New routines for non -performing loan agencies are exposed, supervision reveals "AB loan", and the conspiracy such as "AB loan" and induced customers' signing agreement

"Zero threshold", "high quota, low interest loan", "free processing" and other non -performing loan intermediary fancy marketing behaviors have emerged endlessly, "routines" are full, there are problems such as false publicity, incomplete interests, inexplicable charges or loans. With the continuous changes in the economic environment, technology applications, and banking business, the routines of bad intermediaries are also full of tricks, which disrupt the market financial order and seriously infringe on the legitimate rights and interests of financial consumers.

On September 14, the Fujian Banking Insurance Regulatory Bureau issued the "Risk Tips on Preventing a New Routine of Never Loan Intermediaries", which revealed the new routine marketing behavior of non -performing loan agencies on the market.

Performance 1: Purdy, camouflage the identity of the bank personnel, aiming at the small and micro customer group to induce handling bank online loans

Bad loan agencies aim at the small and micro customer group, obtain a list of small and micro customers through illegal channels, and use the current state to support the relevant policies of small and micro enterprises as a cover. Customers urgently use the mentality of money and want low interest to implement targeted marketing. Usually disguised as a bank staff, in the process of marketing that it can apply for low -interest and high -quota loans for customers for free, or to create a credit quota that can be obtained by a P / P & C -chart, etc. Essence

In the process of handling the loan, bad intermediaries are professional, acting in videos, holding bank mobile clients with customer mobile phone, entry information, identity verification, loan information confirmation, bank lending intelligent voice notification and other links. After the operation, after the business is handled, the intermediaries are about to delete the mobile clients and short interests of the loan bank involved, causing customers to know nothing about loan -related information.

Performance 2: Moving flowers and woods, adopting the "AB loan" trick to collect credit funds for the lack of qualified customers

In the process of loan processing, if some marketing customer conditions do not meet the qualifications of bank loan, bad intermediaries are trying to pack the customer's loan information, and even "AB" loan, that is, the customer A's own qualifications are not eligible and cannot pass the bank loan approval. Screenshots of the forged bank loan approval process Inform customers that due to the high risk coefficients, the guarantor needs to be added, and strongly persuaded the customer A to find a better qualification customer B to guarantee it. In actual loan processing Loan, but using Customer B's identity information to apply for a loan. The borrower is essentially B, but the loan funds are used by Customer A. Customer B is not known as a borrower instead of the guarantor until it is collected by the bank. Pointing out is the approval issue of the bank and incite the conflict between customers and banks, which can easily cause contradictions and disputes.

Performance three: Hold the sky and cross the sea, induce customers to sign the deduction agreement, and automatically deduct high "intermediary expenses"

During the loan processing process, bad intermediaries often induce customers to sign the "Intermediary Service Agreement" and "Deduction Agreement" without the customer's knowledge. After the loan is issued Wait high "intermediary costs".

When inducing customers to sign the deduction agreement, the intermediary's usual speech is as follows: First, deceive the customer's funds is the "loan interest difference" drawn by the bank in advance; the other is to lie to the customer that the funds deducted from the funds are "repayment performance deposit ", Deceive the customer's normal repayment for several issues; the third is to lie to the customer that the interest of the pre -charging this pen is charged. It is not necessary to return the loan after a few months of repayment.

In addition to collecting customer funds through the withdrawal agreement, some bad intermediaries will request customers to transfer some loan funds to the designated account after the so -called helping customers "do flowing water" and manufacture production and operation status. When the refund was refunded, the bad intermediary took out the "Inter -Service Agreement" and "Deduction Agreement" signed by the customer without knowing it, claiming that the funds had been transferred to the service fee directly and could not be refunded. Customers often do nothing for help and accept it helplessly.

The Fujian Banking Insurance Bureau pointed out that the above behavior seriously infringed on the legitimate rights and interests of financial consumers, reminding consumers to raise awareness of risk prevention, obtain credit services from regular financial institutions and regular channels, and avoid unnecessary risks.

1. Be wary of over -debt risk

The cost of borrowing and loan should establish a responsible awareness of borrowing and quantify. The owner of the small and micro enterprises should be moderate liabilities according to the actual situation of their own enterprises. If the debt is improper, the expiration cannot be repaid will affect the reputation of the company. For small and micro enterprises that already have difficulty in operating, they should be optimized through negotiation or debt restructuring, and enhance operating efficiency, rather than further improving operating pressure by improving liabilities.

2. Choose regular loan channels

If there is a need for credit services, it shall apply for loans from the banking financial institution through regular channels. Before the business processing, we should consult professionals in regular financial institutions to prevent criminal fraud violations and be alert to marketing customers of illegal agencies. If there are questions about financial business, you can consult the relevant banking financial institutions through official channels. For unfamiliar call sales of "low interest rates" and "loan quotas have been approved" loan business and other behaviors, we should maintain vigilance, do not trust, prevent being deceived and damaged by funds.

3. Improve awareness of personal information security protection

Improve the awareness of protecting your own legitimate rights and interests, focus on protecting personal privacy, properly keep important identity information, and pay attention to keeping information such as personal documents, account passwords, and verification codes.In the process of handling the business, it is eliminated for "agency operations" for external personnel to avoid being fraudulent by external personnel.Fourth, take important links such as signing and authorization cautiously

In the process of handling business, the signing of legal documents such as contracts and authorizations should be carefully treated, and the relevant contract terms and authorization scope should be read carefully.

The Fujian Banking Insurance Regulatory Bureau prompts that if the legal rights and interests of financial consumers are illegal infringement by non -performing loan agencies or discovered clues of suspected illegal crimes, it is recommended to report the case to the public security organs as soon as possible.

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