“猫贷”背后藏猫腻（社会杂谈）

Core Insights - The pet economy in China is rapidly growing, with the industry scale reaching 592.8 billion yuan in 2023 and expected to reach 1.15 trillion yuan by 2028 [2] - The concept of "free adoption" is being exploited by some businesses, leading to financial traps for consumers, such as signing loan contracts under the guise of pet adoption [1][2] - Regulatory bodies need to enhance oversight and establish clear guidelines to protect consumer rights and differentiate between commercial sales and public welfare adoption [2][3] Group 1: Industry Challenges - The phenomenon of "cat loans" highlights the lag in industry regulation and the ambiguity in legal definitions regarding pets as special goods [1] - Some businesses are taking advantage of regulatory gaps by providing substandard pets and misleading health reports, complicating enforcement actions [1] - Consumers face significant challenges in asserting their rights due to the complexity of legal terms and the difficulty in providing evidence in disputes [1] Group 2: Regulatory Recommendations - Regulatory agencies in various regions, such as Shanghai and Jiangsu, have begun issuing consumer advisories and recommendations for pet adoption [2] - It is suggested that businesses should not impose unreasonable loan terms and should be prohibited from false advertising and consumer inducement [2] - The establishment of a clear boundary between commercial sales and public welfare adoption is essential for consumer protection [2] Group 3: Industry Self-Regulation - The pet industry association should lead the development of standard adoption contracts that clarify health responsibilities and product quality standards [3] - Platforms should enhance merchant qualification reviews and establish a credit evaluation system to blacklist violators [3] - A healthy development of the pet economy requires legal backing, industry standards, and rational public engagement to ensure that "free adoption" remains a compassionate act [3]