"Dear customer, the 398,000 yuan that our bank can grant you will expire on March 15, and can be used for daily consumption, house decoration, business emergency, check interest rate back 1, application back 2, unsubscribe back to T."
"Official reminder: your eligibility to borrow will be adjusted on March 8, the estimated borrowing amount is 98,300 yuan, click form ********** activation, unsubscribe back to T."
Have you ever received spam marketing text messages like ones trying to "lure" a loan? This information is often sent in the name of a bank or online lender, without the consent of the consumer, which is very confusing. In addition, even if you have not done business at the appropriate bank or lending institution, you may receive spam messages.
Where do these spam messages come from?
Recently, the surging news (www.thepaper.cn) survey found that banks or online lending institutions will send marketing SMS through SMS group sending companies, these SMS group sending companies mostly claim to have a high success rate, delivered in seconds, and can monitor the sending and replying of SMS in real time. When it comes to financial marketing SMS, bulk SMS companies are more cautious, requiring relevant procedures, and saying that the company does not provide a sending number. However, some companies claim to provide number resources for owners, owners, bosses, etc. in designated areas.
According to senior industry insiders, some SMS group sending companies can still send financial text messages to customers according to the number segment, region, etc., and can also provide the label of the mobile phone owner, such as recently opening a certain software, "This has been suspected of privacy leakage and illegality." Another expert said that as long as the boundaries of user permission are exceeded, it is a garbage violation of short messages, but at present, some banks and online lending institutions are rubbing the edge ball, and basic operators are more difficult to dispose of, and it is recommended that relevant departments focus on supervising banks and online lending institutions.
In recent years, the official crackdown on spam text messages has been increasing. In August 2020, the Ministry of Industry and Information Technology of the People's Republic of China revised the Provisions on the Administration of Communication Short Message Services, forming the Provisions on the Administration of Communication Short Messages and Voice Call Services (Draft for Solicitation of Comments), and solicited opinions from the public. It stipulates that no organization or individual may send commercial sms messages or make commercial telephone calls to users without their consent or request. However, the regulation has not yet been formally introduced.
Financial spam is the hardest hit area for complaints, and banks have repeatedly made the list
Since March, the surging news reporter randomly asked 30 friends, of which 21 said that they had received spam financial text messages in the past month, the most nearly 30, mainly personal loans, online loans, and financial marketing text messages.
Among them, from February 9 to March 9, Mr. Li received 14 marketing text messages from SPDB, including "asset promotion and eggs, you can receive up to 12 consecutive months" and "CONSIGNMENT BOC Wealth Management - Huixiang Daily Gain Edition Wealth Management", mainly to encourage the increase of deposit limits and the promotion of wealth management products. After Mr. Li replied to TDDX's unsubscribe according to the SMS prompts, he received a reply with the message "You have successfully unsubscribed from our information SMS".
Mr. Li also received personal loan marketing text messages from China Construction Bank, China Merchants Bank and Agricultural Bank of China.
"I'm a migrant worker and I don't have any loan needs, so why would the bank send me a loan marketing text message?" Moreover, I don't have an Agricultural Bank card, how do they know my phone? Mr. Li was puzzled.
Unlike Mr. Li, Mr. Wu is a business owner with a loan at the bank. He not only received many bank personal loan marketing text messages, but also received online loan marketing text messages from foreign money pot loans and small win card loan Apps. He told The Paper that he had not registered or used the apps. These text messages contain links, open and enter your mobile phone number, click "Borrow", which will jump to the App download interface.
After the surging news downloaded and registered the foreign money pot loan App, in two days, in addition to receiving two marketing text messages from the company, it also received four telemarketing calls, allowing reporters to verify their identities as soon as possible so as not to miss the authorized quota. Although the reporter made it clear at the first time that there was no need for borrowing, the other party still insisted that "it is not used now, and it may be used later."
The surging news search found that there were many online complaints about foreign money tank borrowing, involving high interest rates, collection and so on.
Financial spam sms is one of the focuses of consumer complaints.
12321 Network Defect and Spam Information Report Acceptance Center released an inventory of spam complaints in the third quarter of 2021
According to the inventory of spam complaints in the first three quarters of 2021 released by the 12321 Network Bad and Spam Information Report Acceptance Center, the port spam SMS far exceeded the peer-to-peer spam SMS, accounting for 69.8%, 86% and 87.5% in the three quarters, respectively. In terms of spam SMS categories, loan wealth management accounted for 36.4%, 26.0% and 61.9% respectively.
In terms of the main port number segments of spam messages, the number of complaints in the first quarter of last year ranked in the top ten, including the Bank of China (third) and the China Construction Bank (eighth); the top ten in the second quarter, including the Bank of China (second) and the China Construction Bank (fourth); the top ten in the third quarter, including the China Construction Bank (eighth).
In the first quarter of last year, the financial management category had Ping An of China and Repayment, and the online lending category was Qianpai and 360 IOUs; in the second quarter, the loan financial management category had Repayment and Didi Finance, and the online lending category had Paipai Loan and Qianpai; in the third quarter, the loan financial management category had China Ping An and Huanbei, and the online lending category had Degree Xiaoman Finance and Paipai Loan.
Some SMS bulk messaging platforms are not fully qualified, and some claim that they can provide number resources
The reporter searched for "bulk SMS" through the Internet, and a large number of SMS group company advertisements appeared. The business of these companies includes verification code messages, notification SMS, marketing SMS, video SMS, etc., and the customers are involved in various industries.
For financial SMS, multiple companies quote between two and five and six points each, and the larger the sending volume, the lower the price. Without exception, they claim to be professionals, with a high success rate, delivery in seconds, and real-time monitoring of SMS sending and replying. Some companies claim to have their own SMS sending platform or software, after customer registration, login and recharge, they can send SMS, the company will review the content, but the customer sends to whom they do not care.
Nanchang Chuangsheng Network Technology Co., Ltd. (its platform is Wanshang Chaoxin) sales customer service said that the financial industry group SMS needs to provide enterprise business licenses, I hold a badge and ID card in the front desk of the enterprise to take photos. "There are many suspected scams in the financial industry, and formal bulk SMS platforms need to provide these."
The customer service provided the company's business license, value-added telecommunications business license and national copyright administration computer software copyright registration certificate. It emphasizes that personal loans only issue loan content, and the company does not provide a sending number. Online loan marketing SMS is not done because there is "no channel". The circle of friends of the customer service has a screenshot of the personal loan marketing SMS of Ping An Bank, Industrial and Commercial Bank, "Rural Commercial Bank" and China Construction Bank that claims to have been sent through the company's platform recently.
The official website of Anhui Seconds Didi Technology Information Technology Co., Ltd
The marketer of Anhui Second Di Information Technology Co., Ltd. said that the business license and business license are required to send personal loan marketing SMS, and the business license, financial license and contract are required to send online loan marketing SMS. The second tick message does not provide a sending number, "That is illegal. If a routine loan is reported, it will be unlucky. ”
The value-added telecommunications business license of Anhui Seconds Di Technology Information Technology Co., Ltd. could not be queried
The surging news reporter said that it did not inquire about the value-added telecommunications business license of the second did not know, and the marketer said that it was "being processed" and "this has no impact." According to the official website, the company has been established for ten years.
Anhui Second Didi Technology Information Technology Co., Ltd. sales customer service introduction to send SMS restrictions
The marketer said that in terms of personal loans, mobile, telecom and Unicom numbers will block some areas. Telecom numbers are blocked in the most areas. "The area of blocking is subject to change depending on the operator."
Regarding this, the network marketing company Wuhan Chaotian Technology Co., Ltd. said on its official website that the complaint rate of financial SMS has always been relatively high. If the complaint rate reaches a certain upper limit in a certain place, operators and SMS platforms will take regional restriction measures. This is also the main reason why loan SMS bulk content is not only strictly censored, but also has many areas that cannot be sent. This issue cannot be solved, but you can consult the customer service staff before sending a group text message to reasonably circumvent the restrictions. "Strict adherence to the operator's SMS sending specifications. Arrange the time and frequency of sending reasonably. ”
Zhengzhou Xunge Technology Co., Ltd. has a value-added telecommunications business license. The company's salesman said that if a personal loan TEXT message is sent, the phone numbers of the owner, car owner, boss and provident fund lender in the designated area can be provided.
A senior industry insider said that some bulk SMS companies have no qualifications, but are actually agents of qualified companies. Although the management is becoming more and more stringent, some bulk SMS companies can still send financial SMS to customers according to the number segment, region, etc. Even, you can provide a homeowner label, such as recently opened a software. The more tabs you choose, the more expensive it is to send text messages, "which has been suspected of privacy leaks and violations." ”
How to deal with spam financial SMS?
The Paper noted that as early as 2015, the Ministry of Industry and Information Technology issued the "Regulations on the Administration of Communication Short Message Services", which was officially implemented on June 30 of that year.
With regard to the management of commercial short messages, the regulations point out that short message service providers and short message content providers shall not send commercial short messages to users without their consent or request. Where the user explicitly refuses to receive commercial SMS messages after consent, it shall stop sending them.
In August 2020, the Ministry of Industry and Information Technology of the People's Republic of China revised the Provisions on the Administration of Communication Short Message Services, forming the Provisions on the Administration of Communication Short Messages and Voice Call Services (Draft for Solicitation of Comments), and solicited opinions from the public.
The Draft for Comments requires that no organization or individual may send commercial SMS messages or make commercial phone calls to users without their consent or request, or if users explicitly refuse. If the user does not explicitly agree, it shall be deemed to be rejected. Where the user explicitly refuses to accept it after consent, it shall be stopped. Where a short message service provider sends a port-type commercial text message, it shall ensure that the user concerned has agreed or requested to receive it, and retain the user's consent credentials for at least five months. Where short message service providers send port-type commercial short messages, they shall clearly indicate in the short messages the name and contact number of the organization or individual sending short messages through their services, provide convenient and effective methods of refusing to receive them, and inform users with the short messages, and must not set obstacles to users' refusal to receive them in any form.
The Draft for Comments also stipulates that basic telecommunications business operators shall establish mechanisms such as early warning monitoring and big data research and judgment, and prevent commercial short messages sent or commercial telephone calls without the consent or request of users through measures such as contractual agreements and technical means.
At present, the new regulations have not yet been officially introduced.
"Spam financial text messaging is still relatively common." Fu Liang, a telecom analyst, pointed out that the commercial short messages in the Draft for Comments include financial marketing text messages.
For the governance of spam SMS, Fu Liang analyzed that according to the principle of who implements who punishes, illegal commercial short messages should be punished by the industrial and information technology department, however, advertising is under the control of the market supervision department. In addition, illegal commercial short messages often cross regions, and it may be difficult for information senders, merchants, and SMS recipients to be in different places, and it is difficult to enforce the law. Coupled with the small harm, the amount of punishment is not large. The combination of various factors makes governance more difficult.
"Compared with personal loans, some online loans seem to have a small amount of borrowing, but the interest rate is very high, and the bad debt rate is generally not high, so many online platforms are now engaged in online loans." Some people who know that they are violating the law will still take risks. Fu Liang said.
In Fu Liang's view, the amount of bank financial spam SMS is relatively large, but the harm is relatively small. If it is a financial text message sent by some unqualified small company, it is not audited, and the harm is relatively large, because it may be a scam.
"As long as you exceed the boundaries that the other party has not allowed, it is a spam violation sms message." At present, banks and online lending institutions are rubbing the edge ball, in this case, it is more difficult for basic operators to dispose of it. Emphasis should be placed on regulating the source and beneficiary, that is, banks and online lending institutions. Fu Liang said.