12万贷款服务费变百万！监管曝光非法中介三大套路

Core Viewpoint - The article highlights the rise of illegal loan intermediaries exploiting the urgent financial needs of businesses and individuals, leading to significant financial losses through deceptive practices and exorbitant service fees [1][2]. Group 1: Case Study of a Business Owner - A business owner, referred to as Wu, was lured by a loan intermediary's promise of low-interest loans and minimal service fees, ultimately leading to a service fee of nearly 1 million yuan instead of the initially promised 120,000 yuan [2]. - The intermediary used illegal methods such as transferring shell companies and fabricating loan application materials to secure a loan of over 6 million yuan for Wu, who only received about 5 million yuan after the service fees were deducted [2]. Group 2: Common Tactics of Illegal Loan Intermediaries - The article outlines three main tactics used by illegal loan intermediaries: 1. False marketing and low-interest temptations, claiming partnerships with banks and offering loans with high limits and low rates while charging high service fees [3]. 2. Fraudulent packaging for loan applications, targeting underqualified small businesses and fabricating necessary documentation to deceive banks [3]. 3. Implementation of "loan scams," where borrowers are induced to sign inflated loan contracts and face various traps and coercive tactics to extract more money [3]. Group 3: Regulatory Response - Regulatory authorities, particularly the Beijing Financial Regulatory Bureau, are intensifying efforts to combat illegal loan intermediaries, emphasizing a "strong responsibility, full coverage, and severe crackdown" approach to protect consumers [4][5]. - Measures include holding banks accountable for their lending practices, conducting thorough investigations to identify illegal intermediaries, and fostering collaboration between central and local authorities to address the issue comprehensively [5].