Core Viewpoint - A new type of "debt replacement" model has emerged, where loan intermediaries exploit the interest rate spread between bank consumer loans and online loans, leading to significant hidden costs for borrowers [1][5][6] Group 1: Debt Replacement Mechanism - Loan intermediaries are promoting services that claim to reduce online loan interest rates from 20% to as low as 3%, leveraging the interest rate difference between online loans (8% to 24%) and bank consumer loans [2][3] - Intermediaries use tactics such as "funding to pay off debts" and "packaging qualifications" to bypass bank risk controls, charging high fees that can amount to 15% to 20% of the loan amount [1][4] - The actual cost of these debt replacement services can lead to an increase in the borrower's total debt, with examples showing a rise from 280,000 to 350,000 yuan after fees [4] Group 2: Market Dynamics - The proliferation of these illegal debt replacement schemes is driven by intensified competition among banks and the widening arbitrage opportunities due to lower consumer loan rates [5][6] - Banks are under pressure to grow consumer loans, leading some employees to collaborate with loan intermediaries to meet performance targets, often involving "kickbacks" [6][8] - Some bank employees actively promote debt replacement services, indicating a troubling trend of banks lowering consumer loan thresholds and optimizing approval processes to capture market share [7][8] Group 3: Risks and Consequences - Borrowers engaging in these schemes face potential legal repercussions, including damage to credit scores and the risk of loans being recalled by banks if fraudulent information is provided [10][12] - The emergence of "non-good faith borrowers" could negatively impact banks' non-performing loan rates, with some banks already experiencing significant increases in bad loan ratios [11][13] - As of early 2024, eight banks reported consumer loan non-performing loan rates exceeding 2%, with one bank's rate skyrocketing from 4.44% to 12.37% within a year [13]
低息消费贷置换高息网贷?28万债务操作一次却涨至35万
Di Yi Cai Jing·2025-06-05 10:49