Online loan intermediaries are rampant, the black industry chain is intertwined, and the shadow is shrouded in the financial industry?
In recent years, online loan intermediary companies have sprung up everywhere. They serve people who need loans, but they also provide potential customers to banks. But behind this seemingly normal business relationship, a hidden black industry chain is booming, seriously threatening the security of the entire financial system.
The core of this black industry chain is those online loan intermediary companies. They work in a simple way, collecting personal information about loan needs through various channels, then sending a large number of promotional SMS, and finally introducing interested customers to the bank. It seems normal, but there are many hidden dangers in the middle link.
The question of the source of information. Online loan intermediaries collect personal information in a variety of ways, some from the dark web and others through criminals. The legality of this information is questionable and it is also suspected of violating personal privacy. Harassment of promotional text messages. Receiving a large number of sales pitches every day will make anyone feel disgusted. What's even more terrifying is that some text messages are suspected of fraud, which is easy to make some elderly people or people with a low level of education deceived.
Last but not least, the relationship between online loan intermediaries and banks is the relationship. It stands to reason that online loan intermediaries are just a middleman, but in fact their relationship with banks is far from simple. Some online loan intermediary companies are founded by insiders and have inextricable relationships with banks. Not only do they have access to the bank's internal information, but they can also directly manipulate the loan approval process, putting the entire lending business at significant risk.
What's more, some online lending intermediary companies collude with hacker gangs to directly attack banks' network systems, steal customer information and commit fraud. They hold a large amount of personal privacy in their hands, but they buy and sell this information wantonly, seriously infringing on the legitimate rights and interests of citizens. The victim wants to defend his rights, but finds that he has no way to start but passively accept the loss.
The existence of this black industry chain has cast a shadow on the entire financial industry. First and foremost, there is the issue of the bank's system security. Once hacked, the customer's private information will have nowhere to hide, which can cause financial loss or social unrest. What's more, collusion between bank insiders and hackers also occurs from time to time, which undoubtedly magnifies the risk infinitely.
Harassment by loan sales text messages is also a scourge. Every day when you are bombarded with sales messages, everyone will feel extremely irritable. What's even more terrifying is that some text messages have obvious suspicions of fraud, specifically targeting some elderly people or groups with a low level of education, luring them to take the bait. Once deceived, the consequences are unimaginable.
The existence of this black industry chain has also seriously damaged the reputation of the entire financial industry. The financial industry, which has long been seen as a rigorous and reliable industry, has become a disappointing hotbed of criminals. Once the scandal comes to light, the public's trust in the industry as a whole will be evaporated, and the business of financial institutions will be hit hard.
In view of the rampant black industry chain, the relevant departments must increase supervision and introduce more severe punishment measures. It is necessary to intensify the scrutiny of online loan intermediary companies, strictly control their qualifications, and crack down on violations of the rules once they are discovered. It is also necessary to intensify supervision over the bank's internal personnel, and once it is discovered that it is in collusion with the black industry chain, it is necessary to severely punish it.
It is necessary to improve relevant laws and regulations and plug regulatory loopholes. At present, although there are relevant laws that regulate the purchase and sale of personal privacy information, there are many loopholes at the specific operational level, leaving opportunities for criminals to take advantage of. The departments concerned should get a good grasp of formulating and promulgating more detailed and operable laws and regulations, so that lawbreakers have nowhere to hide.
Third, it is necessary to intensify the crackdown on hacker gangs. Hackers are not uncommon to attack banking systems, but many cases end up in vain due to the difficulty of securing evidence. Relevant departments should increase investment and improve network forensics capabilities so that hackers have nowhere to hide. It is also necessary to strengthen cooperation with other countries to cut off the financial chain of hacker gangs and completely eradicate this scourge.
Financial institutions themselves should also strengthen their awareness of risk prevention and improve the level of network security. It is necessary to conduct a comprehensive inspection of the system on a regular basis and repair vulnerabilities in a timely manner; It is necessary to strengthen the safety training of employees to prevent the occurrence of internal ghosts; It is necessary to strengthen the protection of customer information and ensure that privacy is not leaked. Only by working together can financial institutions and regulatory authorities truly sweep away this black industry chain and maintain the safety of the financial industry.