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厦门警方提醒:警惕“低息借贷”骗局

2017-04-26 17:03:11   新华网

新华社厦门4月26日新媒体专电(记者 颜之宏 彭培根)厦门市民小苏是个体经营户,近期因急需周转资金,便想求助于网贷公司。4月11日,小苏在网上搜索“贷款”后在某网站留下手机号。

4月12日,小苏接到自称是“北京宜信普诚信用管理有限公司”的电话,对方称能提供十万元的短期贷款,并煞有介事地通过邮箱传来一份无抵押贷款合同。

在取得小苏的信任后,对方即声称要支付10%的保证金,确保小苏有还款能力,已经对对方深信不疑的小苏很快汇去了10000元保证金。在这之后,对方又先后以做流水账、缴交风险担保金为由诱骗小苏转钱,一心想快点拿到贷款的小苏就这样一次次向对方指定账户转账。

直到4月16日9时许,小苏再次拨打对方电话询问贷款办理进度时,发现对方电话关机这才醒悟过来报警。据小苏回忆,其前后被骗共计50000元。

厦门市反诈骗中心统计数据显示,2017年3月24日至4月23日期间,厦门警方共接获贷款类诈骗警情51起,涉案总金额达47.7万,最大单笔为6.12万元。案件数同比上升50%,环比上个周期上升41.67%。

据厦门市反诈骗中心相关工作人员介绍,此类案件多涉及“低息贷款”“无抵押贷款”等字眼,且男性受骗上当比例远高于女性。在上述时间范围内,受骗男性占比72.55%,女性占比27.45%。从年龄上看,20-29岁年龄段成此类被诈骗的高发群体,有60.78%的报案人属于该年龄范围。

此外,由于移动支付渠道的普及和ATM机转账的“24小时延迟到账”规则设置,此类电信诈骗的转账方式中,通过支付宝转账至银行卡位居“榜首”,其次则是微信转账和现金存款等方式。

厦门警方提醒:第一,警惕网上“不要担保、无需抵押”等包含敏感字眼的信息,此类骗局中的贷款几乎不设立任何贷款条件,无抵押无担保,且利率极低。

第二,通常情况下,正规的贷款机构在成功放款前是不会收取任何费用的。如果在网上申请贷款,对方要求先付手续费的话,一般都是骗局。

第三,与其他贷款机构相比,银行的贷款利率通常是最低的,但即使是银行的小额无抵押贷款,利率也会在8%左右。如果在网上申请“3万至10万元的小额贷款,利率仅为1%”,基本可以认定是骗局。

第四,抵押贷款需要抵押物,无抵押贷款也是需要稳定的工作、工资流水、良好的个人信用才能成功申请,完全不存在只用一张身份证就可以获得贷款的情况。如果申请网上小额贷款时,对方说凭身份证即可获得贷款,千万不要上当。

第五,虽说网上贷款可以在网上提交申请资料,但是最后一般都会选择面签合同,所以对方说“无需见面,传真合同”即是骗局,千万别中了圈套。

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