On June 14, the China Banking and Insurance Regulatory Commission issued the "Risk Warning on Preventing the Fraud of "Clearing and Returning Payments" under the name of the China Banking and Insurance Regulatory Commission. The "Reminder" reminds consumers to be alert to a series of fraudulent behaviors such as "official payment collection", "false investment and wealth management", "false online loan" and " bank direct deposit".
The "Reminder" stated that recently, illegal websites have been detected to counterfeit financial regulatory authorities such as the China Banking and Insurance Regulatory Commission. Fraud in the name of others.
The "Reminder" emphasizes that the China Banking and Insurance Regulatory Commission has never established or authorized the establishment of a so-called collection channel. Consumers, under the guise of regulatory authority, require banks to transfer, remit, and pay fees. Consumers can report the case to the public security organs, or report to the China Banking and Insurance Regulatory Commission and the local Banking and Insurance Regulatory Commission.
The "Reminder" also pointed out that consumers should be vigilant of being illegally obtained bank card passwords, SMS verification codes, identity information and other sensitive personal information; be careful about transfers, charges, and recharge requirements proposed by unknown persons to prevent serial fraud routines; Sources of "grass news" and "inside news" should improve prevention awareness and ability to identify.
This is the second time the official has issued a similar risk warning this year. On January 30, the China Banking and Insurance Regulatory Commission issued the "Risk Alert on Preventing Fraud in the Name of "Official Payment" on its official WeChat account, pointing out that some websites, WeChat groups, QQ groups, and social media accounts pretended to be the name of the China Banking and Insurance Regulatory Commission. The so-called official repayment channel lures P2P online lending institution lenders to pay deposit , in an attempt to defraud P2P online lending lenders, which has major hidden risks. The issuing department of the risk alert is the Office for the Special Rectification of Online Lending Risks, and it is emphasized in the alert that the China Banking and Insurance Regulatory Commission has not established or authorized the establishment of a P2P online lending institution's collection channel. P2P online lending lenders are requested to be more vigilant, enhance their awareness of risk prevention and identification capabilities, and confirm relevant payment channels with P2P online lending institutions or local rectification offices in a timely manner.
In recent years, Internet finance greatly reduced, and the number of P2P online lending institutions actually operating across the country has gradually dropped from about 5,000 at the peak to completely zero. Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, said in March this year that all P2P online lending institutions have ceased operations, and the outstanding loan balance has dropped to 490 billion yuan. In the past five years, a total of 25,000 cases of illegal fundraising have been investigated and dealt with. The resilience against external risk shocks has been further improved.
Although the P2P online loan business has been cleared, a large number of investors are still waiting for the platform to clear and redeem. Criminals try to defraud by taking advantage of the psychological characteristics of consumers who are eager to solve difficulties and recover losses. The "Reminder" emphasizes that, in addition to the "repayment" fraud against the lenders of P2P online lending institutions, consumers also need to be alert to "false investment and wealth management", "false online loans", "debt settlement", "agent surrender", and "white strip compensation" A series of fraudulent activities such as "direct bank deposit". Consumers should establish the concept of rational investment and rational lending, obtain financial services through institutions that have obtained financial business licenses in accordance with the law, and protect their legitimate rights and interests in accordance with the law. If you find clues about suspected violations or crimes, please report or report to the public security organs and relevant departments immediately.
