(PLO)- According to the Department of Information Security, in the first six months of the year, the number of online fraud cases in Vietnam increased by 64.78% over the same period last year.
One of the scams mentioned is pretending to be a financial company to lend money. Although the authorities and the press have reported a lot about these scams, in fact, there are still new victims, why is that?
The common feature of these victims of being scammed when borrowing money is that they really need a loan and are offered and lured into the trap by the crooks. In the end, not only could they not borrow money, but they also lost a large amount of money, by the time they knew they had been cheated, it was too late.
Fraudsters often use tricks to attack the psychology of people who are in urgent need of money and want to get a loan with a large amount of money, and the procedure is quick. Through virtual social network accounts, these subjects offer attractive offers when lending capital with many incentives such as simple procedures without collateral, large loan limits, high interest rates, etc. low, disbursed within the day, lends even in case of bad debt… After reaching the “prey”, the subject requests to install an online loan application or send links to the loan website to do so. loan application process.
The next scenario created is that the subject will ask the borrower to transfer an amount in advance to activate the account. Then create countless other scenarios to ask borrowers to pay more money to deposit, buy loan contract insurance. Next is a matrix of errors that are raised to ask the borrower to pay “error correction” to get a loan (such as syntax error, loan error in excess of the specified amount, etc.).
If the borrower does not agree to pay the payment for each of the above fixes, it will be threatened that the loan procedure has been approved, so even though the money has not been received, it will still be prompted on the system. Because of anxiety, borrowers find ways to manage and transfer money.
After receiving the aforementioned funds, the subject will quickly lock the social network account, lock the SIM and withdraw money from the account to remove all traces.
All the tricks of the scammers have been continuously warned by the police and related industries in various forms in residential Zalo groups, on the mass media… Why on the fact that there are constantly new victims?
First, we must acknowledge the fact that where there is demand, there is also supply. Although the banking system has expanded lending methods, it is still not diversified enough to meet the unsecured loan needs of many people. Objects operating through anonymous social networks with the scenario set out so perfectly that the borrower has not had time to deal with this problem, then he has another problem, continuously like that, until he wakes up. too late. So in this story, the victim factor plays an important role. Borrowers need to raise their awareness of vigilance and be startled to ask themselves: If it’s too easy to borrow, is it safe? Do I have enough information about the lender? Is the loan – payment legal?…
Before the number of online fraud cases in Vietnam increased by 64.78% over the same period last year, the Department of Information Security (Ministry of Information and Communications) has launched a campaign of Action Month to propagate awareness and prevention of fraud. online. The campaign will take place from June 23 to July 23, 2023 under the chairmanship of the Information Security Administration to increase awareness and knowledge about online fraud, and protect people against potential risks on the Internet. cyberspace.
Another bell was rung across the country. Along with the strong involvement of the authorities, it is social network users who must read and view information selectively, accept these warning messages to know how to protect themselves.