TV news reported that a couple wanted to mortgage their apartment, but the bank told them that their credit was not good. It turned out to be one of them. The identity of the previous two years was stolen by someone to obtain a credit card and was maliciously overdrawn. When the bank urged them to repay, they learned that their identity was stolen, so they experienced a nightmare of "redressing grievances" for a year. the road. I thought the matter was resolved, but I didn't expect to have a record of "bad credit", and their nightmare would continue. It's really "not afraid of the sky, not the earth, just afraid of identity theft".
In the past few years, various media have reported countless times that someone’s identity was stolen by others and was “carded”. Of course, malicious overdrafts followed, and banks were rightly urging people to repay. The person whose identity has been stolen will sound like five thunders, dizzy, and frightened. Why do such inferior things continue to be banned repeatedly? The problem lies in the arbitrariness of banks in handling credit cards, which can be said to be overwhelming. It also lies in the ineffective supervision of the China Banking Regulatory Commission, negligence of duty and oversight, and blind spots that have caused innocent people to be wronged. In the early days of applying for credit cards, the procedures were strict enough. Not only did you have to have money, you also had to have a guarantor to come forward to guarantee it. This is more in line with the "actual credit" situation in the initial stage of socialism, and it will prevent more people from being "carded" for no reason. "live.
The hawkers set up stalls for their livelihood, and there is nothing wrong with them. Since ancient times, there has been the saying "Don't bully the hawkers". When banks set up stalls at the entrance of the supermarket, the entrance of the community, and the roadside to facilitate the card application and solicit business, this matter is unreliable. Think about it, you can do it with your ID card, and you can even do it on the spot with just a copy of your ID card, and you don't know whether it was picked up or stolen. This is quite frightening. As long as you are an adult, you have to use your ID card to do business, to find a job, to apply for all kinds of documents, to fly, and to need it at critical moments. Without this certificate, it's hard to do anything. So someone in charge of the personnel file took a copy of the identity card of the company's mate, and collectively went to apply for a "credit card". The incident happened. This unscrupulous person has long since taken advantage of it. In the end, only innocent people drank this pot of bitter water. The paradox is, how can this formal institution's bank, or a company that has entered the world's top five hundred, be so casual. They are not hawkers after all, so there is no need for such a livelihood.
Moreover, most of this identity theft happens to people who make a living outside the system, that is, the majority of vulnerable groups. Because they cannot do anything without their ID cards, they may be embezzled by unscrupulous people. Those who are in charge of personnel files in formal units are far from doing so. Adding up the cost of risk and income is not worth it. Only people outside the system will have such incidents more often. The poorer the person, the more unnecessarily risk they have to take. As a result, you can see that people who use telecommunications fraud have countless cards in their hands. I can't help asking why these unscrupulous people are so convenient to apply for a card, and who opens the door to them. Those who have been wronged take time and effort not to say, but they have to bear endless panic and risk. Shouldn't the bank take full responsibility? !
Hitchcock directed a "The Reunion" (also translated as "The Man Who Wrongly Arrested"). The male protagonist played by Henry Fonda is a performer. The inexplicable accusation was a robber a few days ago. Thus, he embarked on the long "road to redress grievances." The inner pain and squeeze can be imagined. This is the closest to reality in a Heath movie. Although absurd, it is shocking.
Two law professors from the University of California co-authored a book entitled "Justice in the Image", which stated well: "Hitchcock used superb cinematic techniques to portray this terrifying nightmare to life. Although this is true. We have set up numerous barriers to prevent tragedies from happening, but innocent people will always be accused of crimes and suffer unjustly. When this kind of wrongdoing occurs, it is almost impossible for a happy ending like "The Reunification" to happen. "The author's coldness and distrust of the American judicial system can be seen.
An ordinary citizen whose identity has been stolen by others is upsetting enough. Adding in the irresponsibility and insensitivity of the bank makes it even more chilling. The problem is that this chilling matter, I don't know when it will spread. As long as this does not happen to the banks and supervisors, they will not be surprised, and will continue to be wrong. Ordinary people can only pray that things like God's "stuck" don't happen to themselves. The "resignation" left by the ancestors will still become permanent inertia.
2009, July, 27
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