By " cover " the life that live
"Low interest, need not guaranty, fast loan " advertisement, on mobile Internet everywhere is seen; Too much thinking strode victim truly " loan " that one pace, from now on oneself life by a chain of cover a region " set " live. It is cheater after all too " brillant " , still be the public is short of guard against, is or to superintend gave flaw? Half moon talks about reporter survey to discover, increasingly rampant " cover a road to borrow " the game that having impossible to defend effectively making a person and dark net.
Cheat 10 thousand yuan, million of be covetous on
In March 2018, undergraduate Li Lili is not careful bang up the classmate's mobile phone, draw out money compensate gives a family. When needing money before, she is start to talk to parents, but this, him plan does Li Lili calm.
Those who give her hope is the net borrows platform. Li Lili downloaded to be called " rice borrows finance " App, this platform alleges need not mortgage, "Second loan " , suiting Li Lili purpose. But the price that Li Lili should pay is, borrow mobile phone address book platform to open to the net.
Write individual message when Li Lili and refer that momently, she returns anticipation to be less than this meeting to bring a what kind of nightmare to she and family.
Very quickly business personnel and she is contacted, in signed a mobile phone to rent contract and other after one pile sees the contract that does not know, li Lili borrows 3000 yuan successfully, but have 2100 yuan only in one's hand, the others is accrual 900 yuan, had deducted beforehand -- this is means of this kind of loan needs some " behead ceases " . Li Lili needs to return 3000 yuan of capital inside a week, exceed the time limit wants fee of pay exceed the time limit, everyday 300 yuan, namely 10% of capital.
Li Lili exceed the time limit. The tragedy that sends irremediable from this begin. Next in a year, the commonly used contact on Li Lili address book is complete " mad " . Her family, abandon friendly, teacher, include a shirttail cousin to because be overcome,be annoyed, change for many times telephone number. But urge the dark clouds that controls a company to be enveloped from beginning to end in their the top of head, every time they changed number newly, urge the telephone call that receive to be able to be hit immediately, continue to annoy.
In a year of time, li Lili's parents repaid for her 590 thousand yuan accrual and fine, but still owing rice to borrow finance unexpectedly many yuan 20. Feel Li Lili is not extracted give what profit, this gang is its put under " invalid client " , but this is not meant let off her. Li Lili's information is given another similar platform by resell, urge the telephone call with average life to continue tear at is worn Li Lili's world. When intervening to police, li Lili's parents has been her temporarily impulse paid many yuan 70.
"From by ' cover a region ' until report a case to the security authorities, she encountered all weak force are urged almost receive a measure. " Zhang Yi of 10 groups police officer says the detachment of gumshoe of Lanzhou city public security bureau that detect handles this case, "Cover a road to borrow " either brushstroke is cheated to collect a hand on victim body, however not plan sequential bleed white victim. "There is 10 thousand in your bag, cheater cheats leave it at that, it is common bilk; There is 10 thousand in your bag, cheater wants to cheat million even millions of, namely ' cover a road to borrow ' . Namely ' cover a road to borrow ' ..
Fishhook has agnail, swallow the bait difficult extricate oneself
"Cover a road to borrow " in the case, victim often consciousness was immersed in to oneself " cover a region " . More somebody thinks, in the world did not lend money the thing that still does not go up.
A day of 2018, phone of a complaint broke the life that sea of ex-serviceman the Kingdom of Wei calms originally. In former days the comrade-in-arms makes the telephone call, recounted oneself to lend platform borrow or lend money in a net by " set " after experience, the comrade-in-arms is faced Wei Dahai exhorts to must not be in repeatedly when calling up allege " without loan of guaranty, low interest, second " the net borrows platform to lend money. Wei Dahai feels to did not lend money the sense that still does not go up, said 3 words finally " see me " .
Look to prove a comrade-in-arms, wei Dahai used a mobile phone to download a net to borrow App in the evening that day, signed " blank contract " . The specified number that the individual information that the net borrows platform to be offerred according to him the following day gives 2000 yuan is spent and loan, loan time limit 7 days.
Reimbursement day in a twinkle arrives namely, wei Dahai has not prepared money really. Dun person readily " eldest brother " crying, recommend another net to borrow platform to him, saying is OK " borrow money to return money " .
Fine long hair of sea of the Kingdom of Wei was not aware he fell " cover a road to borrow " a the awfullest trap -- " turn Chan Ping Zhang " . The new network that dun person introduces borrows platform and its place " cover a road to borrow " the company is same gang open more, or have cooperative concern. Wei Dahai borrowed 5000 yuan in new platform, loan time limit also is a week.
Arrive again reimbursement day, wei Dahai prepares 5000 yuan, but the person that urge a fund disappeared, the phone cannot put through all the time. Do not ask to still do not go up to reimbursement account money, wei Dahai turns urgently all round. When the phone puts through, he already again exceed the time limit. The person that urge a fund tells Wei Dahai, oneself phone is expedite, the phone that is Wei Dahai gave an issue, because this wants in full charge of pair of exceed the time limit, otherwise he will be sued to the court.
such, wei Dahai is turning of Chan Ping Zhang " interlink is covered " in more get stuck or bogged down is deeper.
Because do not carry carry secretly a variety of ado threatening tremendous reimbursement pressure, wei Dahai is homeward the person is honest oneself impulse, family repaid for its " borrow " 210 thousand yuan below. Just, the Wei Dahai of good outer part is hidden the truth from to family signed up for brushstroke 8000 yuan " debt " . It is these 8000 yuan, let Wei Dahai again one is immersed in " cover a region " . Do not arrive one year in time, wei Dahai and domestic person accumulative total to each platform loan 326 thousand yuan, reimbursement 691 thousand yuan.
Knit with respect to cobweb, wait for pitiful creature only
Lanzhou city public security bureau leads the introduction, "Cover a road to borrow " crime had only 2017 fragmentary a few, the public security branch of many places does not have a form of this kind of crime to bring into blow line of sight. Be in 2018, "Cover a road to borrow " suddenly everywhere appear, number of case fall victim and experience record amount are inchoate only ten people, hundred thousands of yuan, often involve ten people nowadays, a few yuan. If wine spring police was uncovered one case in July 2018 " cover a road to borrow " case, experience record amount 400 million yuan, the suspect of experience case crime that outer province arrests comes with train carry back several railroad car.
What let a person shudder especially is, "Cover a region " not only trice the life of a lot of victims, return trice their brains. More than a victim that still does not have loan and interest turns and " sell oneself or a member of one's family still is borrowed " " help a villain do evil " , a of the person that become do harm to.
Li Lili is cheated the net of a Tianjin of case experience case borrows smooth Taichun, have a guilty suspect Wang Kun that is seized. Previous, family circumstances poor, parents leaves him of different, did homemaking to offer an university by the mother. To ease maternal pressure, wang Kun lent platform borrow or lend money from the net 2018 3000 yuan are used at paying the tuition fee, plan to be aided through be versed in frequently learn to pay off loan. Did not become want, these 3000 yuan rolled 90 thousand yuan in an instant, be head and shoulders above Wang Kun to repay ability.
But under, maternal try every means of Wang Kun helps son repay a debt, but still can go up only 50 thousand multivariate. It is what will remain " debt " cancel totally, below the go canvassing of loan platform clerk, wang Kun deals with suspend one's schooling, join this " cover a road to borrow " company " work " still borrow, was on guilty road from this.
Master as police " cover a road to borrow " gang condition is increasingly sufficient, everybody discovers, of this kind of gang " human affairs system " have heaven and earth greatly really. Not only be good at originally lend money object translate into " business backbone " , of efforts of industry of the part inside the gang " cobweb " also comparative develop.
They are hit to escape public security mechanism, can give the package outside business many urge control a company, if public security mechanism checks some to urge those who control a company to violate a fact, they sever as all as this company connection immediately, physics " cut off " , investigate to public security mechanism created quite big obstacle. Business antenna most the company that develop, the network is wrapped to be comprised by 24 companies outside, it may be said " 100 sufficient bug, dead and not deadlocked " . (place experience victim and guilty suspicion average per capita are alias)
Evil spirit is high already one a unit of length, path Gao Caiwu feet
What investigate as police is thorough, "Cover a road to borrow " harm sex more covert one side opens a mask to common people: Nowadays, numerous " cover a road to borrow " gang not only with " Internet enterprise " him camouflage, more the medium that invites the intelligence such as big data to change a technology to become help a villain do evil. Those who face technical content day to add is new " cover a region " , how to let broad masses still sigh with emotion no longer " evil spirit is high one a unit of length " , making effect spend strength to hold body of provided entire chain inspect concurrently is, should be the number one task that superintendency branch must handle seriously.
"Cover a region " " technical content " : App also separates AB side
Yuan Cheng Cheng is the staff member of store of chain of a coffee, the life originally insipid and quiet. A day of September 2018, she downloaded an App that makes food with the mobile phone, used clearance going to work to take aim a few times secretly, the style of a few dish that likes oneself is collected come down, after the plan comes off work, learn. Cannot think of, this App after returning the home however " change " , the content that makes food disappeared completely, those who replace is Man Bing " the net is borrowed " App link.
Yuan Cheng Cheng is a bit indescribable, immediately shut App, but of greet " second loan " " without guaranty " " still borrow easily " wait for model of written characters, it is all the time in her heart of brandish do not go. After a few days, yuan Cheng Cheng opened it again, the dot issued the key-press that application borrows money.
Yuan Cheng Cheng borrowed 4500 yuan only, but be in the following in 3 months time, be forced to be in ten " the net is borrowed " platform turns Chan Ping Zhang, early or late reimbursement 60 thousand multivariate, debt owes more more however. A day in, yuan Cheng Cheng can receive a few get on 100 to urge paragraph phone even, "Everyday one goggle, wanting how to can prepare bit of money to still go up, good boil today in the past " .
Be in flounder of Yuan Cheng Cheng individually " cover a road to borrow " platform turns while sheet makes the same score Zhang, in December 2018, the network Technical Division of Lanzhou police is stared at went up this App. Police discovery, this App holds a two sides concurrently, it is the App of functional common at the same time, it is at the same time " cover a road to borrow " the network that guilty gang develops borrows platform, police names it for " AB face " App.
Expand as investigation limits, police discovery, on platform of mobile phone application, this kind of App is not little still. "Cover a road to borrow " the gang was developed many " AB face " App, the A face of catchpenny on platform user is offerred do dish, travel, weather, read a kind of function, b face hides " cover a road to borrow " loan platform enters the mouth. When to let an user see A face, when switch arrives B face, control by tiring-room. An App often connective a few " cover a road to borrow " platform.
The App of never heard of before of a kind of police, pulled open " cover a road to borrow " should case those who investigate is prelusive, this is " 2 · 12 " case. As case backside guilty gang reveals original shape gradually, a series of provide quite " technical content " " cover a road to borrow " the method rises to surface, let person stare already, make a person thoughtful more.
"Cover a region " " intelligent degree " : Big data uses play tricks
"Tracking ' cover a road to borrow ' when, deep sense gets ' knowledge is money ' . " a policeman says Lanzhou police jokingly.
Participate in " cover a road to borrow " illegal element some has experience of work of large network company, abound from already check; Some individual character that had become network company popularize; to have a plenty of one's previous experience of personage of Internet finance major; Return some know well ripe modern business management... let them go, besides to sudden huge profits long for, still have each comfortable the risk of the Internet banking industry that discovers from inside course of study and flaw.
"Present ' cover a road to borrow ' platform more and more ' normal ' . " Wang Junfeng of deputy director general of Lanzhou city public security bureau says, the person that these companies there is no lack of to be stationed in high-grade office building, some was draped even " Internet enterprise " luxuriant appearance, needless to say interior to organize a framework to had comparatived close, division of labor orderlies, platform safeguards the everything needed is ready such as ministry, business department, financial department, law Wu ministry, before still introducing, back end risk is prevented accuse a mechanism. Of company limelight fill, arrived to attract unwitting place college to come round to create the situation of student exercitation base.
Wang Junfeng introduces, previously " cover a road to borrow " it is net type deceives people, go up in each nets platform is indiscriminate dispersed " low interest borrows money quickly without guaranty " information, await borrower to be contacted actively. They develop network application in great quantities now, and use went up big data analyses a technology, once the user downloads " swallow the bait " , use the user information that gets big data model tries to analyse, divisional its " can cheat value " , so that essence of life is accurate " cover a region " .
Group of detachment of detect of ability of Lanzhou city public security bureau grows Introduction Li Gang, "2 · 12 " especially big " cover a road to borrow " in case, of experience case " cover a road to borrow " the company is used " AB face " the individual information that App and other measure got 4.82 million person illegally, see A face to what person, see B face to what person, it is a basis victim information " mathematical calculation " reach. For instance, same " AB face " App, a face can see only after person of 3 areas of Beijing, Shanghai and Guangzhou downloads, because the person of these areas gets education degree is opposite taller, bunco is procurable and not easy; Also show A side to staff member of public security organs and its family member, because these people have relevant illegal action,discern ability, "Offend do not rise " ...
The expert is analysed " 2 · 12 " especially big " cover a road to borrow " discovery of case tiring-room data, a county of our country has 19 users, ever applied for loan more than 10 times on the App of this company, a minute of money also did not borrow. Police suspicion, this 19 people may be professional " Lu is borrowed " gang, special from " cover a road to borrow " borrow platform diddle loan with other net. "Cover a road to borrow " although the gang does not know the particular case of these people, but big data analysis can allow system of company loan examine and verify however them " close the door on " .
"Loan should accuse a system to examine through company wind first, we meet those who read the person that take borrow or lend money communicate record and address book, if have inside discovery,urge the phone that controls a company, did not borrow. " " 2 · 12 " the case basically commits a crime some says suspect Wang Mou, they still introduce person face to identify a system, come the Id information that borrower of test and verify provides is actual.
Gansu Province police uncovers " cover a road to borrow " the case shows, "Cover a road to borrow " after the company obtains the privacy information of borrower, can communicate according to the mobile phone the record is listed as close as borrower relation person rank. These data can upload tiring-room, urge after receiving a company to obtain authorization, can login examine, hit borrower with this decision the phone of which contact, perhaps adopt which kinds of means to urge close.
No matter what is borrowed, superintendency there is no shirking the responsibility
The room is borrowed, the car is borrowed... nowadays, all sorts of consumption loan already became the familiar to the ear in people life can the noun of detailed, drove young generation to form opener money to watch for the social crowd of main body, lead consumes demand to rise increasingly. Pass in doorsill of standard loan orgnaization " tall " below the circumstance, this one group lives with respect to what be orgnaization of illegal network loan offerred soil.
The problem still has the one side that is worth to think over more. Character of place of Cheng Gui of associate professor of college of finance and economics of Lanzhou of no less than, of much azimuth superintend be short of break,
Above all, the Internet finance that came on stage 2015 coachs the opinion is principle regulation network only leasehold business can be superintended by silver-colored inspect, and not clear network is leasehold the property of behavior, this makes a lot of new mutation of this behavior brings into industry of our country banking hard " a 3 meetings " superintendency system, this is to superintend lack the source that lose.
Next, be aimed at network credit, industrial and commercial, finance, network is superintended wait for a branch to enjoy different administrative power according to respective duty and attributive, however as a result of network credit secret gender and the high-tech character that its rely on platform, departmental door has administrative measure to often suit hard, more not easy implementation cooperates with between the branch, this causes illegal network credit to want to drape only new " waists-coat " , escape likely superintendency law eye.
Superintend be short of break, reflection gives the lag of relevant law laws and regulations and vacancy.
Associate professor of college of Lanzhou university economy wishs Introduction Wei, network finance regards finance as the child of innovation, product and the speed that serve get rid of the stale and bring forth the fresh make really the footstep too far behind to catch up with that legal laws and regulations publishs, "Time is wrong " exist from beginning to end; The lag of legal laws and regulations makes again superintendency branch often feels in real work duty authority is not clear, vacancy already appeared between hesitation; The network finance that our country publishs at present superintends code to be made by local government mostly, layer class low, specific aim is too specific, hard a variety of new lives that all leads need much branch to be superintended in coordination are complicated phenomenon.
More important is, long-term since our country about folk leasehold set with the law of network finance, scattered in distributinging to explain in files of a variety of administrative plan plasticity and judicatory, property is limitted much more insufficient and clear, lack necessary form a complete set to carry out detailed rules, operation sex is not strong, right rapid and accurate decide whether does loan just form illegal crime to have certain obstacle.
In interviewing, personnel of a few judicial departments tells half moon to talk about a reporter, till " cover a road to borrow " get online step region, volume bedding face is wide after waiting for a feature to be shown ceaselessly, the judicial department just realizes this is the illegal conduct with a kind of serious harm. In the past somebody borrows money on the net by " cover a region " when reporting a case to the security authorities, the judicial department of some places dare be not received case, because of loan contract all ready, fact is clear about, decide hard its crime property.
Police uncovers recently " cover a road to borrow " in the case, bilateral party bypasses loan platform, use gregarious agency to obtain communicate, implementation trades, avoid trades put on record wait for relevant obligation, the law superintends efficient way to be fulfilled harder.
In addition, what cannot ignore is, elephant of network finance chaos and Internet technology develop quickly reasonable superintendency strength is insufficient in the process, specific aim superintendency method matters much not more greatly. "2 · 12 " especially big " cover a road to borrow " in case, some ever explained guilty suspect Wang Mou, although examine and verify of application of mobile phone App is stricter than before a few years, but still put in flaw. For example malic market the one end that examine and verify faces terminal user, not examine and verify serves end. "So we thought of ' AB face ' design, in the service end made a switch, with A the face shows a person when examine and verify, once pass but switch becomes B area. Once pass but switch becomes B area..
Personnel suggests related supervisory management board of banking of place of the Gansu Province, make a standard and flexibility of businesslike, give attention to two or morethings and before the plan that the superintendency system of look up sex just is the effect a permanent cure that superintends network finance effectively. Network finance is superintended, want justice depending on realising this is process of processing of an entire chain, on one hand on perch rank the law should come on stage as soon as possible, build Zhang Li to make to be superintended inside countrywide limits; The manner that on the other hand departmental door should take on with having more, more conscious coordination, endeavor to respond to the new venture new difficult problem of network finance. Answer to give full cooperation through Internet enterprise and relevant section as soon as possible especially, the venture of illegal banking activity that builds effect to spend strength to have both is prevented accuse platform, eliminate act of illegal network banking in budding condition.
(average per capita of place experience fall victim is alias, article primary problem is " have a background " cover a road to borrow " trick and dark net " )
