600万贷款被扣近百万服务费？北京金融监管局亮剑非法存贷款中介 三大套路撕开金融“黑灰产”假面

Core Viewpoint - The article highlights the rampant issue of illegal loan intermediaries in the financial services sector, urging consumers to be cautious and avoid falling into traps that could harm their credit and financial standing [1][12]. Group 1: Illegal Loan Intermediaries - Illegal loan intermediaries have become a significant problem in the financial market, employing deceptive practices that not only inflate financing costs but also pose systemic financial risks [6][12]. - Common tactics used by these intermediaries include false marketing promises of low-interest loans, illegal packaging of loan applications, and the implementation of "trap loans" that lead to excessive fees and debts for borrowers [6][9][12]. Group 2: Case Study - A case involving a business owner, Mr. Wu, illustrates the dangers of engaging with illegal intermediaries. Initially promised a service fee of approximately 120,000 yuan (2% of a 6 million yuan loan), he ended up being charged nearly 1 million yuan, significantly reducing the actual funds received [3][4]. - Despite efforts to recover some of the lost funds through legal channels, the financial burden and debt left by the intermediary's actions continue to affect Mr. Wu [4]. Group 3: Regulatory Response - The Beijing Financial Regulatory Bureau has intensified efforts to combat illegal loan intermediaries, implementing a series of measures aimed at protecting consumers and ensuring compliance among financial institutions [12][13]. - Regulatory bodies across various regions, including Hubei, Henan, and Shenzhen, have issued warnings and initiated special operations to address the risks posed by these intermediaries [13][14]. - Major banks have also taken steps to clarify their positions, stating they do not collaborate with illegal intermediaries and warning consumers against false claims of guaranteed loans or reduced rates [13][14].