Students' pockets are often not generous enough, consumer loans in recent years have also looked at this market, and constantly push small consumer loans to college students and newly graduated groups through their own software, which has led to the emergence of some "new scams", Alipay is also frequently on the hot search, and some people who are worried about their funds being defrauded have begun to transfer, which is actually not necessary. Before explaining, let's first review what really happened.
▲Flowers
A "new scam" appears
It is understood that after the emergence of small consumer loans such as "Huabei", because of the influx of a large number of students, more and more similar enterprises and application software have appeared in the market, resulting in a lot of "bad debts" and even "violent collection", the government in order to solve this problem, introduced a lot of policies, including especially the prohibition of unauthorized enterprises or institutions to issue small loans to college students, the allowed amount has been continuously reduced. Therefore, various scams that help college students "get rid of" the student identity can borrow money have emerged, and Alipay has also been on the hot search.
▲Alipay
Beware of scam methods
In the face of this situation, in addition to hoping that the government will come forward to improve laws and regulations, individuals must also improve their awareness of fraud prevention, which is the fundamental solution to the problem. For college students, the most important thing is not to believe in "lift restrictions", "interest-free loans" and other very tempting-sounding words, there is no free lunch in the world.
The second is to whether to spend money as a dividing line, because for a formal enterprise, a lot of procedural things are necessarily free, and the requirements are quite strict, and there are few cases where there will be telephone contact and then finalize things, so if the individual cannot determine the identity of the other party and the other party does not remind the other party in the application, any "cancel, change Alipay student account" and other statements, should not be believed, 100% is a scam.
Depositors began to transfer funds
Because of the emergence of policies and the emergence of scams, many people have shown distrust of Alipay on the hot search, believing that it is not safe to put funds in it, and the amount of funds transferred by depositors is also getting larger, this phenomenon objectively exists, but many of these worries in the front are actually unnecessary.
In China's existing payment system, the bank is always the one who stands at the end, whether it is Alipay or WeChat, or other payment methods, depositors' money is actually transferred from the bank to the seller, the bank is also the most important regulator behind it, the payment software will not and basically do not have many ways to "manipulate" user funds.
Users can be safer in this way
If the depositor is really not at ease with the balance treasure, etc., in fact, there are two ways to make their funds safer.
The first is to take the money out of the balance treasure and put it in the bank card. As long as the "pen and pen saving" and other functions are turned off, when using Alipay to pay, the funds will not stay in the software, and it will not be able to be cheated away because of various scams, and users can rest assured.
▲Bank APP
The second and more radical approach. No longer use Alipay, the current digital yuan is slowly spreading, banks are also promoting their own payment software, depositors if they do not trust Alipay, you can completely take these banks' own software, in the case of merchants continue to standardize, for daily use is believed not to cause too much difficulty.
Finally, the safety of Alipay is actually very reassuring, comparatively speaking, it is more important that individuals themselves should be responsible for their own property, through learning various knowledge, to avoid being cheated by the "scam" away from the money is the most important.