“套现”借钱给别人，小心犯法！

Core Viewpoint - The practice of "cashing out" loans through platforms like Alipay and WeChat, and then lending that money to others, is illegal and can lead to the invalidation of loan contracts and potential criminal charges [1][4][5]. Group 1: Legal Implications - The Beijing Second Intermediate People's Court reported that from 2022 to September 2025, it handled 172 cases related to the illegal practice of cashing out loans, with over 70% being recognized as loan extraction and re-lending [1][3]. - Contracts formed under the practice of cashing out loans are deemed invalid, and in cases of disputes, only the principal amount may be returned without interest [5][6]. Group 2: Risk Factors - Borrowers often face financial difficulties and seek help from lenders, who may overlook legal risks due to personal trust, leading to disputes when repayments are not made [3][5]. - Lenders may engage in complex schemes involving multiple credit cards to create "time gaps" for cashing out, which complicates financial tracking and can negatively impact credit scores [4][5]. Group 3: Regulatory Recommendations - The court emphasizes the need for individuals to resist engaging in illegal lending practices and to adhere strictly to credit card usage regulations [6]. - Financial institutions and regulatory bodies are encouraged to develop comprehensive risk prevention mechanisms and improve loan management capabilities to ensure the legality of loan purposes [6].