Later, the customer called and said that he had reported the case. Due to the timely guidance of the bank staff, the money is being urgently recovered.
Case analysis: Internet fraud violates criminal law.
Fraud refers to the act of defrauding a large amount of public and private property by fabricating facts or concealing the truth for the purpose of illegal possession. 1030 10 Article 266 stipulates that whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.
In this case, "customer service" just took advantage of the credulity of customers and took out the loan as a deposit, which caused the customer's financial loss.
At present, telecom fraud means emerge in an endless stream, and it is difficult for ordinary customers to distinguish between true and false, and it is easy to be deceived. In this case, fraudsters take advantage of customers' ignorance of loan policies and their eagerness to use money, and take increasing the loan amount as bait to induce customers to be deceived.
Risk: Asking for payment before a loan is fraudulent.
Recently, loan fraud cases have been high. Liars often ask consumers to transfer money to obtain loans on the grounds of fees, handling fees, deposits or account activation funds. Consumers must be vigilant, and loans must be handled in formal financial institutions or formal online lending platforms. Any online loan advertised as "low interest" and "mortgage-free" in the name of "handling fee", "deposit" and "unfreezing fee" before lending is fraud.
(1) Personal information is strictly confidential, so don't tell others easily. 1. When a consumer receives a phone call asking for personal financial information (such as ID number, card number, verification code, password, etc.). ).), don't tell each other your information at will, but go to the nearest banking institution for confirmation; Secondly, for similar visiting calls, keep the information and communication materials with the suspects so as to provide supporting materials to the police when calling the police; Finally, if you accidentally reveal your financial information, you should immediately report the loss of the bank account password at the nearest bank outlet or through the bank customer service phone to reconfirm the funds in the account.
(3) Bank employees should learn more to curb risks from the source. Front-line employees of banks should strengthen the updating of business knowledge and the improvement of professional ability, ensure the first entry and exit of customers' funds, raise employees' awareness of preventing telecom fraud, strengthen anti-fraud education and training for tellers, lobby managers and security guards, require tellers, lobby managers and security guards to observe and communicate frequently, kindly remind customers to be alert and guard against suspicious phone calls and text messages, avoid the loss of customers' funds, and bear the responsibility of funds flowing out of the firewall. At the same time, we should continue to do a good job in popularizing financial knowledge, actively publicize and explain the common sense of banking business and the characteristics of telecom fraud crimes to customers, and warn customers not to trust all kinds of winning information and refund information through publicity and guidance at the counter and posting warning signs. And remind customers to protect their passwords and storage media.
Fraud and other illegal crimes are rampant, so it is urgent to strengthen the source risk of opening an account. As a commercial bank directly facing customers, it should seriously study the characteristics of abnormal card opening, flexibly apply theoretical knowledge to practical work, handle business prudently according to the principle of "know your customer", further verify any abnormal behavior in time, give feedback in time, summarize the report in time, go all out according to the principle of "broken card", effectively prevent accounts involved, curb risks from the source, and effectively protect the legitimate rights and interests of financial consumers.
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Related questions and answers: Ask everyone, is it reliable to borrow money from microfinance? Microfinance is a bank product, of course, it is reliable. I usually use small loans for emergency money, and I can pay interest for a few more days when I borrow it. In addition, there is no other handling fee except the interest on borrowing money. Please feel free to use. But Baidu knows more.