金融监管总局：警惕三大诱导网贷套路！

Core Viewpoint - The article emphasizes the risks associated with fraudulent online loan promotions and provides guidance for consumers to identify and avoid such scams. Group 1: Identification of Fraudulent Practices - Financial Consumer Protection Bureau highlights three main tactics used by fraudulent institutions to mislead consumers into online loans: confusing terminology, false promises, and concealing actual loan costs [4][5][6]. - The first tactic involves misleading terminology, where terms like "installment payment" are used instead of "installment loan," leading consumers to sign contracts without fully understanding the terms [5]. - The second tactic includes making false promises, such as guaranteed job placements or government grants, which entice consumers to take loans under misleading conditions [5]. - The third tactic is the concealment of actual loan costs, where only low surface rates are advertised while higher actual rates and additional fees are hidden from consumers [6]. Group 2: Consumer Protection Recommendations - Consumers are advised to carefully evaluate promotional content and be wary of exaggerated claims or unrealistic promises [7]. - It is recommended to choose institutions with legitimate qualifications and good reputations, and to verify their credentials through official channels [7]. - Before signing any contracts, consumers should thoroughly read the terms, focusing on fees, refund policies, and service guarantees, and should not hesitate to seek clarification on any ambiguous clauses [11].