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Article: Organized crime in cyberspace: How traditional organized criminal groups exploit the online peer-to-peer lending market in China

TitleOrganized crime in cyberspace: How traditional organized criminal groups exploit the online peer-to-peer lending market in China
Authors
Issue Date2021
PublisherOxford University Press. The Journal's web site is located at http://bjc.oxfordjournals.org/
Citation
The British Journal of Criminology, 2021, v. 61 n. 2, p. 303-324 How to Cite?
AbstractHow do traditional organized criminal groups run their offline businesses on the internet? Drawing on interview data, news reports and interactions with illegal moneylenders, this article examines how loan sharks use the online peer-to-peer lending market to lend money to Chinese students at exorbitant interest rates. Illegal lenders employ techniques of deception, the sharing of compromising information (e.g. social contacts and nude photos) and professional legal services to develop internet-based loan scams to trap student borrowers. To enforce loan repayment, lenders have developed a new strategy: relational repression, which is the use of cyberviolence and the threat of revealing damaging information to clients’ social contacts. This puts enormous pressure on clients and their families to make payments. The use of relational repression reduces the need to resort to physical violence and bribe police officers.
Persistent Identifierhttp://hdl.handle.net/10722/304298
ISSN
2020 Impact Factor: 3.236
2020 SCImago Journal Rankings: 1.404
ISI Accession Number ID

 

DC FieldValueLanguage
dc.contributor.authorWang, P-
dc.contributor.authorSu, M-
dc.contributor.authorWang, J-
dc.date.accessioned2021-09-23T08:58:04Z-
dc.date.available2021-09-23T08:58:04Z-
dc.date.issued2021-
dc.identifier.citationThe British Journal of Criminology, 2021, v. 61 n. 2, p. 303-324-
dc.identifier.issn0007-0955-
dc.identifier.urihttp://hdl.handle.net/10722/304298-
dc.description.abstractHow do traditional organized criminal groups run their offline businesses on the internet? Drawing on interview data, news reports and interactions with illegal moneylenders, this article examines how loan sharks use the online peer-to-peer lending market to lend money to Chinese students at exorbitant interest rates. Illegal lenders employ techniques of deception, the sharing of compromising information (e.g. social contacts and nude photos) and professional legal services to develop internet-based loan scams to trap student borrowers. To enforce loan repayment, lenders have developed a new strategy: relational repression, which is the use of cyberviolence and the threat of revealing damaging information to clients’ social contacts. This puts enormous pressure on clients and their families to make payments. The use of relational repression reduces the need to resort to physical violence and bribe police officers.-
dc.languageeng-
dc.publisherOxford University Press. The Journal's web site is located at http://bjc.oxfordjournals.org/-
dc.relation.ispartofThe British Journal of Criminology-
dc.rightsPost-print: This is a pre-copy-editing, author-produced PDF of an article accepted for publication in [insert journal title] following peer review. The definitive publisher-authenticated version [insert complete citation information here] is available online at: xxxxxxx [insert URL that the author will receive upon publication here].-
dc.titleOrganized crime in cyberspace: How traditional organized criminal groups exploit the online peer-to-peer lending market in China-
dc.typeArticle-
dc.identifier.emailWang, P: pengwang@hku.hk-
dc.identifier.authorityWang, P=rp01936-
dc.description.naturelink_to_subscribed_fulltext-
dc.identifier.doi10.1093/bjc/azaa064-
dc.identifier.scopuseid_2-s2.0-85102476611-
dc.identifier.hkuros325364-
dc.identifier.volume61-
dc.identifier.issue2-
dc.identifier.spage303-
dc.identifier.epage324-
dc.identifier.isiWOS:000637046100002-
dc.publisher.placeUnited Kingdom-

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