Today's CCTV news network reported that Mr. A loan of 50,000, less than a year, rolled to the principal and interest to repay 5 million, it turned out that he encountered a "routine loan", let us see how he was routine. In order to repay the credit card, Mr. X found a small loan company, borrowed 50,000 yuan, and the small loan company let him sign a virtual contract with a loan amount of 110,000 yuan on the grounds that the mr. did not have flowing water, and then Mr. X got 110,000 yuan, of which 60,000 yuan, and returned it to the small loan company in cash. When it came to the repayment date, the small loan company asked for repayment of 110,000 yuan, because Mr. X could not prove that he only got 50,000 yuan, so he let the small loan company use the parents' real estate as collateral to lend 100,000 yuan, and Mr. X has not learned the lesson, or in the name of no flow, and the small loan company falsely signed a loan contract of 500,000 yuan, similarly, Mr. X only got 110,000 yuan. In this way, a certain mr. rolled around, and when he was asked to repay again, he had rolled to 5 million yuan with interest. At this time, Mr. A certain has felt defrauded, so he called the police, and the police arrested the fraud suspect, but he has repaid millions more to the small loan company, but it is difficult to recover and has suffered huge losses. This is where he encounters "routine loans".
The image content comes from the internet
Searching on the Internet, such cases have recently begun to increase gradually. The Shanghai Higher People's Court recently reported four typical cases of arbitrage loans. There is a fundamental difference between a loan shark and a loan shark in general: the borrower has no intention of getting the borrower to pay it back, and borrowing money is just an excuse for him to embezzle the property. Routine loans are generally faced with the middle class. The amount of losses caused to the victim is much higher than that of usury, etc., and the victim is faced with the characteristics of difficulty in safeguarding rights.
So what is the reason for this? After I asked senior bank personnel for advice, there are the following four reasons: First, the current network finance is overwhelming, making it difficult to distinguish between true and false; second, the people do not know enough about formal loan channels; third, banks do not publicize loans that can be provided through formal channels; fourth, people's legal awareness is not enough; so how can we prevent being routined? The first is to go to regular banks and qualified lending institutions to handle loans; the second is to improve legal awareness and pay attention to obtaining evidence when handling procedures; third, after discovering that they have been deceived, they must promptly report to the police to avoid greater losses.
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