女子称贷款100多万中介收31万！帮主郑重：“AB贷”套路到底有多深？

Core Viewpoint - The article discusses the alarming case of a woman, Ms. Wang, who was charged an exorbitant service fee of 310,000 for a loan of 1 million, highlighting the dangers of predatory lending practices, particularly the "AB loan" scheme [1][3]. Group 1: Understanding "AB Loan" - "AB loan" is not a legitimate financial product but a common predatory lending tactic where intermediaries involve two parties: A, who has poor credit but needs a loan, and B, who has good credit and acts as a guarantor [3]. - The intermediary often charges high fees under various names, such as "packaging fee" or "service fee," and may even intercept part of the loan amount [3]. Group 2: Case Analysis - Ms. Wang's situation, where she took out four loans with the help of four colleagues, aligns with the characteristics of an "AB loan," suggesting potential complicity or awareness on her part regarding the arrangement [3]. - The standard service fee for legitimate financial services typically ranges from 1% to 5% of the loan amount, making the 31% fee charged to Ms. Wang excessively high and indicative of a scam [3]. Group 3: Warnings and Recommendations - The incident serves as a cautionary tale for individuals in urgent need of funds to avoid hasty decisions and to be wary of intermediaries that promise low interest rates and quick loans while employing deceptive practices [3]. - Legitimate loan services should have transparent fees and compliant processes, without requiring clients to recruit others to assist in obtaining loans [3].