Experience in preventing online fraud: 5 articles

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The experience of preventing online fraud 1 "online fraud" and "campus bad loans and online loans" frequently occur in university campuses, which have brought serious harm to the personal and property safety of teachers and students. It is necessary to strengthen education and arouse their vigilance.

The typical model of online credit is: online credit companies provide a platform for lenders to obtain interest income; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee. Some P2P peer-to-peer lending platforms continue to expand their business to colleges and universities, using false propaganda means such as "zero down payment", "zero interest" and "no guarantee" to induce students to over-consume, and even fall into the "loan" trap, lowering the loan threshold and concealing the actual tariff standard, which has brought great burden and pain to the majority of students and parents.

Peer-to-peer lending on bad campuses has many risks:

1, mostly illegal private lending organizations, with irregular and illegal lending procedures, short cycle, high interest and even rolling interest;

2. Threatening or even blackmailing students, their families and guarantors by illegal means when students cannot pay high interest;

3. Some staging platforms did not actively inform users of the consequences of overdue repayment when applying for staging, which led to the snowballing of student loans with delayed repayment;

4. There are many traps in the loan agreement: professional clauses and legal provisions are used to hide the overlord clauses such as high interest rates;

5. Some platforms require to pay the deposit before lending, but there is no following; Or charge a high "consulting fee" or handling fee;

6. Some students provide guarantees for third-party loans in their own names. When the third party fails to repay the loan on time, the loan company directly requires the students to bear the expenses.

How to prevent the risk of bad peer-to-peer lending on campus

1, establish a scientific consumption concept, do not blindly follow, do not compare, do not show off, and consume reasonably, moderately and rationally; Don't pursue material enjoyment beyond your own economic ability, and try not to borrow money for shopping on online lending platforms and installment shopping platforms;

2. Protect your personally identifiable information and never lend your personally identifiable information to others for loans or shopping;

3. Improve the awareness of self-protection. When there is danger or threatened by criminals, learn to protect yourself by proper means or legal weapons and ask parents and teachers for help in time. Don't make a big mistake for fear of being criticized;

4. When other students are found to have abnormal consumption behavior, remind them in time and report to the counselor or college security office when necessary;

5. Cultivate the spirit of thrift and self-improvement, create wealth through honest and legal labor, and don't participate in the publicity activities of the campus peer-to-peer lending platform in the name of "part-time".

With the development of the times, the Internet has become more and more close to people's lives. While accepting realistic learning, people actively learn all kinds of knowledge under the network platform, share their own learning experience, expand their communication scope, and expand their horizons and enrich their knowledge reserves through communication with others. As teachers, we should not only make good use of existing resources, but also join online learning. Under this platform, we will learn good teaching methods and improve our own shortcomings in teaching. At the same time, I will share my good aspects with others, and at the same time, I will help others to make progress together and devote all my energy to education.

Never too old to learn. Whether we are students or teachers now, we should constantly learn good experience and advanced knowledge to improve our professional quality and moral quality. In the past six months' work, I have clearly realized that I still have many shortcomings as an educator. In this online study, I browsed some good experiences published by others in the forum in the form of replies, and combined with my actual situation, I carefully summarized them and put forward some questions or feelings. Moreover, by downloading some excellent lesson plans or videos uploaded by others on the Internet, I have the opportunity to learn some good habits and methods of others in teaching, which has benefited a lot.

After studying, all we have to do is learn to share. The Internet provides us with a big communication environment, so we can ask our own questions in the teaching process and discuss a good solution with everyone, and at the same time avoid others asking the same questions in the future. At the same time, you can also share some good teaching methods and experiences with others, as well as good teaching courseware problems. In this online learning process, I put forward some personal views on composition teaching for primary school students and uploaded some good materials for others to download. I think this is a good way to communicate with others. The Internet has expanded our social circle to China and even the whole world, giving us an opportunity to discuss ways to exchange experiences with all education experts, not just our schools or counties and cities. In the new era, we can't follow a set of traditional teaching methods. Reform and innovation are the qualities that every teacher should have in the new era. There is a good saying: "If a teacher wants to give his students a bowl of water, he must have a bucket of water, even if it is a steady stream of water". Through studying, I suddenly feel that my pressure has become greater. If I want to become a qualified teacher eventually, I must work harder to improve my professional quality, theoretical level, educational research ability and classroom teaching ability. I think I have a lot to learn. Although I just started working, I can't forgive myself for my shortcomings in education and teaching just because I am a newcomer, because primary education is only once for students. As teachers, we must impart the latest knowledge to them. At the same time, this half-year work experience makes me understand that as a teacher, we must constantly learn new knowledge, improve our own quality in all aspects, and keep pace with the times, so as to pass on the best learning methods and the latest knowledge to students. Only in this way can we cultivate high-quality talents who are polite, honest, self-respecting, self-loving, confident and innovative.

This online study is just the beginning of my study using the Internet. In the future work, I will, as always, make good use of the Internet platform, learn various resources, constantly learn to enrich myself, improve myself, and strive to become a qualified teacher as soon as possible.

The experience of preventing online fraud Part III: After professional study, students in our school try to consciously contact the society, increase social experience, strengthen social adaptability, attach importance to safety education, raise awareness of safety prevention, and communicate and consult with school teachers in time for unknown matters; Furthermore, we should strengthen our psychological quality, establish a correct outlook on values and money, be calm when encountering accidents, pay attention to adjusting our mentality, and communicate with parents and teachers in time.

Don't have the psychology of "greedy for cheap", "getting rich overnight" and "falling pie in the sky"; Pay attention to protecting personal data information, and don't register and fill in your personal information such as your identity, mobile phone number and bank card number at will; While doing a good job of self-prevention, actively publicize to friends and relatives around; We should call the police in time when we find illegal and criminal acts of telecom fraud. If you fall into the trap set by criminals, you should take timely measures to minimize the losses. If you find yourself cheated, don't take any chances. You should quickly save the evidence involved and report the case in time.

The frequent occurrence of college students' fraud cases has become a serious social problem, and many problems behind it deserve our reflection and consideration.

Summary and suggestions

Telecommunication fraud is very harmful, so we should start from ourselves to prevent telecommunication fraud. The people should not be greedy and credulous, and take more precautions. Relevant departments should take necessary measures to crack down on all kinds of telecom fraud, increase scientific and technological early warning and crackdown, increase publicity, focus on cracking down on prevention awareness, standardize the bank account management system, and improve legislation. Eliminate telecom fraud in the bud.

With the continuous development of the Internet and telecommunications industry, in recent years, the phenomenon of committing false information crimes by means of telephone, short message and network is rampant. Since the beginning of this year, the amount of telecom fraud in China has reached 700 billion yuan, with various names and many people involved.

After professional study, we students consciously try to get in touch with society, increase social experience and strengthen social adaptability. At the same time, pay attention to safety education, improve their safety awareness, and communicate with school teachers in time for unclear things. Furthermore, we should strengthen our psychological quality, establish a correct outlook on values and money, be calm when encountering accidents, pay attention to adjusting our mentality, and communicate with parents and teachers in time.

Don't have the psychology of "greedy for cheap", "getting rich overnight" and "falling pie in the sky"; Pay attention to protecting personal data information, and don't register and fill in your personal information such as your identity, mobile phone number and bank card number at will; While doing a good job of self-prevention, actively publicize to friends and relatives around; We should call the police in time when we find illegal and criminal acts of telecom fraud. If you fall into the trap set by criminals, you should take timely measures to minimize the losses. If you find yourself cheated, don't take any chances. You should quickly save the evidence involved and report the case in time. The frequent occurrence of college students' fraud cases has become a serious social problem, and many problems behind it deserve our reflection and consideration.

Whether it is real fraud or online fraud, the ultimate core or * * * similarity of a liar is a fraud. As long as we strengthen our preventive psychology, we will earnestly achieve the "three noes": no credulity, no disclosure, no transfer; Report the case in time.

Experience in preventing online fraud Article 5 refers to fraud cases that occur when victims buy goods online. Its performance is as follows:

1, Multiple Remittances-The swindler forces the victim to make multiple remittances for various reasons, such as not receiving the payment or offering to remit a certain amount before returning the previous money.

2, fake links, fake web pages-scammers provide fake links or web pages for the victim, and transactions often show unsuccessful, allowing the victim to remit money many times.

3. Refuse the safe payment method-planted a liar. There are three reasons for refusing to use the third-party secure payment tool on the website, such as lying that "my own account has recently broken down and I can't use secure payment" or "I don't need Alipay because I have to charge a handling fee, so I can give you a cheaper price" and so on.

4, collect deposit fraud method-the liar requires the victim to pay a certain amount of deposit or deposit before delivery. Then it will use the victim's urgency to get the goods. A plausible reason to induce the victim to add margin.

5. Appointment remittance-a common way to buy used cars and train tickets online. On the one hand, the swindler asked the victim to meet somewhere to check the car or give tickets, but also asked the victim's friend to remit money as soon as he received the victim's phone call. The swindler used the "caller ID-free software" to impersonate the victim and called his friends to ask them to remit money.

6, shoddy-fake, inferior, low-priced cottage products pretend to be brand-name goods, and the victims even clamored and complained after receiving the goods.