CCTV News:Pretending to be an acquaintance to borrow money, pretending to be a public security bureau, a procuratorate or a court officer to investigate a case, and hiding a Trojan link &hellip in short messages and QR codes; … These tricks must have made everyone immune, but do you know? Some telecommunications services that you have never heard of have also begun to become new traps set by scammers!

The mobile phone was locked and more than 50,000 yuan was stolen.

　　When he woke up, Mr. He in Shenzhen found that his mobile phone was locked. At the same time, a shopping platform account was stolen by strangers. Criminals used white bars to spend and apply for loans, and robbed more than 50,000 yuan overnight.

　　Later, Mr. He discovered that his mobile phone had been taken over by a strange number. The short message from the operator shows that this is a business to add a secondary number, and Mr. He’s mobile phone number was added as a secondary number by criminals. When the secondary phone is turned off, all short messages will be received by the primary phone, and criminals will receive Mr. He’s short message verification code during this period, and then commit crimes.

"Subnumber" ≠ "kinship number"

　　Without an ID card, a bank card or even a real name, the money is gone. What the hell is a minor number?

　　Many people think of "family number" at first, but "deputy number" and "family number" are not the same thing.

　　Family number usually refers to the phone bill package opened by different owners and different numbers in order to make calls between them cheaper, and the secondary number is the "one card with many numbers" service provided by operators. On the basis of not changing mobile phones and SIM cards, users can add up to three real mobile phones as secondary numbers. The main and auxiliary numbers can stand by at the same time, and you can freely choose any number to dial, answer the phone and send and receive short messages as needed.

Don’t reply to text messages too casually.

　　Then, how did Mr. He’s mobile phone number become the "secondary number" of criminals?

　　Reduction of criminal modus operandi

　　Step 1: Buy materials.Criminals buy leaked names, bank card numbers, ID numbers and reserved mobile phone numbers online, commonly known as "four big pieces".

　　Step 2: Fishing.Criminals apply to the users who have mastered the bank card information, initiate the business application of binding the sub-number, and find the target of the crime by casting a net widely. Once you reply by mistake, you are hooked.

　　Step 3: Forced shutdown.Because the main number can only take over the SMS when the secondary number is turned off, criminals usually use two means at this time. One is to use SMS bombing to force the target to turn off the mobile phone, and the other is to use the mobile phone cloud service to remotely operate the mobile phone.

　　Step 4: White Wolf with Empty Gloves.Using the SMS verification code received by the main number, criminals ransacked the online shopping account bound to the mobile phone number.

　　Patterns are stacked, and it is impossible to prevent them! For this kind of fraud, after receiving all kinds of SMS notifications, you must read the content of the SMS clearly and do not reply at will.

"SMS custody" business is also not very secure.

　　After the SMS storage service is opened, you can save your mobile phone messages on the server of the operator. Now, many mobile phone manufacturers’ cloud services are doing the same thing. However, this is a hidden danger function.

　　Case review

　　One morning, Miss Ding saw two short messages from banks and mobile phone operators on her mobile phone, which were sent at 3:43 am and 4:12 am respectively. As soon as the account is checked, the balance of more than 100,000 yuan will be zero overnight! Not only that, Miss Ding also suffered a credit card theft and was "applied" for a bank universal loan of 70,000 yuan.

　　How on earth did all this happen?

　　Reduction of criminal modus operandi

　　Step 1: Hit the database to get all kinds of account information.The so-called "library collision" means using software to try a high probability digital sequence. Using this simple and rude method, the user’s network identity, online banking account number, mobile phone business hall and other accounts can be seen at a glance. Insiders said: "The speed of library collision is very fast, at least thousands per minute. If some good equipment is used, the efficiency is higher and the success rate is above 50%."

　　Step 2: Open SMS storage and SMS interception services to obtain verification code.This is the most critical step. After the opening of this service, the dynamic verification code to ensure the safety of landing has successfully become the bag of criminals.

　　Step 3: Open the physical SIM card.At this point, criminals can pretend to be victims and apply for 4G card replacement service in the online business hall. For the convenience of the people, some operators can express the card directly to the designated address.

　　By intercepting short messages and copying SIM cards, fraudsters can "do whatever they want".

　　As we all know, many important services rely on mobile phone authentication. If you back up the SMS to the server synchronously, it will increase the exposure opportunity. Once the service password of the online business hall is stolen, or the login permission of the cloud service is stolen, it is equivalent to "swimming naked".

The loopholes in the unpopular business are targeted by scammers.

　　The "Research Report on the Trend of Online Fraud in 2016" released by the anti-fraud reporting platform "Hunting Network Platform" proposes that since 2016, online fraud has mainly shown several obvious characteristics:

　　Mobile phone cards have become new theft targets;

　　Jump to the phishing website by using short URL and weiyun sharing link;

　　Well-known recruitment websites and voice platforms for open recruitment;

　　A phishing website that is difficult to distinguish between true and false;

　　The implementation of precision fraud;

　　Fraud professionalism is getting higher and higher;

　　Using loopholes in new business and unpopular business to commit fraud;

　　Use cloud disk and synchronization software to steal information.

　　Among them, the loopholes in mobile phone cards and unpopular business are mentioned.

　　Security experts suggest that we should develop good online habits, don’t click unfamiliar links, don’t fill in our personal information in the website interface with unknown security, and regularly modify the password of social accounts to avoid information such as mobile phone contact information being leaked; Improve safety awareness, develop good habits of using mobile phones, and avoid being infected by mobile phone viruses.

　　Recently, the real estate market has received more attention. On the one hand, the growth rate of real estate loans continues to decline, on the other hand, mortgage interest rates in various places have increased to varying degrees. How will the regulatory policy be promoted? Will mortgage interest rates continue to rise? In response to the above hot topics, the reporter interviewed a number of industry experts.

　　Supervision and intensive inspection of real estate financing

　　Since the beginning of this year, under the main tone of the policy of "housing and not speculating", real estate financing has continued to tighten. The report on the implementation of monetary policy in China in the second quarter recently released by the People’s Bank of China shows that by the end of June, the balance of real estate loans of major financial institutions (including foreign capital) in China was 41.9 trillion yuan, up 17.1% year-on-year, and the growth rate was 1.6 percentage points lower than that at the end of March. Among them, the balance of individual housing loans was 28.06 trillion yuan, up 17.2% year-on-year, and the growth rate was 0.3 percentage points lower than that at the end of March.

　　These changes in the field of mortgage are closely related to regulatory policies. In May, the Ministry of Housing and Urban-Rural Development issued an early warning to Foshan, Suzhou, Dalian and Nanning, where the price index of newly-built commercial housing and second-hand housing has increased significantly in the past three months, and some cities with overheated property markets have stepped up regulation. Affected by this, mortgage interest rates in a few popular cities rebounded.

　　According to the latest monitoring data released by Rong 360 Big Data Research Institute, the average interest rate of the first home loan in July was 5.44%, equivalent to 1.11 times the benchmark interest rate, up 2 basis points from the previous month; The average interest rate of second-home loans was 5.76%, up 1 basis point from the previous month. From the data point of view, the national mortgage interest rate level rebounded in the second half of the year.

　　In the second half of the year, the trend of stricter supervision became more obvious. At the end of July, the Political Bureau of the Communist Party of China (CPC) Central Committee held a meeting to plan the economic work in the second half of the year, and made it clear that the house should be used for living, not for speculation, and the long-term management mechanism of real estate should be implemented, and real estate should not be used as a short-term means to stimulate the economy.

　　Subsequently, the regulatory authorities acted intensively, tightening real estate financing from banks, trusts, open market bonds and other aspects. Recently, China Banking and Insurance Regulatory Commission launched a special inspection of bank real estate financing, focusing on the management of real estate development loans and land reserve loans in 32 cities, and severely investigated and dealt with all kinds of illegal acts of diverting funds into the real estate industry.

　　While the financing of real estate enterprises has been significantly tightened, the supervision of personal housing credit business has also been further strengthened. The recent symposium on the adjustment and optimization of credit structure of banking financial institutions held by the central bank proposed to maintain a reasonable and moderate growth of personal housing loans, and it is strictly forbidden to use consumer loans for buying houses illegally. China Banking and Insurance Regulatory Commission began to check the implementation of differentiated credit policies of banks, implemented the minimum down payment ratio and loan restriction policy requirements, performed the assessment and inspection of the authenticity of down payment funds and the solvency of loan applicants, and focused on investigating the misappropriation of personal comprehensive consumer loans, business loans, "down payment loans", credit card overdrafts and other bank credit funds in the real estate sector.

　　Interest rates in many places have risen to varying degrees.

　　It is worth noting that the monitoring data of Rong 360 Big Data Research Institute shows that the trend of mortgage interest rates in first-tier cities and second-tier cities in July is quite different.

　　Among the first-tier cities, the mortgage interest rates in Beijing and Guangzhou were the same as last month, while the average level in Shanghai and Shenzhen declined. Among them, many banks in Shanghai lowered the mortgage interest rate, which led to a decrease of 7 basis points in the first home loan interest rate in Shanghai, second only to Haikou, making it the second largest city in China. In second-tier cities, mortgage interest rates in several popular areas have risen. Among them, Suzhou, Hangzhou, Ningbo, Dalian and Changsha have accelerated the frequency of adjustment, and have recently raised the mortgage interest rate more than once, and some banks have tight quotas and even suspended accepting mortgage business.

　　In this regard, Ceng Gang, deputy director of the National Finance and Development Laboratory, thinks that we should look at it differently. First of all, not all urban mortgage interest rates are rising, which shows that policy regulation is accurate, because normal credit should exist. Secondly, it is not necessary to increase the mortgage interest rate. The key is to block the illegal entry of funds into the real estate sector.

　　"In the environment of tightening policies, commercial banks tend to be cautious about personal housing loan business." Dong Ximiao, deputy dean of Chongyang Financial Research Institute of Renmin University of China, said that after the large-scale credit supply in the first half of the year, the credit line was relatively small in the second half of the year, and an appropriate increase in interest rates would help banks improve their income level. At the same time, in recent years, the leverage ratio of China’s residential sector has risen rapidly, and real estate financial risks are accumulating. Raising the loan interest rate will help commercial banks to better guard against housing loan risks.

　　Dong Ximiao said that in the case that the market liquidity is still reasonable and abundant, although the interest rate of individual housing loans may be further raised, the increase will not be too large. "However, different banks have different positioning for personal housing loan business, and the credit resources invested for this purpose are quite different, so there will be obvious differentiation in the loan interest rate. It is expected that the personal housing loan interest rate of large commercial banks will maintain a moderate upward trend." He said.

　　Implement differentiated housing credit policies

　　"In combination with recent policies, banks will adjust their credit structure in the future to reduce the credit resources occupied by the real estate industry and invest more credit funds in manufacturing, small and medium-sized enterprises and other fields encouraged by the state." Li Wanfu, an analyst at Rong 360 Big Data Research Institute, said.

　　At the same time, industry experts believe that commercial banks should continue to implement differentiated housing credit policies. Dong Ximiao said that we can start from four aspects. First, adjust the total amount of loans and reasonably determine the total amount of personal housing loans of banks; The second is to adjust the loan price and raise or lower the interest rate of individual housing loans; Third, adjust the loan conditions, tighten or relax the loan qualification conditions (including loan qualification and loan term) of the main body of the house purchase; The fourth is to adjust the down payment of loans and control the leverage ratio of buyers.

　　"In the next step, we should comprehensively use the above four means according to the different purchase areas and subjects, combining quantity and price, adjusting the total amount and price, meeting the rigid demand and restraining investment speculation, focusing on the present and guiding expectations, and implementing the differentiated housing credit policy." Dong Ximiao said.

　　Regarding the strict investigation of "down payment loan" by the regulatory authorities, Ceng Gang said: "Down payment is one of the means of bank risk control, because self-owned funds are an important standard to measure repayment ability. If the customer’s down payment is borrowed, then the bank’s risk exposure will be great. "

　　In addition, some experts have warned that paying attention to the entry of credit funds into the property market should not only focus on commercial banks and consumer finance companies. Various Internet lending platforms monitor the flow of funds less, and the proportion of entering the property market may be higher.

　　"We should continue to intensify the clean-up and rectification of various Internet platforms, and strengthen the monitoring of their lending business in terms of lending purposes and capital flow." Dong Ximiao said that monitoring the flow and use of credit funds is a long-standing problem for both financial institutions and Internet platforms. Relevant institutional measures should be revised to incorporate fictitious loan purposes and misappropriation of credit funds into the credit information system, increase the illegal cost of borrowers, and curb the illegal flow of personal credit funds into the property market from the source.

　　(Reporter Qian Wei Intern Zhang Ziyue)

　　[Car History] When it comes to its classic models, I’m afraid there is no one who doesn’t know the name except the familiar ones. The Beatles laid a solid foundation for the Volkswagen brand, and Dave became the spiritual and material double pillar of the Volkswagen Group. Just like the popular saying that "with golf (), there will be all models of the public", golf has become synonymous with the public. Since its birth in 1974, after 39 years of development, today’s golf has evolved into the seventh generation. Although most people have already memorized the history of golf, it doesn’t prevent you from revisiting the legendary development history of this Volkswagen classic model again, and maybe you can gain something new.

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The background of golf: replacing the exhausted Beetle (Volkswagen EA-276 prototype)

　　Although the Beetle has brought great honor and benefits to the public, it has not changed much since it was officially born in 1938. At the end of 1960s, the sales volume of the Beetle dropped sharply. Volkswagen knew that the exhausted Beetle could not meet the people’s demand for the "national car" in terms of technology and the utilization of the interior space, and the successor to develop the "national car" was officially put on the agenda. In 1969, two prototypes, EA-266 and EA-276, were born one after another. Because EA-266 was placed in the lower rear seat, it was quickly eliminated by the noise and smell from the engine, while EA-276 with layout was successfully promoted. The car was equipped with a 1.5-liter horizontally opposed four-cylinder engine with 44 horsepower, and its square shape was probably not very pleasing. This is the prototype of Volkswagen Golf.

Note: Many people mistakenly think that the name of Golf comes from Golf. In fact, the naming method of Golf follows the consistent style of Volkswagen, that is, many of its models are named after the wind, as we know, Santana and others, and Golf comes from a warm current in the Gulf of Mexico.

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The First Generation Golf Mk1(Typ 17)——1974-1983
Classic, the first "hatchback"

　　In May 1974, the first generation of golf officially entered people’s sight. Compared with the slightly rigid shape of EA-276 prototype, the "origami" design concept put forward by Italian car designer Giorgetto endowed the first generation of golf with an indelible classic shape. Maybe you don’t like its square-headed, square-brained shape, but when you look at it again today, you will find that this simple line is so intriguing. The whole plastic air intake grille is inlaid with two round headlights, and the front bumper hanging on the front of the car is shaped like a chopstick. Although it is a new "national car", chrome decoration is still full of air intake grille, bumper edge and body waist line. (Click to enter the biography of Giorgetto, the master of automobile design)

　　The first generation golf adopted the same hatchback shape as the prototype EA-276, and the concept of "hatchback" was first applied by golf and introduced into the field of automobile design. Compared with the prototype, the angle of the trunk cover of golf is more inclined. "Chopsticks" are always a pair, not one. Except for the turn signals on both sides of the front bumper, the front and rear bumpers are strikingly similar in size and shape, and the prominent wheel eyebrows make their simple shape have a sense of hierarchy. The first generation of golf is divided into two types: two-door hatchback and four-door hatchback. Taking the golf hatchback version as an example, its vehicle size is 3705mm long, 1610mm wide, 1395mm high and 2400mm high, and its weight is only 790kg.

　　The interior design of the first generation golf seems a bit too simple as its modeling. The Volkswagen "Wolfsburg" logo was placed in the center of the two-spoke steering wheel. The left side of the double-barrel instrument panel was not a tachometer, but a "disguised" clock. The water temperature and fuel gauge were located at 12 o’clock and 6 o’clock respectively, and the right side was a speedometer. The only thing that can make people shine in the car is the silver plaque on the center console. A large area under the T-shaped area of the center console has been ruthlessly wasted. Interestingly, the gear sign is placed above the cigarette lighter near the co-pilot’s side. For beginners, this design will inevitably make people crazy.

　　The first generation of golf adopts the structure of front and back half. Compared with the previous "national car" Beetle, golf has been greatly improved in maneuverability and practicality. The configuration of the first generation golf can only be considered enough. All you can see in the car are simple and practical configurations such as radio, air conditioner and hand-cranked window. In addition, Volkswagen also equipped the first generation of golf with front wheel disc brake system and rear wheel drum brake system. These configurations may not be worth mentioning at present, but as the successor of the Beatles, the overall quality of golf is still satisfactory.

　　In terms of power, the first-generation golf, which was originally launched, was only equipped with a 1.1-liter inline four-cylinder engine, with a maximum of 50 horsepower and a maximum of 78 N m. Since then, Volkswagen has successively launched golf models with 1.3 liters, 1.5 liters, 1.6 liters, 1.7 liters, 1.5 liters and 1.6 liters. Among them, the 1.6-liter inline four-cylinder gasoline engine has a maximum power of 86 HP (63kW)/5600rpm and a maximum torque of 127 N m/3200 rpm, which is matched with the engine at 4, 5 and 3 speeds.

　　In March, 1975, the first generation of sports golf model-Golf GTI appeared, and it was officially listed in June, 1976. The first generation of GTI also has two models, three-door and five-door hatchback, for consumers to choose from. The original intention of GTI is to let consumers enjoy driving even if they buy economical cars. In order to be different from ordinary golf, GTI, as a sports model, has made some optimization in appearance details, the most obvious of which is a circle of red decorative lines on the periphery of the front air intake grille, with a black Volkswagen logo in the center, the "GTI" on the side is particularly conspicuous, and the front and rear bumpers are also chrome-plated. At the same time, the plastic black spoiler under the front of the car complements the black wheel eyebrows, which further highlights the exclusive sense of GTI.

　　Volkswagen has rendered the sporty atmosphere of the first generation GTI interior to the extreme. The monotonous two-spoke steering wheel on the regular version was replaced by a three-spoke competitive steering wheel with the logo of Wolfsburg. What about the clock on the left side of the original dashboard? For GTI, which pursues sports, the tachometer is more pragmatic. In order not to destroy the overall color of the interior, the silver center console panel has also been changed to black. Before, the sealed part under the center console was changed into a storage space. The oil temperature gauge on the left side below also reminds you at all times that this is a sporty car, and the forgotten clock is placed on the right side of the oil temperature gauge. The most exciting thing for fans is the Golf ball-shaped stopper. Is this to match the name of Golf? Who cares! What fans are after is an excellent feel.

　　A sporty appearance alone is definitely not enough for fans to pay for it willingly. The first generation GTI is equipped with a 1.6-liter inline four-cylinder naturally aspirated fuel injection engine, with a maximum power of 110 HP (81 kW)/6,100 rpm and a maximum torque of 140 N m/5,000 rpm. For a GTI weighing only 810kg, its acceleration time of 0-100km/h is only 9.2. Low vehicle weight, solid chassis and strong power make GTI known as "". With the success of the first generation of golf GTI, other manufacturers have also launched their own "small steel cannon" models, and golf has once again become the leader of the new trend in the industry.

　　The original intention of Volkswagen to launch golf GTI is only to participate in the competition. Volkswagen originally planned to produce 5,000 golf GTIs to meet the qualification of production cars stipulated by the competition. I never thought that the first generation of golf GTI would be sought after by fans as soon as it was launched, so Volkswagen continued to increase production to meet the market demand for this "small steel gun". Since its birth in 1975, the first generation of golf GTI has produced about 530,000 sets, which has since established GTI’s unshakable position.

　　As the sales of the first generation of golf are rising, it has increased the confidence of the public in developing new models. In 1979, the golf convertible version derived from the first generation of golf was officially unveiled. The birth of the golf convertible made people realize that the original economical car can be so romantic. The first-generation golf convertible version uses a soft-top convertible that can be folded manually, and the horizontal position of B-pillar can effectively increase the strength of the whole vehicle. Volkswagen has made some modifications to the front and rear bumpers of the first-generation golf convertible version, and the black plastic decoration added to the rear license plate position makes the rear of the car look less monotonous.

　　In 1975, Volkswagen introduced the first generation of Golf to the North American market and assembled it in the Volkswagen westmorland factory in the United States. The American version was named Rabbit instead of Golf. In order to comply with safety regulations, Rabbit has adopted an "extended" bumper, which is also a major feature of European models entering the North American market. Due to the use of soft suspension and too cheap materials, the quality of Rabbit is extremely unstable, which also makes the German public angry. In 1980, North American Volkswagen introduced a modified model of Rabbit, which changed the original round headlights into a square style, while the convertible version of Rabbit still used round headlights.

　　In 1981, Volkswagen launched the Rabbit version, a derivative model of Rabbit. The car adopts a double-door design, and the wheelbase is lengthened and then equipped with a rear cargo compartment. If you are used to the ordinary version of the car and look at the pickup version, you will find it very different. The dimensions of the Rabbit pickup truck version are 4380mm long, 1640mm wide, 1490mm high and 2625mm wheelbase. In 1983, Volkswagen introduced Rabbit GTI. Unlike Golf GTI, Rabbit GTI equipped with a 1.8-liter inline four-cylinder engine has only 91 horsepower (67kW), which obviously does not meet the definition of "small steel gun". Rabbit GTI exported to Canada is all made in Germany, equipped with a 110 HP (82kW) 1.8-liter inline four-cylinder engine.

　　In 1983, Volkswagen introduced the first generation of small modified golf models. The most striking feature of the modified golf is the "four-eye" headlights, which are more full in taillight style and more in line with the trend at that time. Interestingly, the first generation of golf convertible was not modified until 1988. Except for the four-round headlights, the new bumper with the same color as the car body is more full, and the application of side skirts makes the visual effect of the whole car lower. Many improvements have made the modified golf convertible look energetic.

　　Compared with the North American version of golf, the South African version of golf-Volkswagen Citi is even more "wonderful". The car has three power combinations, namely 86 horsepower 1.4 liters, 102 horsepower 1.6 liters and 124 horsepower 1.8 liters in-line four-cylinder engines. From 1984 to 2009, it was officially discontinued. After repeated "face-lifting" production, although the interior design of Volkswagen Citi keeps pace with the times, its appearance will always maintain the original essence of the first generation of golf, and the Rabbit pickup truck model in North America market was named Caddy for production in South Africa. During the 25-year production cycle, a total of 377,484 Volkswagen Citi rolled off the production line. In Mexico, the first generation of golf was named Caribe for sale. From its birth in 1974 to its discontinuation in 1983 (Citi didn’t discontinue production until 2009), the first generation of golf sold a total of 6,780,050 sets worldwide. Such impressive sales laid a solid foundation for its future development, and the new "national car" also gained a firm foothold.