14万变42万？“租机套现”暗藏高额债务，监管揭示套路

Core Insights - The article highlights the rising trend of "renting machines for cash" schemes, which are leading to significant financial distress for individuals involved [1][2][3] Group 1: Case Studies and Statistics - A case study of a woman named Jiang illustrates how she was lured into a "renting machines for cash" scheme, resulting in a debt of 420,000 yuan after initially cashing out over 140,000 yuan [1] - The article notes that since 2018, various platforms have been using illegal lending practices disguised as machine rentals, with over 100 such platforms identified and millions of registered users, primarily targeting university students [2] - In July 2024, a significant illegal lending case in Shanghai was reported, involving 15 arrests and over 20 million yuan in illicit funds [2] Group 2: Common Tactics and Risks - The article outlines four common tactics used in "renting machines for cash" schemes: high-interest packaging, hidden costs, misuse of personal information, and aggressive debt collection methods [3] - High-interest rates are often disguised as "premium rent" or "service fees," allowing lenders to circumvent regulatory limits on borrowing costs [3] - Consumers are advised to be cautious of marketing phrases like "0 down payment" and "low monthly rent," and to verify the legitimacy of lending institutions before engaging in any contracts [3]