Banks proactively call to provide low interest loans? Don't believe it! AI is screening "big shots" based on consumer feedback. AI | Consumers | Low interest loans
Recently, there have been concentrated reports from consumers who frequently receive harassing phone calls related to loan sales, and the other party can accurately provide information such as the consumer's name, address, and workplace.
The market supervision department in Shanghai launched a special law enforcement action on "clearing the chain" throughout the city today. Based on preliminary investigations, they launched a surprise law enforcement campaign against 35 loan intermediaries who violated consumer information security.
Law enforcement officers discovered the call records of employees using the AI group calling system to make phone calls to customers in the order listed on the computer at the office of Laifu Management Company.
I found records of mass sending through SMS platforms and scripts such as "I am a loan customer manager at the financial center" on the person in charge's computer and mobile phone.
"In just one day, 220000 pieces of information were sent in bulk," said Chen Huanhuan, Deputy Leader of the 14th Brigade of the Law Enforcement Brigade of the Shanghai Market Supervision Bureau. There are also 5 similar loan intermediary companies in the office building where this checkpoint is located. Based on the current inspection situation, there are mainly two types of suspected illegal activities: one is the illegal collection and use of personal information in business operations, and the other is impersonating banks and financial institutions in external publicity and promotion.
The Shanghai Municipal Administration for Market Regulation stated that up to now, law enforcement actions have found 25 companies suspected of illegal collection and use of personal information, false advertising, commercial bribery and other illegal activities, and further investigation and evidence collection are underway.
Law enforcement officers also found that over half of the 25 companies are customers of a certain network information technology company. The network information technology company mainly operates AI voice group calling systems, provides templates and customizes language content such as "This is * * finance" according to customer needs, and then dials AI voice calls based on consumer information provided by customers.
To promote the AI voice group calling system, the company also teaches customers "tricks", such as obtaining consumer information in bulk through channels such as the Qichacha website. Law enforcement officers have found that the company's customers are located in multiple provinces and cities across the country, and more than 1200 accounts have purchased this AI group calling system.
After dialing the phone, illegal operators will classify and grade consumers based on factors such as comprehensive call duration, number of consumer speeches, and conversation content, and screen out potential target groups with strong loan intentions, making it easier for loan intermediaries and other companies to carry out precise marketing in the next stage.
A certain business information consulting company is a loan telemarketing intermediary. After purchasing an AI group calling system, they explore potential customers with loan needs through telephone sales. Salespeople usually refer to themselves as the credit department of a certain bank and use language such as low interest loans and free handling fees to induce customers to take out loans. They then provide loan plans based on the customer's credit and debt situation, and charge handling fees ranging from 1% to 10% according to the difficulty of the loan.
For customers with high loan difficulty, the company will help them obtain bank loans by packaging personal credit records, bribing bank operators, and other methods. At present, the Law Enforcement Team of the Shanghai Municipal Market Supervision Bureau has launched an investigation into the consulting company's suspected illegal activities such as false advertising, illegal collection and use of personal information.
The Shanghai Municipal Bureau of Market Regulation stated that it will continue to pay attention to illegal activities related to loan intermediaries. Based on this, it will carry out "clearing the chain" actions in industries such as housing intermediaries, housing decoration, and educational institutions to address the concerns and concerns of the general public.
