Zhang Xiushui said indifferently: "I definitely won't regret it!" ”

Of course, he wouldn't go back, because he knew that Mo Xie would definitely not do anything with him. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

"Qian Youming, how did you kid buy Zhang Laosan, he can even give charity?" Mo Xie's face was stinky.

"We want to set up an emergency fund to help those who have the ability to repay and need urgent help." Wu Fengyu said.

"Then let's say it well, do you have to use bitter meat and beauty tricks?" Mo Xie said with annoyance.

"We know that you kid has money, but we don't want you to pay!" Zhang Xiushui said lightly.

"So you want me to help?" Mo Xie looked at Zhang Xiushui, a little helpless, how much he trusted him!

At this time, Mo Xie's gaze at Zhang Xiushui became very strange, not that Mo Xie had become crooked, but that he felt that Zhang Xiushui's performance was a little strange recently!

"Now that you've figured it out, let's do it! Anyway, I don't like those loan sharks! Mo Xie directly took out his notebook and began to search for some lending networks on the Internet.

In fact, there is no need to look for it, on the Internet, there are lending websites in almost that corner, it seems that these people are all eating the marrow, and they are all trying to deceive some two fools!

"Just leave these trivial things to us!" Dink directly threw Mo Ye a USB drive.

I opened it and took a look, some of the data on it is very interesting, and there are even some bank accounts!

P2P online lending, also known as online lending, refers to direct lending between individuals through Internet platforms.

The number of online lending platforms has grown rapidly in China in the past two years, with about 350 active platforms so far, and the total number of them has reached 5,000 or 6,000 so far.

Zhang Xiushui's target is naturally illegal online loan companies, such as fraud, coercion and other means or taking advantage of the danger of others, so that the other party can form loans against their true intentions, as well as illegal fundraising, and so on.

Of course, there are many problems with these companies, and these people are mainly engaged in the honorable profession of scammers, such as loan fraud.

It was also because he knew that many Internet companies were engaged in professional loan fraud, and Qian Youming encountered this kind of problem again, which made Chen Xingwen, Zhang Xiushui, Ding Ke and others indignant, ready to treat others in the way of others.

Just after watching it for a while, Mo Xie knew that Dink and Wang Haiming had made a move, otherwise they wouldn't have gotten so much information.

The information in this is too detailed, and after reading this, Mo Ye is really a little dumbfounded.

There are too many scammers on these networks, and they are too rampant, and what is even more unbelievable is that it is a very simple deception, but some people believe it, and they will let these scammers succeed again and again.

People who use online loans to cheat money, at least use some capital, they lure people to borrow money, and the two sides are also willing to fight, one is willing to suffer, you love me, half pushed, half pushed.

However, there are still some bottomless people on the Internet, they are naked liars, and of course, there are some hackers involved.

Among the information provided by Dink, most of those bank accounts are bank accounts held by scammers, although there is not a penny in the account now, but as long as these accounts are traced and their money is found, it is still no problem.

The threshold for online lending is too low, and the laws and regulations are not standardized, so many online lending companies are involved in illegal fundraising and usury.

However, there is a problem involved in this, there is no problem with fraudulent loans, but they can't solve the problems of fund transfer, tracking, and laundering, and this must be done with Mo Xie's help.

This is also the purpose of Dink, after all, although they know some hacking skills, they are still intimidated by the bank's firewall.

It's not how powerful the bank's network firewall is, but how many security personnel they have, and as long as they are targeted, they often can't escape.

If it weren't for the bank's network management, just an online bank, it would make people crazy.

"These accounts are the point!" Seeing that Mo Xie was satisfied, Wang Haiming pointed to a few accounts.

"It's all some guys who cheat on loans, as long as they make a move, they will often be ruthless!" Dink Road.

"We have been tracking for a long time, and even used the company's masters, but their funds are in the bank, so ......," Zhang Chen said helplessly.

"Loan fraud?" Mo Xie took a look and found that these people really know how to play, especially the advertisement of helping people get debit cards online, this is a phishing advertisement.

It turned out that Mo Xie saw an advertisement for a bank card with a credit limit of 30,000 or 50,000 yuan, and because he didn't believe it, he never clicked on it, but now when he saw the information provided by Dink, he found out that this kind of fishing advertisement was played like this.

The fraudulent loan business on the Internet has formed a complete industrial chain, and this black industry is mainly concentrated in four parts: identity fraud; Acting as an agent for application; loopholes in franchise lending rules; Use high technology to break through credit scrutiny.

If one day you suddenly receive a court summons saying that you owe tens of millions of dollars in loans and get into a lawsuit, what is your first reaction?

Daddy, right? Because you've never applied for a loan, let alone owe money?

But it's not impossible for this to happen if your identity is fraudulent, but how do these people get a loan?

Generally speaking, in addition to the purpose and amount of the loan, there are two types of information required to apply for a credit loan, one is to prove that "you are you": including name, ID card information, and contact information.

The second type is to prove that "you have the ability to repay", including bank statements, income certificates, other statements and so on.

If you have this information and have not been blacklisted before, the next payment rate will be relatively high!

So how do you get this information?

The first is personal real-name information, which is obtained from certain institutions (such as Bank Y, Insurance Company B, Business D, etc.), and on the other hand, it uses online phishing websites or Trojan viruses to collect user information and then sell it in bulk.

These "information dealers" usually wander on certain forums, or join online QQ, such as "private detectives", "information resources", etc., you say you need information in the forum or group, and there will generally be people chatting with you privately, so that a buying and selling market is formed.

Bank statements can also be made through intermediaries, because general credit officers can only be proficient in identifying their own bank flows, and it is relatively difficult to review the flow of other banks, plus some banks have performance pressure, so as long as there is no big problem with the paper and official seal, the flow can be passed.

Of course, the proof of income is better to do, someone will use the online income certificate to modify it with retouching software to pass the review.

All kinds of information are easier to obtain, and almost all the information needed for fraud can be bought online, and real-name information is 2 yuan per copy; Bank statement 300 yuan per copy; 100-300 copies of income certificate; Apply for a fake ID card for 100 yuan, which can be seen!

Then there is the intermediary agency application, which is actually to ask for user information, apply on behalf of the user, and then divide it according to the amount of the loan.

For example, we are more common credit card agents, there are generally three types of this kind of black industry, the first is pure money fraud, which generally claims to have a relationship with the inside, first cheat your "deposit" in hand, and then disappear.

And the scammers also have a fixed place of business, rent an office in a building in a good location, and when you hand over the information to them, they will first tell you that it will take time, and drag it until they think that "enough fraud" is enough, and then they will return the office and disappear overnight.

Because this kind of incident has happened to students, so Mo Xie is no stranger, generally scammers will say that they are internal employees of a certain bank, and they can get a large credit card through a special relationship, but they need to charge a certain handling fee, such as a few percent of the processing amount, and pay a deposit first.

Some people were skeptical at first, because the deposit was relatively small, and in a few days, someone came to do a background check and made it look decent.

After some small talk, the background check was passed, and then the other party said that a credit check was needed, that is, a transfer to a certain account, with the purpose of making the bank's flow "beautiful" in order to apply for a large credit card.

At this time, he will let you transfer 5000, and in the end the more "simple" person, just think about it for a while, and eventually turn it!

Note that at this time, if the other party is a small scammer, he should flash after getting the money, but some scammers are more powerful, and he will transfer the money back to you.

At this time, many people often believe that the other party is indeed "reliable", and then the other party said to transfer 30,000, at this time, of course, continue to transfer, and then, and then there is a wooden one......

Therefore, you must be careful when a stranger asks you to transfer money, no matter what the other party's reason is.

In order to deceive the information, these people will collect your ID card, work certificate and other personal information, and then apply for a card from the bank you did not choose, and the address and phone number are their own.

After waiting for the approval of the card, the card limit is swiped, and then it evaporates from the world, or a large amount of personal information is collected and sold to a third party.

The third type is the black intermediary, although they do not deceive your information, they can forge some information to help applicants who do not meet the standards pass the review, so as to make a profit.

If you get the card, although it may be able to be used normally for a period of time, as long as the problem is found when the bank reviews it, you can stop your card at any time on the grounds of providing false information, once it happens, this kind of bad record will lead to at least 5 years of no bank credit card, mortgage, car loan.

Therefore, the online agency for large credit cards and the like, are greasy, this line of attention is to do familiar not raw, if there is no acquaintance to help do, it is best not to easily believe in the online intermediary all kinds of rhetoric.