金融监管总局发布风险提示：防范虚假宣传诱导网络贷款

Core Viewpoint - The National Financial Supervision Administration has issued a risk warning regarding fraudulent practices by certain institutions or platforms that mislead consumers into online loans, leading to significant financial burdens and potential legal disputes for consumers [1] Group 1: Fraudulent Practices - Misleading concepts are used to confuse loans, where terms like "installment payment" are substituted for "installment loans," leading consumers to sign contracts without fully understanding the terms [2] - False promises are made to entice loans, including exaggerated claims about guaranteed approvals and government aid, often resulting in contracts with unfavorable terms for consumers [2] - Actual loan costs are concealed, with only low surface rates advertised while higher actual rates and additional fees are hidden, leading to excessive borrowing [3] Group 2: Consumer Protection Recommendations - Consumers are advised to scrutinize promotional content carefully, recognizing that enticing offers may hide significant fees and risks [4] - Verification of institutional qualifications is essential, with a recommendation to choose reputable institutions and check their credentials through official channels [4] - Clear understanding of contract terms is crucial, with consumers urged to read contracts thoroughly and be cautious of vague clauses, especially regarding fees and refund policies [4] - Personal information should be kept confidential, with consumers encouraged to protect sensitive data and monitor for any unusual account activity [5]