“砍头息”再现！315晚会曝光电子签高利贷 电子签放款人竟不是活人

Core Insights - The article highlights the rising concerns regarding the use of electronic signatures in online lending platforms, particularly focusing on high-interest loans and predatory lending practices [1][2] - It reveals that many borrowers are unaware of the true costs associated with loans facilitated through electronic signatures, leading to significant financial losses [1] Group 1: Electronic Signature Platforms - Electronic signature platforms like "借贷宝" and "人人信" are being used to facilitate high-interest loans, often resulting in borrowers receiving much less than the amount they signed for [1] - The platforms allow lenders to operate under false identities, making it difficult for borrowers to pursue legal action in case of disputes [2] Group 2: Borrower Experiences - Borrowers like 洪先生 and 王女士 reported receiving significantly lower amounts than what they borrowed, with 洪先生 receiving 3500 yuan instead of 5000 yuan and 王女士 receiving 14000 yuan instead of 30000 yuan [1] - The article emphasizes that the electronic signature agreements do not protect borrowers from high-interest rates and aggressive collection practices [1] Group 3: Platform Accountability - The business model of these platforms appears to prioritize profit over borrower protection, as they collect fees from borrowers while allowing lenders to evade responsibility [2] - The claim of "real-name authentication" on these platforms is deemed ineffective, as it does not prevent fraudulent activities [2]