Core Viewpoint - The article highlights the increasing prevalence of illegal loan intermediaries in China, emphasizing the risks associated with their deceptive practices and the regulatory response to combat these financial crimes [1][8]. Summary by Sections Illegal Loan Intermediaries - Illegal loan intermediaries often disguise themselves as "bank channel departments" or "bank staff," promoting "no collateral, no guarantee loans" while using enticing offers of "high returns, low risk" and "quick approval" to attract consumers [1][3]. - These intermediaries typically charge high fees under various pretenses, such as "service fees" and "evaluation fees," which are often non-refundable once paid [3][4]. Consumer Cases - A case reported by a bank involved a consumer who was misled into paying multiple fees for a loan that could have been obtained through official channels without any additional costs [3]. - Another case involved a consumer who was promised a low-interest loan but was later asked to pay a "deposit" due to alleged credit issues, resulting in financial loss when the promised loan terms were not honored [4]. High-Risk Financial Operations - Some illegal intermediaries promote risky financial operations, such as "zero down payment home purchases," which can lead to significant financial burdens for consumers [6][7]. - These operations often involve inflating property values to secure larger loans, putting consumers at risk of default and potential legal consequences [7]. Regulatory Response - The rapid growth of financial black and gray markets has led to a tenfold increase in financial losses since 2021, with the scale reaching hundreds of billions [9]. - Regulatory bodies have intensified their crackdown on financial crimes, with joint actions between financial regulators and law enforcement agencies aimed at dismantling these illegal operations [8][9].
破暗 | 拆解非法贷款中介套路,多部门联合围剿金融黑灰产
2 1 Shi Ji Jing Ji Bao Dao·2025-05-15 13:32