以下文章来源于无冕财经 ，作者无冕财经团队 来源|无冕财经 作者|杨一轩 编辑|陈涧 远离公众视野数年的借贷宝，再次引发口诛笔伐。 据今年的央视315晚会曝光，有人经由借贷宝平台借款5000元，7天就要额外付出1500元利息，实际年化利率高达2234.69%。 一同曝光的还有人人信。它们都是利用电子签撮合借钱双方，但几乎不监管，导致"套路贷""砍头息"层出不穷。 无冕财经 . 奉守"专业主义，内容为王"，为优质的商业阅读而生。多次获评"年度财经自媒体"，入选胡润百富"广州最值得投资的企业"榜单50强，广州市新阶联自媒 体分会副会长单位，入驻全网20多个平台，覆盖1000万+商务人群，中国财经新媒体的中坚力量之一。 舆论讨伐之下，借贷宝似乎吸引到更多"炮火"，主要在于其背后隐身的资本大佬。 3月16日，九鼎投资 （600053.SH）发澄清公告，称与借贷宝所属公司不存在股权控制关系。 但九鼎系另一家公司九鼎集团 （430719.NQ）遭到监管问询，要求其说明与借贷宝所属公司间发生的股权转让款事项。 曾凭借九鼎集团千亿市值跻身"新三板首富"的吴刚，因九鼎系没落及自身被罚，已久未露面，但穿透股权发现，借贷宝与吴刚之 ...

Core Insights - The article highlights the rising concerns regarding the use of electronic signatures in online lending platforms, particularly focusing on high-interest loans and predatory lending practices [1][2] - It reveals that many borrowers are unaware of the true costs associated with loans facilitated through electronic signatures, leading to significant financial losses [1] Group 1: Electronic Signature Platforms - Electronic signature platforms like "借贷宝" and "人人信" are being used to facilitate high-interest loans, often resulting in borrowers receiving much less than the amount they signed for [1] - The platforms allow lenders to operate under false identities, making it difficult for borrowers to pursue legal action in case of disputes [2] Group 2: Borrower Experiences - Borrowers like 洪先生 and 王女士 reported receiving significantly lower amounts than what they borrowed, with 洪先生 receiving 3500 yuan instead of 5000 yuan and 王女士 receiving 14000 yuan instead of 30000 yuan [1] - The article emphasizes that the electronic signature agreements do not protect borrowers from high-interest rates and aggressive collection practices [1] Group 3: Platform Accountability - The business model of these platforms appears to prioritize profit over borrower protection, as they collect fees from borrowers while allowing lenders to evade responsibility [2] - The claim of "real-name authentication" on these platforms is deemed ineffective, as it does not prevent fraudulent activities [2]