What are the risks of stealing the mother's mobile Internet loan
4hw.com.cn: Recently, Ms. Ding in Hangzhou has been troubled by online loans. According to Ms. Ding, at the end of February, she accidentally found that her wechat wallet was more than 4000 yuan inexplicably. After checking, she found that the money was made by micro loans. In addition, her micro credit account applied for six loans a week ago, totaling more than 22000 yuan. After inquiry, I learned that my 12-year-old son had to see a message that he could buy iPhone x for 488 yuan on the Internet, so he secretly used her wechat account to make multiple loans on micro loans. Ms. Ding questioned that the audit of micro loan was not strict. In this regard, some netizens think that the current network loans are indeed easy to verify, basically a mobile phone can loan, and financial supervision is necessary to strengthen. With the development of information technology, is online loan reliable? What are the risks of online loans?
Risks of Online Loans:
1. Due to the virtual nature of online transactions, it is impossible to verify the credit status of both parties, and it is easy to generate fraud and default disputes.
2. Many of the information released by the network platform are loans issued in the name of loan companies and financing companies. In fact, only financial institutions approved by the state can engage in credit financing and other financial services. Those who engage in financial activities without authorization are often prosecuted for illegal fund-raising, illegal attraction of public deposits, and disruption of financial management order.
3. If the loan is issued on behalf of the network platform, the situation of fabricating loan information and illegal fund-raising may occur when the network platform is not self-discipline, or the internal control procedure is invalid, or is used by others.
Disadvantages of Online Loans:
1. Unable to rely on
Sometimes the interest rate of online lending is far higher than the prescribed interest rate. Once there is an economic dispute, the lender can't maintain this part of interest.
2. Yisheng Laolai
Due to the lack of bank's credit system, overdue repayment often occurs.
3. Crime space
Bad debts often appear in online lending, and some are even suspected of economic fraud. In addition, online lending is also easy to become a tool for illegal fund-raising.