How to apply for a personal loan? Hot topics and solutions across the Internet for 10 days
Recently, the issue of "personal loans" has become a hot topic on social platforms and news media. Many netizens reported that their identity information was leaked, resulting in loans being taken under false names, which aroused widespread concern. This article will combine the hot content of the entire network in the past 10 days to sort out the solutions and preventive measures for this problem.
1. Statistics of hot spots across the entire network (last 10 days)
| platform | Number of related topics | Highest number of reads | Main discussion points |
|---|---|---|---|
| 28,000+ | 120 million | Ways to leak identity information | |
| Zhihu | 1,500+ | 8.9 million | Legal rights protection methods |
| Tik Tok | 5,600+ | 34 million | Demonstration of preventive measures |
| Station B | 320+ | 2.1 million | Credit Repair Tutorial |
2. What should you do if you find out that you have been loaned?
1.Check your credit report immediately
Check personal credit information through the official website of the Credit Information Center of the People's Bank of China or bank APP to confirm whether there are unauthorized loan records.
2.Collect evidence materials
Including but not limited to: copies of ID cards, abnormal records in credit reports, loan contracts not signed by the person himself, etc.
3.Complain to relevant agencies
| Complaint object | Contact information | Processing time limit |
|---|---|---|
| lending institution | Customer service hotline | 15 working days |
| People's Bank of China | 12363 | 20 working days |
| public security organs | 110 | Investigation after filing the case |
3. Ranking of popular preventive measures
According to netizen voting and expert advice, the most effective preventive measures include:
| Ranking | Precautions | efficient |
|---|---|---|
| 1 | Regular credit inquiry (once per quarter) | 98% |
| 2 | Copy of ID card indicating purpose | 95% |
| 3 | Enable mobile phone number real-name protection | 90% |
| 4 | Be careful when authorizing third-party apps | 85% |
4. Key points of legal rights protection
1.statute of limitations: Within 3 years from the date when you know or should know that your rights have been infringed upon
2.Can claim compensation: Including but not limited to mental damages, attorney fees, lost work fees, etc.
3.key evidence:Handwriting appraisal report (certifying that someone else signed it), alibi, etc.
5. Analysis of recent typical cases
In August 2023, a local court ruled in a fake loan case. The defendant bank was ordered to compensate the victim for all losses + 20,000 yuan in emotional comfort because it failed to fulfill its review obligations. This case ranked third on the Weibo hot search list, with a reading volume of 68 million+.
The main faults of the bank identified by the court were:
- Failure to strictly verify the identity of the applicant
- No face-to-face or video verification
- There are obvious loopholes in the loan process
6. Expert advice
1. Check personal credit reports at least twice a year
2. Immediately freeze the credit report if any abnormalities are found (you can apply to the People's Bank of China)
3. Be cautious in handling various occasions that require a copy of your ID card
4. Pay attention to the "anti-fake loan" services launched by major banks
Through the above measures, the risk of fraudulent loans can be effectively reduced. If you have encountered such a problem, please stay calm and follow legal procedures to safeguard your rights and interests.
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