Before borrowing, you must install designated software to obtain personal information. Through "risk assessment", you will receive a 30% "head interest" for the loan, and the annual interest rate is as high as 2235%. Yin-Yang contracts, SMS bombing, threats and intimidation, and

Reporter Cheng Jian

Before borrowing, you must install designated software to obtain personal information. Through "risk assessment", the loan will be charged 30% "head interest", and the annual interest rate is as high as 2235%. Yin-Yang Contract , SMS bombing, threats and intimidation, and explosive address book... Do you dare to install software like

? How dare you borrow such a loan?

Since the "100-day Action" for the crackdown on public security in the summer, the Anning Branch of Lanzhou Municipal Public Security Bureau has coordinated the "two no mistakes" of epidemic prevention and control and public security's main business, insisted on "zero tolerance" in cracking down on organized crime, kept a close eye on the goals of the "clear chain and clean the network" action, firmly determined, strengthened the crackdown, and increased the depth of thorough investigation, and cracked down on online "routine loan" online criminal activities. Recently, with the strong support of relevant departments of the provincial department and municipal bureau, two gangs of infringing on citizens' personal information and one gang of "routine loan" were successfully eliminated, 21 criminal suspects were arrested, and more than 40 million yuan of funds involved were verified, and more than 70 million pieces of personal information of citizens were seized.

Stealing information full of tricks

In early May this year, residents of the jurisdiction, Xi, Li and others successively called the police that after an online loan company called "Manyihua", they made a profit and broke up and replenished the profits. They were harassed by phone, threatened and intimidated, and even used soft violence to contact their family and friends, forcing them to hide in Tibet. Speaking of borrowing experience, Li was still scared: if you borrow 3,000 yuan and get 2,000 yuan, you will have to repay 5,000 yuan in half a month.

Through investigation, the police found that there were many similar victims. At the same time, they also learned that the reporters were required to install a mobile APP before borrowing, and they could only continue to apply for the loan after operating as required.

"APP is used to steal borrower information, and loans are also full of routines. Each loan is charged 30% of the 'head interest', with an annual interest rate of up to 2235%. "Zhang Yong, captain of the Internet Security Brigade, summarized the characteristics of the "Routine Loan" in 24 words: "Seven days, doubled overdue, rolling debts, Yin-Yang contracts, loan-to-loan loans, loan-to-loan accounts!"

"In the process of investigation, we found that the secret secret APP embedded in worm virus is operated and maintained by a technology company in Hunan, and there is a connection with the 'Manyihua' online loan company." Yang Miao, deputy captain of the Internet Security Brigade, introduced, "When the borrower applies for a loan on the 'Manyihua' platform, The backend staff guided the borrower to download the secret stolen APP, and asked to provide WeChat, , Alipay, accounts and consumption records for the past three months. Then, they contacted the technology company involved in the operation and maintenance of the APP, and carried out a large amount of personal data and information theft in a paid form to achieve the purpose of risk control of the borrower. "

As of the incident, the "Manyihua" online lending company has paid more than 20,000 yuan to a Hunan technology company responsible for the secret stolen APP, and purchased more than 1,500 people including the borrower's name, ID number, telephone number, address book, call record, personal credit report, consumption record, and other various citizen information, with as many as millions of records.

Due to the seriousness of the case, Anning Public Security Bureau quickly reported the case to the provincial department and municipal bureau, and dispatched elite police forces to form a special task force to investigate the case with all efforts. With the full support and business guidance of relevant departments of the provincial department and municipal bureau, the task force found that Zhang Mou, the legal person of Hunan Network Technology Co., Ltd. and Gu Mou, the supervisor, invested more than 20,000 yuan to hire Wu Mou and Wei Mou to develop a secret stealing APP and supporting risk control system to steal citizens' personal information and provide risk control services for illegal online lending gangs.

. Searching for sea in the sea. Qianli . Capturing the thief

html In late May, the police of the task force went to a city in Hunan Province to set up controls, fully grasped the dynamics and locations of the personnel involved in the case, and carried out the arrests in a unified manner.

"A company and two gangs arrested 7 criminal suspects, found out that more than 2.27 million yuan of funds were found, and more than 70 million pieces of illegally obtained citizens' personal information were seized on the spot, and Zeng and Lai, the person in charge of "Man Yihua"."Jia Wenbin, a police officer from the task force, was very excited: "This group of people provided information theft and risk control services to more than 900 illegal lending gangs on the Internet, and we lost a nest of thieves who steal citizens' information! "HTM4

task force found through a comprehensive and detailed investigation that in 2021, Zeng and Lai jointly raised more than 600,000 yuan, and used the name of a registered company to conduct online lending. Using fellow townsmen and relatives as a link, they gathered 12 people including Zhang and Tang to engage in "routine loan" business. They forced high debts through soft and violent means such as phone text messages, WeChat insults, blowing up address books, threatening home collection, and sending forged lawyer letters, which is completely in line with the " Characteristics of illegal and criminal behaviors of routine loans.

As of the incident, the funds flow of the gang's loan account reached more than 40 million yuan, and nearly 1,000 lenders, of which "cutting interest" made a profit of more than 1.5 million yuan, overdue fees of more than 400,000 yuan, and a total profit of more than 2 million yuan.

Based on the knowledge of a large amount of evidence, the task force decided to pay "Manyihua" company and the "routine loans" behind it The evil forces carried out precision strikes. At the end of June, the police from the task force rushed to attack for a long distance and divided the troops into multiple routes. They carried out arrests in Chongqing and Hunan Province at the same time. All 14 gang members, including Zeng, the legal person of the "Manyihua" company, Lai, the supervisor, seized more than 50 types of crime equipment such as mobile phones, computers, and servers, seized more than 10,000 electronic statements and electronic contracts, destroying the "routine loan" evil forces in one fell swoop.

This time, the "thief" campaign to eliminate "evil", Anning Public Security successfully cut off a criminal chain that infringes on citizens' personal information - illegal lending - urging debts to obtain huge profits, achieving a synchronous and two-way attack on crimes that violate citizens' rights and crimes involving evil.

At present, all the suspects involved in the case have been taken criminal coercive measures in accordance with the law, and the case is being further investigated.