"Never leave home, you earn thousands of dollars a day", "Providing long-term loans, free of charge and without guarantee" and "recommending stocks, you can make a steady profit without losing money". In the past year, have you received similar strange phone calls and online advertisements?

With the popularity of smart phones and mobile Internet, it brings convenience to people, but also gives some lawless elements an opportunity. 361 published the "Top Ten Internet Fraud Techniques" in the "Research Report on Internet Fraud Trends in 2118" published on October 5.

Speech 1: "Come to my office tomorrow"

Have you ever received such a phone call, "XXX, come to my office tomorrow"? The other party can even call you by your first name or surname, but we don't know who he is. If you ask him who he is, he will seriously blame you. "Can't you hear the voice of the leader?" Be careful when you meet this kind of phone call. Most of them are liars who pretend to be leaders to cheat.

Cheating prevention skills:

1) Don't be afraid to receive a strange phone call, QQ or WeChat from the company leader asking for a transfer. You should immediately call the familiar leader's original phone number for verification, or ask the leader for confirmation in person.

2) In case of being cheated, the victim must calm down, call the police at the first time and contact the bank to stop the payment urgently, so as to recover the loss to the maximum extent.

3) always pay attention to protecting personal information to prevent it from being used by scammers.

Method 2: "Grandpa's tea is unsalable. Can you buy some for me? "

The beautiful woman you talked to for a long time suddenly said this piteously to you. Do you still have the heart to refuse? This move is a liar's "honey trap". This classic cliche comes from the "tea girl" scam popular on various social platforms. Fraudsters often disguise themselves as beautiful women to make friends on social platforms, make friends with the victims, chat and talk, and then ask my grandfather to buy tea on the grounds of helping to manage his teahouse in Wuyishan, Fujian.

Anti-cheating skills:

1) Raise awareness of prevention and carefully add strangers as friends on social platforms.

2) Be wary of money transactions on social platforms.

3) If you find yourself cheated, you must report it to the public security organ in time and report it to the phishing platform.

Cheating prevention skills:

1) No matter what social platform you are on, be careful to add strange friends;

2) Don't be deceived by the appearance of strange friends. Avatar and intonation can be disguised;

3) If the other party mentions transfer and remittance, for whatever reason, you must resolutely refuse whether you listen or not.

Word 4: "If your courier is lost, we will double the compensation."

At last, when the e-commerce promotion emptied the shopping cart, I was told that the courier was lost, but fortunately, I could "double compensate". Don't be too happy. In this case, we must go to official website for verification. Beware of fraudsters pretending to be customer service and courier companies tricking you into logging in to phishing websites and stealing your account information.

Cheating prevention skills:

1) All incoming calls: "Hello, are you Ms. X/teacher? You bought xx in our online shop, which is mostly a liar's statement. If in doubt, you can hang up and contact the official phone on the shopping website for verification;

2) There is no so-called exception handling process or refund process in regular e-commerce websites, and words such as card bill and bill drop are also special terms for fraud. You can only apply for a refund by clicking Refund in the order interface;

3) Remember the psychology of "I have no money, I am not afraid to cheat", and beware of fraudsters using personal credit to make loans and advances.

4) fill in the verification code. You should see the business content handled by verification code clearly. If you encounter an unknown business verification code, don't rush to fill it in. You can learn about the business before filling it out.

5) When the funds in the account change, please check the fund transaction in detail, and don't blindly believe the words such as making more money, increasing the credit limit and recharging.

Article 5 "Free long-term loan, no guarantee"

Everyone is short of money sometimes, but nothing will happen. Be careful when someone recommends you an unsecured loan. The fraudster will claim that the loan must pay a deposit or part of the interest in advance, and let you apply for a bank card yourself. First, do an "enterprise capital verification" for your account to prove your repayment ability, and then turn on the telephone inquiry function for him to inquire. In fact, the fraudster will transfer your funds by using the initial password

1) Check the business license. You can inquire from official website, the local industrial and commercial bureau, or directly to the office address of the loan company.

2) Look at the charging time. Formal loan companies only charge after the loan is issued. Whether it is interest or handling fee, the people who ask for fees before the loan are basically liars.

3) Look at the loan cost. If the loan interest rate exceeds four times that of the bank in the same period, it is best not to touch this platform.

4) Look at the loan procedures. Don't say anything. Being able to borrow money is definitely fake, and being able to pay money to delete bad credit is also fake. Generally, regular loan companies will collect personal identity cards, work certificates, bank running water and other information.

5) choose regular channels. Personal information such as bank cards, passwords and mobile phone verification codes should not be disclosed to strangers. Choose formal channels for loans, discuss with your family, and don't trust others.

remark 6: "Your bank account is suspected of money laundering"

On the other end of the phone, fraudsters disguised as public security law and operators first used the words "money laundering" and "sending fraudulent information" to fool you. If you don't believe me, fraudsters can even send you identification and official letters. Once they scare you, they will trick you into transferring the money in your account to a "supervision account" for "review".

Cheating prevention skills:

1) As the law enforcement department of the government, the public security organ will never use the telephone to investigate so-called cases and other issues, nor will the public security organ communicate with other departments by telephone, so don't trust secret cases and listen to others alone.

2) There is no so-called "safe account" in departments such as Public Security Law. Please don't trust anyone who asks your bank to transfer money or remit money.

3) With technical means, criminals can simulate various telephone numbers. When you receive a similar call, you must be calm and calm. Hang up immediately when it comes to transferring money.

4) Arrest warrants and the like will never be sent in the form of pictures or links.

Lesson 7: "Teach you a way to earn XX yuan a day online, and you can do a part-time job at home with your mobile phone"

Be careful when looking for a part-time job online, or you will be cheated if you don't earn it. There are many kinds of "online part-time jobs", but making money is not so easy. To find a part-time job, you should go to a regular recruitment website, and don't easily disclose personal information online. Don't engage in illegal part-time jobs, otherwise you will not only be gullible, but also commit crimes.

Anti-fraud tip:

1) All jobs that claim to have low technical threshold, easy work and quick money are frauds.

2) Don't trust the so-called membership fees, audit fees and other fees. If you need to pay such fees in part-time jobs, most of them are frauds.

4) if you find yourself cheated, please stop the subsequent transactions in time to avoid losing more money.

Word 8: "Your WeChat needs second real-name authentication"

Anti-fraud tip:

(1) Authentication does not need to be bound to a bank card, and at present, WeChat has not carried out the so-called "second real-name authentication".

(2) Never click on websites of unknown origin, let alone fill in personal information such as social account password, mobile phone verification code and bank card account password.

(3) In order to confuse the audience, criminals often change their avatars and nicknames to be similar to official accounts. Please click on the detailed information to see if it is true or false.

(4) Criminals will send short messages disguised as official short numbers. When they receive messages in doubt, they should first call the official customer service number to ask for verification.

Word 9: "Recommend stocks, make sure you don't lose money"

The stock market is ups and downs, and some immature investors and retail investors are used to counting on so-called "inside information" to get rich overnight and make a lot of money in the stock market. If someone told you to listen to his (her) recommendation, buy it today and earn it tomorrow, would you be tempted? Then pay the fee, add QQ group and WeChat group. The stock recommended to you does not go up? The fraudster will tell you to continue to pay the fee, and you have to upgrade to a senior member to recommend you with high income.

Anti-fraud tip:

1) Stock investment is inherently risky. Don't believe the myth of "getting rich overnight", invest cautiously and be vigilant.

2) Don't add various QQ groups and WeChat groups related to stock recommendation and insider information.

3) When you see some so-called profit screenshots and inside information, no matter how rhetoric the swindler uses, you should keep calm and rational to prevent you from falling into the trap and suffering economic losses.

Story 11: "Selling game coins at a low price"

Be careful when you see such a good thing! The popularity of many large-scale online games has attracted a large number of players, and most games require players to buy equipment or virtual currency. Game currency fraud also came into being. Fraudulent gangs lured gamers to buy game coins at low prices. After the players took the bait, they used various reasons, such as the need to open VIP, the need to unfreeze funds, and the wrong bank card number when registering an account, to set up the crime process of "please enter the urn" step by step.

Anti-fraud tip:

1) Don't believe that pies fall from the sky, and be fooled by pretexts such as "selling at a low price" and "buying at a high price".

(Yi Xiao) Related Q&A: Regular bank mortgage loan process and application conditions can be used for house mortgage loan. Generally, you can borrow for 71% to 21 years. If you go to the bank to apply for a loan, you need to provide the following information: (1) Identity documents (including ID cards, military documents, household registration books, temporary residence permits, etc.); (2) the spouse's identity certificate (including ID card, military certificate, residence booklet, temporary residence permit, etc.); (3) proof of income (in the format specified by the bank) and income flow; (4) Marriage certificate (marriage certificate, single certificate, divorce certificate or divorce judgment); (5) Copy of the business license of the unit (stamped with the official seal of the unit) (6) Certificate of academic qualifications (provided by junior college or above) (7) Certificate of house title (8) Proof of loan use. The loan process is as follows: ◆ The borrower applies and submits relevant materials ◆ real estate assessment, pre-loan investigation, examination and approval ◆ Approval, mortgage registration ◆ Lending, the borrower regularly repays the loan principal and interest according to the contract ◆ The loan principal and interest are settled. If you are really in a hurry, you can find a private loan, but the interest will be higher, or you can consult several banks and intermediaries, and they will tell you the specific process, but be careful. Don't pay any fees until you get the money. Related Q&A: Is it true that rural credit cooperatives give loans free of charge?

rural credit cooperatives, giving loans for free is really such a thing. And the benefits are much more affordable. Maybe you can't even think about it. Let's talk about the good things about free loans.

in p>2117, several clerks from the county rural credit cooperatives came to our village, saying that they would give free loans to rural people to develop production and become rich and well-off as soon as possible. But the premise must be poor households, and the age cannot exceed 61 years old.

The village informed the poor households to go to the village committee to fill out a form and apply for a loan, but none of the poor households in the village was willing to make a loan, and all of them were confused about it. The reason was very simple. We were poor and had no money, so we didn't dare to give us a loan. We didn't want anything with a long tail, and the interest on growing some food was not enough. The word "no loan" came out of our mouths. Then all the poor households were indignant and left. The first time to mobilize loans from poor households ended without results.

the power of the government is great. The first loan for the staff of the credit union was not completed. People from the town government were invited to do ideological work for poor households and let them borrow money.

since it is a loan, there must be a guarantor. Town government officials explained that the town government is the guarantor. What are you afraid of? The loan can be used to develop production. If you don't have a good project, you can also invest in a local enterprise to pay dividends at the end of the year, with an annual dividend of 1,111 yuan for every 1,111 yuan. Each poor household under the age of 61 can borrow up to 51,111 yuan. In this way, each poor household can get a dividend of 5111 yuan at the end of the year. It is also a lot of income.

The poor households still feel insecure, and I wonder whether they can get the money through year-end dividends. With a grain of salt and trepidation, I filled out the form and signed it. The staff of the credit union finally finished the task and were relieved.

Before the end of the year came, the village committee informed all poor households with loans, provided their ID numbers and farmers' "one-card" and said that they would pay dividends in their cards. The heart of the poor loan households hanging in the air finally landed. The good news of falling pies from the sky finally hit the heads of poor households. Such a good thing has been paying dividends for three years in a row. It was originally stipulated that dividends should be paid for five years, and there are still two years left to expire. Don't you think it's true?

I am a three-agriculture-willing ox. If you are satisfied with my answer, please pay attention to my three-agriculture-willing ox.