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芝麻信用刷分,坑人更害己

2017-08-09 07:12:41   中国经济网

近日,在淘宝、咸鱼等公共平台,一些商家明码标价可以为购买者的芝麻信用刷分,记者体验后发现,刷分需要提供个人的姓名、电话、身份证号码,或者店家利用验证码登录支付宝做相关操作,无须提供支付宝支付密码,但需要关闭支付宝刷脸登录功能。经过“改头换面”,一些人通过花呗、借呗等服务套现,或者凭借芝麻信用的高分在其他网贷平台上获得贷款。如何杜绝刷分行为?

北京网友燕赵故地:芝麻信用刷分行为为何屡禁不止?

主持人:目前许多商家及金融机构都把芝麻信用作为个人信用的判断依据,信用高的人可以从商家或金融机构获取更多优惠以及便利。例如,可以获得更高的贷款额度和更低的贷款利率等,因此产生了很多刷分需求。但由于芝麻信用评分的高低对应着不同利率成本或授信额度,与非银行融资渠道相比,存在套利空间。同时,受制于线上信息不对称,平台方只能从技术角度最大程度限制刷分,但不能完全消除。

山西网友平遥大汉:可以从哪些方面着手应对刷分等网络诈骗?

主持人:当前一些互联网企业已经采取措施。例如,蚂蚁花呗布下了三道防火墙:基于海量数据的智能风控大脑、反欺诈决策引擎以及合作伙伴的联防联控机制,将绝大多数的疑似诈骗交易拦截在事前。不过,目前该防火墙机制仍处于推广应用阶段,相信未来会有更多的技术脱颖而出。

同时,芝麻信用等征信机构应加大核查力度,通过与房产、车辆等管理部门和其他各社会单位的信息共享来严格信用评分体系,尤其关注骤然升分和相同途径提分的现象。

此外,网信办、公安系统、消费者协会等有关机构和电商平台等企业应相互配合,扩大信息共享范围,畅通共享途径,共同打造信用社会。

浙江网友临安寻梦:对于心存侥幸想通过芝麻信用刷分的人来说,有怎样的建议?

主持人:若其明知无法偿还相应数额的借款、贷款,甚至抱着提现后据为己有的想法铤而走险,最终结果一定是刷信未果,还会被追究刑事责任。消费者还应当保持理性消费的态度,不要为了追求面子或者一时享受做出超过自己还款能力的高额消费举动;拒绝不法商家的诱惑,保护个人信息,通过正当手段、守信交易来提高自己的信用。

(本期主持人 崔国强)

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