In recent years, online lending has grown crazily, and many netizens are keen on the life of high consumption. However, behind the high consumption is the crazy looking for lending platforms, and constantly "support loans with loans"

Now, various loan advertisements of "low threshold, no mortgage, no guarantee, fast loan" are emerging in endlessly. With the simple operation of ID card, the cash withdrawal will be received immediately. Here, Tianyan Baobao Tea combs out a set of "knowledge protection" tips to guard against online loan fraud.

1、 Impersonating financial institution personnel

After obtaining citizens' personal information through illegal means, fraudsters will pretend to be "staff members of financial institutions" and call the victims as insiders. Money is cheated.

2、 High imitation online loan platform

The fraudsters fished by making fake online loans and APP, and planted trojans and viruses in the system background. When encountering these fake online loan platforms, not only can't borrow money, but also personal information will be stolen.

3、 Forged loan voucher

The fraudster forged false loan vouchers to gain the trust of the victim, and required the victim to pay various fees before withdrawing the loan from the platform for reasons such as "platform fees, deposits, audit fees, service fees, prepaid interest, unfreezing fees, and verification fees".

Then the question arises. If we borrow through the formal online loan platform, can we not repay when we have no money?

Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that if the interest rate agreed by the lender and the borrower does not exceed 24% of the annual interest rate, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

Article 31 stipulates that if there is no agreed interest but the borrower voluntarily pays, or voluntarily pays interest or liquidated damages in excess of the agreed interest rate, and does not harm the interests of the state, the collective and the third party, and the borrower demands the lender to return the interest on the ground of unjust enrichment, the people's court will not support it, except that the borrower requires the return of the interest in excess of 36% of the annual interest rate.

Tips for online law popularization of small tea:

Online loan should not be greedy for speed, and there will be no pie in the sky;

All procedures need to be advanced, and the bank needs to handle the insufficient procedures;

Don't fall into the online loan trap due to laziness and luck.

Guizhou Daily Contemporary Financial Media Reporter

Planning Tian Minjia

Wen Xu Fragrant Ruan Dan

Video: Ruan Dan, Xu Fenfang, Sun Yuanming

Dubbing Ruan Dan

Animation image Peng Qiyun

Editor in charge: Wang Shuai