If you are in a hurry to use your money and have no money in your hands, do you choose to borrow money from relatives and friends, or choose a small loan?Behind this, there is a huge network of routine loans, and nearly 250,000 people have been deceived.
01 The amazing inside story behind the routine loan.
When we are in urgent need of money, we often fall into various difficulties, and choosing a small loan on a small advertisement has become a last resort for some people. However, there is a series of routine loans. In 2019, a routine loan case using the Internet as a platform broke out in Lanzhou, which was called the "Lanzhou 2.12 Project".
02 **Revealed: The trick of routine loans.
At first, no one reported the case until the Lanzhou Internet Police found that some APP comments related to loans during online inspections. Through the investigation, ** successfully smashed six routine loan dens, arrested more than 100 people, and seized and frozen the property of the case as high as 1.1 billion yuan. Behind the fraudulent loan is a huge industrial chain, including fake apps, online loan platforms and debt collection companies.
03 The borrower's sad experience.
In this huge chain of fraudulent loans, the borrower is often the most victimized. Zhang is one of the typical cases. He is the owner of a small restaurant and needs a small amount of capital turnover when business is bad. Seeing the advertisement saying that the microloan would be disbursed on the same day, he believed it, but fell into a whirlpool. borrowed through an app called "Sweet Rabbit", and at first borrowed 2,000 yuan, but only 1,400 yuan actually arrived, and the remaining 600 yuan was called "cutting interest".
04 **More than one link.
The ** of routine loans does not stop there. Once the borrower is overdue, the lending platform will charge a hefty penalty, exacerbating the borrower's financial hardship. The lending platform will also harass the borrower through various means, including calling relatives and friends in the address book, sending malicious PS**, and threatening the borrower. Such tactics trap the borrower in a vicious circle and gradually lose the ability to repay.
05 How does the online loan platform work?
Apps that usually attract users with a sweet and fresh appearance, but in fact, there are malicious links to loan information and loans hidden behind them. After these apps, the loan platform guides users into the trap of routine loans through various means. At first, borrowers may only need a small amount of money, but in the case of late repayment, they will be referred to other lending platforms, forming a seemingly endless cycle of borrowing.
06 The suffering of the victims.
Victims often fall into the trap of fraudulent loans because they need money urgently, and end up experiencing endless repayment pressure and malicious harassment. In the ** survey, many borrowers said that they were unable to repay on time and were collected by multiple loan platforms at the same time, resulting in difficulties in their lives. Some people even have suicidal thoughts because of this, and the shadow of routine loans affects their families and lives.
07 The law cracks down on routine loans.
In order to crack down on the fraudulent loan industry, China has strengthened the supervision and crackdown on illegal small loans. Relevant laws and regulations clearly stipulate the malicious collection behavior of loan platforms, and at the same time strictly supervise all aspects of routine lending. However, due to the flexibility and changeability of routine loans, it is difficult to crack down on them, and the joint efforts of all parties in society are required.
Epilogue. 
Fraudulent lending is a criminal act that seriously endangers society, and behind it is a huge chain of economic interests. Borrowers often become victims because they need money urgently, and the operation methods of fraudulent loans are ever-changing, which poses a certain difficulty to crack down. In the face of financial difficulties, it is recommended that you borrow through formal channels, and do not believe all kinds of ** on small advertisements. At the same time, all sectors of society should make joint efforts to intensify the crackdown on fraudulent loans and protect the legitimate rights and interests of the broad masses of the people.
Title: Deeply reveal the phenomenon of routine loans, and call on the society to work together to build a line of defense.
This article profoundly reveals the phenomenon of fraudulent loans, and people can't help but feel deep regret for the victims in it. Fraudulent lending is not only an economic crime, but also a destruction of human nature, leading people who are in urgent need of money into a vicious circle through various means, making them fall into the abyss and unable to extricate themselves.
First of all, the article introduces in detail the operation mode of routine loans. Through the use of various apps, these criminals lure people into borrowing money under various names, and then continue to collect money from borrowers through high "head-cutting interest" and penalties. This method is simply a variant of financial crime, and there is a huge chain of interests behind it, which makes people shudder.
Secondly, the article shows the sad experience of the victim through real cases. These borrowers are in urgent need of money, which eventually leads to difficulties in life, and some even have suicidal thoughts because of this. This is not only a harm to the individual, but also a negative impact on the whole society, which makes people feel that the crackdown on routine loans is far from enough.
The article also mentions the large and flexible characteristics of the routine loan industry chain, which makes it difficult to crack down. In this process, we not only need to intensify the supervision and crackdown on illegal small loans in accordance with the law, but also need the joint efforts of all sectors of society. Only through the concerted cooperation of the whole society can we build a strong line of defense and effectively curb the spread of fraudulent loans.
Finally, the article calls for social attention and vigilance on the problem of routine loans. In the face of financial difficulties, we need to choose borrowing channels more rationally to avoid being used by criminals. The law and social organizations should also work together to provide a safe and reliable borrowing environment for people through publicity and education, intensified crackdowns and other means.
To sum up, this article vividly shows the harm and bad methods of routine loans through an in-depth and simple narrative. As for the problem of routine loans, we need not only the means of the rule of law, but also the attention and joint efforts of the whole society, so as to form a strong social consensus and jointly protect people's property and life tranquility.
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