“分期商城”“融资担保”模式成高息网贷新“马甲”，放贷主体或面临刑事风险

Core Viewpoint - The emergence of high-interest online loans that circumvent the 24% interest rate cap poses significant risks to consumers and may lead to criminal liability for lending platforms [1][6]. Group 1: High-Interest Loan Practices - Various platforms, such as Xiaoxiang Youpin and Luyouxuan, are offering consumer installment products at prices significantly above market value, effectively raising the borrowing costs for users [2][3]. - Some lending models utilize multiple disguised apps to provide high-interest loans to high-risk borrowers, with actual annualized interest rates reaching 300% to 500% [3][6]. Group 2: Regulatory Evasion - Many lending platforms are attempting to evade regulations by changing their operational identities while continuing to offer products with interest rates exceeding 24% [2][5]. - The "installment mall" model is criticized for breaching interest rate regulations and potentially engaging in price fraud against consumers [6][7]. Group 3: Legal Implications - Lending platforms that exceed the 24% interest rate cap may face criminal charges under laws governing illegal lending practices [5][6]. - The new lending regulations emphasize that all fees, including guarantee fees, must be included in the total financing cost, which should not exceed the legal interest rate cap [5][6]. Group 4: Consumer Protection - Consumers are advised to carefully review contract terms to ensure transparency regarding total costs and interest rates, and to be aware of their rights in case of violations [8]. - Regulatory bodies are encouraged to enhance oversight and enforcement to protect consumers from deceptive lending practices [7][8].