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].

套取金融机构贷款，转贷赚取"利息差"行得通吗？起诉别人偿还赌债，为何会被法院驳回？10月29日， 南京市高淳区人民法院发布一批民间借贷纠纷典型案例，揭开了民间借贷中的风险和"陷阱"。 套取金融机构贷款转贷，借款行为无效！ 祖某与赵某系朋友关系，2022年10月，赵某因资金周转向祖某借款2万元，赵某出具借条，约定利息为 月利率1%。后赵某未能按约还本付息，祖某诉至法院。庭审中，祖某称出借给赵某的款项来源于支付 宝"借呗"。 法院认为，根据查明事实，债权人祖某出借的款项来源于支付宝"借呗"，属于信贷资金，故祖某与赵某 之间的借款合同应属无效。合同无效后，赵某负有返还借款本金的义务。 "部分人在自身经济能力不足的情况下，套取金融机构贷款转贷赚取'利息差'，法律明确规定该行为属 于无效。"据介绍，民事法律行为无效、被撤销或者确定不发生效力后，行为人因该行为取得的财产， 应当予以返还。对债权人主张的借款利息，依法不予支持。根据案件实际情况，法院可酌情支持债权人 主张按LPR标准计算资金占用利息。 为讨赌债起诉被驳回，非法债务不受保护 吴某和李某赌博输了1.5万元，因无力偿还出具借条一张，写明自己因资金周转，向对方借款1 ...