me!"

Xiao Peng was stunned: "What's the matter?" you say. ”

Zheng Linlin said: "I know that my sister will definitely not be able to escape the punishment of the law this time, but you must promise me not to let go of that Lu He!

After listening to Zheng Linlin's narration, Xiao Peng realized that it was true that Lu He was the culprit.

At that time, there were many gold worshippers near Xiao Peng's house, and they all set their goals on Xiao Peng, hoping to hug Xiao Peng's big thick legs, and it was not only women who thought so, but also men. Lu He is one of them. Of course, his target is not Xiao Peng, but Wu Jie.

This Lu He is also a master of picking up girls, and he really got Wu Jie in his hands, and he was fascinated by Wu Jie, which was what to say and what to listen to, so something like this happened later。。。。。。

Whether it's calling her stupid or innocent, many women in love have negative IQs. This so-called 'love' ruined her.

Just as Xiao Peng sighed, there was a sudden commotion outside the door, and the sound of quarrels and dogs barking was chaotic.

What's going on here?