Network telecommunication fraud is coming back again. According to the statistical data released recently by Beijing Sunshine consumption big data research institute, from January 1 to June 30, 2020, a total of 368205 public opinion information about online loan fraud was monitored by the whole network. Among them, negative public opinion accounts for nearly 80% of the total public opinion. < / P > < p > these negative public opinion information mainly concentrated in six aspects: the “cancellation of campus loan” fraud, “Shanzhai platform” fraud, “online loan swiping” fraud, “swiping bank flow” fraud, “eliminating bad records” fraud, and two-dimensional code fraud. Among them, the most negative public opinion information about the “cancellation of campus loan” scam. < p > < p > in recent years, the state has made more and more efforts to crack down on fraud, and the rampant network Telecom fraud has been effectively curbed. But this year’s novel coronavirus pneumonia has led to a rise in net loan fraud, and its fraud and criminal means are constantly updated. < / P > < p > in the data disclosed by Beijing Sunshine consumption big data research institute, from January 1 to June 30, 2020, a total of 368205 public opinion information about online loan fraud was detected in the whole network. Among them, 12538 were positive information, accounting for 3.41%; 67359 were neutral information, accounting for 18.29%; and 288308 were negative information, accounting for 78.3%. < / P > < p > among the 288308 negative public opinion information of online loan fraud, 92672 were related to “cancellation of campus loan”, accounting for 32.14%; 78735 were “Shanzhai platform”, accounting for 27.31%; 41036 were “online loan swiping”, accounting for 14.23%; 26015 were “swiping Bank flow”, accounting for 9.02%; 21403 were “eliminating bad records”, accounting for 7.42%; and 2-dimensional code fraud was 11769 There were 16 678 items of other negative information, accounting for 5.78%. < / P > < p > “in these new types of online loan fraud, criminals no longer only focus on the old people’s pension savings, but also take college students or young people who have just joined the work as targets. After cheating these young people’s loans, they are under pressure to repay the loans.” Xu Guangjian, a professor at the school of public administration at Renmin University of China, said. < p > < p > especially the “cancellation of campus loan” scam is “tailor-made” for young people. The above public opinion data shows that the “cancellation of campus loan” scheme has the most negative public opinion information. This kind of scam mainly refers to the illegal elements through the accurate grasp of the victim’s information, taking the victim’s campus loan record will affect personal credit investigation as an excuse, after causing the victim’s panic, under the pretext of canceling the campus loan record, inducing the victim to make loans on many online loan platforms and deposit the money into the so-called “security account number” and then “disappear”. Since this year, there have been a number of fraud cases of “cancellation of campus loans” in China. The victims are mainly college students or young people who have just graduated from school to work. According to the “analysis report on Telecom fraud of cancelling online loan accounts in the first half of 2020” released by relevant institutions, the number of fraud cases of cancelling online loan accounts in the first half of 2020 increased by 178% month on month in April. Among them, 63% of the victims had not registered an online loan account before. Ms. Liu is the victim of this kind of fraud. On July 1 this year, Ms. Liu went to Zhongshan branch of the Bank of China to handle business. During this period, Ms. Liu had been talking with a man in the business hall while operating his mobile phone. The call lasted for more than an hour, which attracted the attention of bank staff. When the bank staff learned what business to handle from her, Ms. Liu said that someone had falsely used her information and opened an account on the Internet to make a loan. In order to destroy the loan record, it is necessary to borrow on the platform and transfer money to the staff of the lending platform. After being reminded by the bank staff, Ms. Liu realized that she had been cheated and immediately called the police. Ms. Liu said that the illegal elements first accurately reported her graduation school, major and other personal information, and then said that she had a campus loan account number on the 360 loan. When Ms. Liu expressed doubts, the illegal elements said that it might be that Ms. Liu’s identity information had been falsely used and had been registered by others. If it is not cancelled, the personal credit investigation will be affected. The lawless elements also send Ms. Liu’s work permit and relevant information of Ms. Liu’s credit investigation through the QQ mode of Ms. Liu, so as to gain Ms. Liu’s trust. Under the guidance of the lawless elements, Mrs Liu downloaded the net loan software in accordance with the request of the other party and borrowed money. Finally, she borrowed nearly 130 thousand yuan from the millet loan, Alipay flower and 360 loan, and transferred the loan to the lawless elements. < / P > < p > in the first half of this year, the “Shanzhai platform” fraud ranked second. This kind of fraud mainly refers to the illegal elements through the construction of a false loan platform to induce consumers to download the app and apply for loans through publicity such as “second audit”, “easy to pass”, “low interest and high quota”. When the victim completes the information filling and quota approval process in the app, the criminals use the reasons such as wrong bank card number, credit problems, overdue records, and too frequent applications Make trouble, inform the victim that the account is frozen and unable to make payment, and ask the victim to pay “unfreezing fee” and “deposit”. < p > < p > in June this year, Mr. Cai needed capital turnover because he was engaged in decoration business. When he was worried that he could not raise money, he received a link message saying that he could make a loan in “micro goods”. Mr. Cai learned that “micro loan” is a regular Internet bank loan product of micro banks, which also has a bank license and is a regular financial lending institution. After consulting customer service, the other side said that as long as you fill in personal information, you can get the loan. At first, Mr. Cai was a little suspicious, but he thought it was a regular institution. He still clicked on the link and downloaded an app called “micro finance”, and then registered for real name authentication. The system shows that he has a loan limit of 40000 yuan. However, when Mr. Cai intends to withdraw 40000 yuan to the bank card, the system will prompt that there is a digit error in the card number and the account has been frozen. Mr. Cai immediately contacted the financial “customer service”. “Customer service” said that you need to pay 30% of the loan amount as a running account before you can unfreeze the account. According to the requirements of the “customer service” personnel, Mr. Cai transferred 12000 yuan of “unfreezing fund” to the other party’s account through his own bank account number. When Mr. Cai continues to withdraw cash, the system will remind him of the error again. Mr. Cai suddenly realized that he had been cheated. Instead of borrowing money, he lost 12000 yuan. < p > < p > according to the police investigation, the loan platform Mr. Cai met is a counterfeit software, which plagiarizes the micro loan from the name to the icon, counterfeits the micro loan, falsely lends, collects the deposit, unfreezes the fund and so on. At present, the case is under investigation. < / P > < p > the more common scam is “online loan swiping”. In the first half of this year, the negative public opinion information of online loan fraud was ranked third. This kind of scam mainly refers to the illegal elements who take advantage of the victim’s psychology of part-time job to make money, falsely claims to find the victim to engage in the “online loan brush” business, and only needs the victim’s identity to conduct online loan. The principal and interest generated from this will be repaid by the other party, and the victim’s certain percentage will be paid to induce the victim to register on the online loan platform and apply for a loan. When the loan application came down, the illegal elements took the loan as their own and lost the connection immediately. The victim is not only unable to earn money, but also needs to repay the principal and interest of the loan. Chen Xuhui, data director of Beijing Sunshine consumption big data research institute, said that through the summary and analysis of public opinion data information, we can find that online loan fraud has the following characteristics: < / P > < p > diversified fraud techniques. For example, illegal elements let consumers register false online lending platforms, and make victims pay various fees to defraud on the pretext of filling in wrong information, freeing account number, proving repayment ability, etc. < / P > < p > the target of fraud is extensive. In the past, the victims of fraud were mainly the elderly with relatively closed access to information, but the victims of online loan fraud were very extensive, including not only school students, but also office workers with higher education and social experience. < p > < p > crime space virtualization. Different from traditional fraud, the whole operation of online loan fraud is completed in virtual space. Criminals and victims do not meet directly, but communicate through chat software, e-mail, telephone, etc. It will be more difficult to destroy the illegal evidence immediately after being removed from the Internet. < p > < p > organized criminal gangs. With the increasing efforts to deal with network telecommunication fraud, criminal gangs have gradually become collectivized. The division of labor of criminal groups is generally clear, and the corresponding reward and punishment mechanism has been set up. In addition, in order to hide people’s eyes, criminal groups will package themselves as regular operating companies. Chen Yinjiang, Deputy Secretary General of China Consumer Protection Law Research Association, suggested: first, we should strengthen the crackdown and punishment. The current law regards network telecommunication fraud as a general crime of fraud, and sentencing criminals according to the actual amount of illegal income, which lacks the pertinence of cracking down on network telecommunication fraud. In this regard, only by improving the corresponding laws and regulations and increasing the punishment of network Telecom fraud can we effectively reduce the occurrence of fraud. The second is to strengthen the protection of personal information. The public should enhance their awareness of self-protection, and relevant departments and enterprises should work together to standardize from the aspects of laws and policies, supervision and industry self-discipline, so as to reduce the occurrence of information leakage incidents. The third is to strengthen the responsibility and obligation of operators. Telecom operators should not only strictly handle real name cards, strictly examine the identity of users, but also strengthen the control of sales in the market. In view of the common problems such as phishing links and false advertisements on the Internet, the network platform should do its duty of censorship to block the spread of false information at the source. The fourth is to enhance personal awareness of prevention. Due to the confusion of online information and numerous online lending platforms, the public must carefully screen and select formal institutions to handle business when applying for loans. In the process of loan application, we should carefully check the terms and conditions. Regular online lending platform will not allow users to pay any deposit, service fee and other fees in advance. Any platform with transfer, deposit and other requirements has problems, so it is necessary to keep vigilance at all times.