最高法揭示不法贷款中介违规套路：以“低息”为诱饵骗贷

Core Viewpoint - The article highlights the risks posed by illegal loan intermediaries who exploit consumers' urgent need for funds by offering low-interest loans, ultimately leading to high service fees and potential legal risks for consumers [1][3][6]. Group 1: Case Overview - A typical case was presented where an illegal loan intermediary contacted a consumer, Mr. Wang, promising a low annual interest rate of 3.8% for a personal business loan [1][4]. - Mr. Wang, in need of funds for his company, agreed to let the intermediary assist with the loan application, providing necessary documentation [1][5]. Group 2: Loan Process and Issues - During the loan process, Mr. Wang followed the intermediary's instructions when interacting with the bank, leading to loan approval [5]. - The intermediary charged a service fee of 10% of the loan amount, but Mr. Wang later discovered that the actual interest rate was significantly higher than promised, and the loan term was shorter than agreed, resulting in repayment difficulties [5][6]. Group 3: Mediation and Resolution - A financial dispute mediation organization investigated the case, confirming that the intermediary had no official relationship with the bank and that Mr. Wang had submitted his application independently [2][6]. - The bank maintained that the loan default was due to Mr. Wang's personal circumstances and initially rejected his request for a lower interest rate [6]. Group 4: Consumer Awareness and Recommendations - The case underscores the dangers of illegal loan intermediaries and the importance of consumer awareness regarding financial transactions [3][7]. - The Supreme Court emphasized that consumers should conduct transactions through legitimate financial institutions and thoroughly understand contract terms [7].