大力整治非法存贷款中介

Core Viewpoint - The rise of illegal loan intermediaries has become a significant issue in the financial sector, prompting regulatory bodies to warn consumers to be vigilant and avoid falling into traps set by these intermediaries [1][2]. Group 1: Issues with Illegal Loan Intermediaries - Illegal loan intermediaries exploit borrowers' desires for favorable terms and urgent financial needs, using complex and hidden methods to lure them into traps [1]. - These intermediaries often falsely claim to have partnerships with banks to offer "internal discounts," leading borrowers to incur unexpectedly high costs due to exorbitant service fees [1]. - Some intermediaries target small and micro enterprises with insufficient credit, assisting them in fabricating loan application materials to fraudulently obtain bank loans, resulting in borrowers becoming "professional debtors" [1]. Group 2: Regulatory Response and Measures - The illegal activities of loan intermediaries not only violate consumer rights but also disrupt the financial market order, necessitating strict regulatory actions and a crackdown on these practices [2]. - Banks must take responsibility for their role in facilitating loans to illegal intermediaries, as some have engaged in collusion with these entities, undermining the integrity of the lending process [2]. - Financial management departments are encouraged to utilize big data analysis and regular oversight to identify and eliminate illegal loan intermediaries, ensuring that banks are closely monitored to prevent further losses [3]. Group 3: Collaborative Efforts for Governance - A coordinated approach involving central and local authorities is essential to effectively combat illegal loan intermediaries, with a focus on source governance and the connection between administrative and criminal actions [3]. - There is a need to enhance the handling of harmful financial information online and to impose strict penalties on banks' internal collaborators who facilitate these illegal activities [3].