监管提示六种非法贷款中介陷阱

Core Points - The Beijing Financial Regulatory Bureau has issued a consumer risk warning regarding the rise of illegal loan intermediaries, which have become a major manifestation of "black and gray industries" in the financial sector [1] - These illegal intermediaries use deceptive practices such as false promises and malicious debt stacking, harming consumers' rights and increasing financing costs while disrupting market order and heightening financial risks [1] Summary by Categories Illegal Loan Intermediary Traps - Common traps identified include misleading contract signing, where intermediaries obscure unfavorable terms and mislead consumers into signing contracts without clear information on loan rates and repayment dates [1] - Low-interest bait is used to attract consumers with annual rates around 2% to 3%, only to later impose high fees exceeding 10% or even 20% under various pretexts [1] Specific Scams - The AB scheme involves requiring a friend or relative to apply for a loan on behalf of the actual borrower, who then bears the repayment risk if the original borrower defaults [2] - The "professional debt" scam lures individuals with promises of high returns and no repayment obligations, leading to fabricated loan applications that ultimately leave the borrower with the debt [2] - Post-loan scams involve intermediaries contacting consumers under the guise of bank management, demanding immediate repayment under false pretenses, often resulting in high service fees [2] - Malicious information queries target consumers with good credit, leading to unnecessary loan applications that increase their credit inquiries and complicate future borrowing [2] Consumer Advice - The Beijing Financial Regulatory Bureau advises consumers to be vigilant, avoid deception, choose legitimate institutions, protect their privacy, ensure safety, and uphold their legal rights [3]