Is the beautiful loan broken?

Recently, the TV series "Sweeping the Black Storm" is being broadcasted, and the story of "Beautiful Loan" in the TV series is deeply impressive because of its involvement in "routine loan". In real life, similar scams always threaten the personal and property safety of some consumers.

The Chaoyang District People's Court of Beijing held a public hearing on the morning of September 1st to hear a fraud case related to "beauty loan". The defendant recruited the president's secretary with a high salary. After someone applied, he asked the other party to do medical beauty on the grounds that he needed to improve his temperament. It doesn't matter if he has no money. Zero down payment and installment payment. As a result, the loan was repaid, and the general manager of the recruitment secretary had an accident. During the trial, the truth of the beautiful trap was uncovered step by step.

6, to 8, yuan a month to apply for a secretary.

plastic surgery is required before employment.

"General Manager Jin" interviewed the applicant.

The victim Nana just saw the information of a company recruiting the secretary of the general manager with high salary on the Internet. After sending her resume, General Manager Jin of the intermediary company asked her for an interview. After a brief answer, "Mr. Jin" said that she would be arranged to meet with Mr. Wang who recruited her as a secretary. If successful, the monthly salary is 6 thousand to 8 thousand. Two days later, when we met again, Mr Wang came with the driver "Zhao Jun". Nana doesn't know. The driver's real name is Xu, and the whole "recruitment team" is under his command.

Xu Guijun: "After we meet, Wang Qi will introduce me to the job seeker, and then I will make an appointment with the job seeker alone and get to the point with her. We require plastic surgery to improve our image and temperament. If we agree, I will take her to the hospital. "

Prosecutor: "What recruitment content do you use to attract job seekers?"

Xu: "It's usually the assistant to the general manager or the secretary."

The defendant took Nana to Beijing Orange Medical Beauty Clinic, and a set of rhetoric such as "zero down payment", "installment payment" and "relaxing beauty" were waiting for her.

Lian Hongyi, the public prosecutor and deputy director of the First Procuratorate of Chaoyang District People's Procuratorate, said: "Before plastic surgery, medical and aesthetic institutions will consult the victims face to face, and will determine the plastic surgery project for the victims, which usually costs a lot. During the interview, the defendant also made a commitment to the victim's plastic surgery expenses. For example, he promised to reimburse the plastic surgery expenses, or the expenses were affordable, because the job would be well paid in the future. Therefore, the victim believes that he can afford such a loan and agrees to such a cosmetic project. "

the certificate issued by the medical beauty institution after the applicant has made a loan and performed cosmetic surgery as agreed.

Xu: "Some of them can't be contacted directly, because we agreed to contact her here, but after we stopped contacting her, the girl stopped contacting us, and she might react on her own. After some contact, we said that there was a problem here and that the boss who was going to introduce him had a traffic accident. "

presiding judge: "Something happened, right? Is this actually the case? "

Xu: "Actually, it's not."

presiding judge: "What's the purpose of sending these victims a video of a man lying in bed with blood all over his face?"

Xu: "The purpose is also to convince her."

"beauty loan" constitutes fraud

Prosecutor: both job hunting and loan platforms should bear social responsibilities.

In this case, verified by the People's Procuratorate of Chaoyang District, Beijing, the defendant defrauded 1 female applicants of "beauty loans" amounting to more than 4, yuan, and was charged with fraud. In view of the fact that the two defendants pleaded guilty and pleaded guilty, they partially compensated the victims for their losses. The public prosecutor put forward sentencing suggestions for the two defendants, namely, four years and nine months' imprisonment and four years and six months' fine. The court will make a choice.

Beijing Chaoyang District People's Court held a hearing on the fraud case of "beauty loan" (Photo courtesy of Beijing Chaoyang District People's Court, issued by Yangguang.com)

Low academic qualifications, easy work and high salary often attract some job seekers who lack social experience to apply.

In recent years, "beauty loans" have become popular in medical beauty institutions, and so-called preferential conditions such as "zero down payment", "installment payment" and "low interest" have become m

How to avoid falling into the beautiful trap? Lian Yi's tip: "First, you must choose a formal platform and formal channels for job hunting and employment. Before submitting your resume or interview, you must carefully check the relevant qualifications of the employer and the personnel who invited the interview. Second, we should be alert to the abnormal situation in the interview process, such as interviewing in abnormal places such as cars and basements, or having unrealistic promises of high salary, false job information, or having to apply for large loans or large capital transactions before joining the job. We must be alert to this abnormal situation. "

The prosecutor further suggested that job-seeking platforms, medical and aesthetic institutions and loan platforms should all assume social responsibilities. They have a cautious obligation to review job seekers, applicants, plastic surgeons, operators and consumers.

Lian Yi: "For job-seeking platforms, it is very necessary for them to review the two-way information between employers and job seekers to prevent the job-seeking platform from becoming a tool for fraudsters. In the daily operation and management, the medical beauty loan platform must abide by the relevant laws and regulations of the state on medical beauty and loans, and carry out related business legally and legally. Users' qualifications, repayment and plastic surgery-related abilities must be reviewed to a high standard, and other intermediaries or any personnel are not allowed to introduce customers to plastic surgery and loans at will, nor are they allowed to forget relevant reviews and laws and regulations in pursuit of interests. We hope that in the process of job hunting in the future, you must be alert to any abnormal phenomenon that may involve fraud or other crimes, and seek help from the police or society at any time to avoid falling into these' beautiful traps'. I hope you can effectively protect your personal and property rights. " Related questions and answers: What is a beautiful loan? Beautiful loan is an illegal loan, which is a loan for cosmetic surgery, and it makes the victims fall for it at a very high interest rate. It is to let girls show more beautiful meaning, so it is called beautiful loan. However, the interest rate of beautiful loans is very high, and some even have a 1% interest rate. : 1. The principle of loan: The "three principles" refer to safety, liquidity and efficiency, which are the fundamental principles of loan operation of commercial banks. Article 4 of the Law of the People's Republic of China on Commercial Banks stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses and be self-disciplined, taking safety, liquidity and efficiency as their operating principles." (1) loan security is the primary problem faced by commercial banks; (2) Liquidity refers to the ability to recover loans within a predetermined period of time, or to realize them quickly without loss, so as to meet the needs of customers to withdraw deposits at any time; (3) Efficiency is the basis for the sustainable operation of banks. For example, if a long-term loan is issued, the interest rate is higher than that of a short-term loan, and the benefit will be good, but if the loan term is long, the risk will increase, the safety will decrease and the liquidity will become weak. Therefore, the "three natures" should be harmonious, so that there can be no problem with loans. 2. The significance of the emergence of loans: banks put the concentrated money and monetary funds out through loans to meet the needs of supplementary funds for social expansion and reproduction and promote economic development; At the same time, it can also obtain loan interest income and increase the accumulation of the bank itself. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; And take bank credit as an important way to allocate funds and an important economic lever to regulate and manage the economy. 3. Precautions for loan: (1) The information provided to the bank should be true, and the address and contact information of the person should be accurate, and the bank should be informed in time when it changes; (2) The purpose of the loan should be legal and compliant, and the transaction background should be true; (3) according to their repayment ability and future income expectations, choose the repayment method that suits them; (4) Apply for a loan amount according to your ability, and usually the monthly repayment amount should not exceed 5% of the total family income; (5) read the terms of the contract carefully and understand your rights and obligations; (6) Repay on time to avoid bad credit records; (7) Don't lose the loan contract and iou. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan; (8) Pre-payment can only be processed by communicating with the bank one month in advance. (9) When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, but also to issue a household registration certificate at the place where the household registration is located (some banks also require an office certificate); And the housing guarantee company's requirements for foreigners should be handled with a temporary residence permit in addition to local income.