With the emergence of high-return Internet financial products such as "Yue Bao", less than a year has passed since the second half of 2013, which can be called the first year of "Internet financial management". Several of China's most influential Internet companies, including Baidu, Tencent, Alibaba, NetEase, and Suning, have launched their own financial products to compete in the Central Plains. Compared with bank financial managers' explanations of benefits and risks, Internet financial products are closer to "fool-style" financial management, which uses a simple and direct rate of return as a criterion to attract users, but there are risks associated with them that they will not tell you. Today I will tell you about the risks and precautions of Internet financial management
1. Risks of QR codes: A large number of news about QR codes being implanted with Trojans and installed on mobile phones and impacting Yu'e Bao have attracted much attention. discussion. Criminals disguise Trojan viruses as pictures, URLs, or QR codes, and then trick users into installing the Trojan program. It should be noted that mobile phone viruses are generally just malicious Trojan software. If you don’t install it, there will basically be no threat in this regard. Once a mobile phone user installs and uses financial product APPs such as Yu’e Bao, the Trojan program will automatically tamper with the page, amount, Especially the method of intercepting the verification code allows automatic transfer of funds.
Security risks: Disguised as normal programs, threatening financial security by intercepting verification codes, etc.
Risk prevention: Only download applications from secure platforms such as Baidu Mobile Assistant, 360 Mobile Assistant or official websites. Do not scan unfamiliar QR codes casually
2. Super online banking risk: In November 2011, the second-generation payment system developed by the central bank was launched as a whole. The system has functions such as real-time inter-bank transfers and inter-bank account inquiries. , this is "Super Online Banking". In layman's terms, you can use one online banking account to realize inter-bank inquiries and transfers of multiple bank cards. Most domestic banks support this function by default. However, once a criminal uses it maliciously and obtains authorization for another person's bank account through fraudulent means, he can steal all the balance of the other person's account.
Security risk: Using fraudulent means to induce card owners to authorize them through security tools (u-shield, etc.), thereby transferring funds in the card
Risk prevention: Keep security tools properly (u-shield, password card, verification code, etc.), no one has the right to ask for the user’s verification code, pull out the u-shield safely immediately after use
3. Mobile phone verification code payment risk: Mr. Li is While discussing business, the signal suddenly disconnected. In fact, I was asked to have my card replaced at the business hall in Chengdu, Sichuan. Four minutes later, his 268,000 yuan from China Construction Bank was transferred to an unknown account in three installments through mobile banking transfers. But the ID card is with him, how can the other party replace it? In fact, the other party forged an ID card after knowing his ID card address, date of birth and other information. However, since it was non-magnetic, he used the fake driver's license as an auxiliary proof to lie about his identity. The card was degaussed, and the staff did not strictly check the avatar to successfully replace the card. As for the 6-digit login and transfer passwords, they were naturally peeked
Security risks: Obtain personal information, passwords, etc., through card replacement. Verification code, thereby stealing funds
Risk prevention: Keep personal information properly and do not disclose it to anyone. If you do not understand electronic banking, please clearly state that you do not open any additional services when applying for a card (some Banks often privately enable e-banking, SMS reminders, etc. for users)
4. Risk of payment without verification code: WeChat recently launched WeChat payment, which does not require a mobile phone verification code. You can try to use WeChat to bind a credit card and pay a mobile phone bill. You will find that you only need to enter a 6-digit transaction password to make a payment, and there is no need to enter a verification code. Moreover, WeChat does not provide gesture login, which means that if the other party gets the card owner’s mobile phone and knows the 6-digit transaction password (most people’s 6-digit transaction, cash withdrawal, and query passwords are the same), then the funds will face a huge threat.
In fact, it’s not that the verification code was not sent, it’s just that WeChat “intercepted” the verification code for the user and automatically entered it
Security risk: stealing through WeChat payment by obtaining the 6-digit transaction password
Risk prevention: When entering passwords, be sure to cover the keyboard with your hands, and keep your personal mobile phone and password properly
5. Redemption and redemption risks: Today’s Yu’E Bao and major Internet financial products are all backed by Internet companies with deep pockets , Fund companies support. Yu'e Bao's capital scale has even exceeded 250 billion yuan, and the number of customers has exceeded 49 million. In one fell swoop, the little-known Tianhong Fund has become the largest fund management company in China. Currently, several mainstream Internet financial products adopt the "T 0 open-end fund" redemption method, which essentially requires Alipay and fund companies to make advance payments to ensure that users can withdraw financial deposits from their accounts in real time. It is worth noting that the Yu'e Bao contract has clearly stated unexpected events with redemption conditions - "When 'force majeure' occurs, 'the exchange is abnormally suspended', 'the net income is negative at that time', In the event of huge redemptions or technical failures on two or more consecutive opening days, the fund company has the right to suspend the redemption business or delay the redemption time." Although Alipay, Suning, etc. have currently launched financial products, and the company is strong and has never experienced losses in its financial products, from a risk perspective, it is recommended that you do not put your eggs in one basket and only use multi-channel and multi-platform financial management. Is the best way
Security risk: Once the company has problems, funds will be at risk
Risk prevention: Don’t put your eggs in one basket, multi-channel and multi-platform financial management is the best way The best way