Core Viewpoint - The rise of fraudulent loan schemes disguised as "machine rental cashing" is alarming, with significant financial burdens placed on victims, highlighting the need for increased awareness and preventive measures [1][2]. Group 1: Case Studies - A case involving a woman named Jiang illustrates the dangers of these schemes, where she was lured into renting multiple phones, resulting in a cashing out of over 140,000 yuan but facing a repayment of 420,000 yuan within three months [2]. - In 2024, Shanghai police uncovered the first illegal lending case under the guise of "mobile rental," arresting 15 suspects and involving over 20 million yuan [3]. Group 2: Common Tactics - The "machine rental cashing" schemes employ four main tactics: 1. High-interest rates disguised as "premium rent" or "service fees" to evade regulatory limits [4]. 2. Hidden costs in contracts, including exorbitant buyout fees and penalties for early termination [4]. 3. Misuse of personal information under the pretext of "credit assessment," leading to potential data breaches [4]. 4. Aggressive debt collection methods, including harassment of borrowers and their contacts [4]. Group 3: Consumer Warnings - Consumers are advised to be cautious of marketing phrases like "0 down payment," "low monthly rent," and "instant approval," and to thoroughly read contracts before signing [5]. - It is crucial for consumers to verify the lending qualifications of institutions before engaging in any loan agreements [5].

2024年7月，上海市公安局也曾发布消息，侦破上海首例以"手机租借"名义实施非法放贷的非法经营 案，抓获15名犯罪嫌疑人，涉案金额超过2000万元。在案件侦破过程中，警方还发现了多个租机贷平台 之间往往会共享"客户"，通过中介诱导同一借款人在不同平台租机，从而实现大额放贷。 深圳市防范和打击非法金融活动专责小组办公室介绍，"租机套现"存在四大常见套路。一是高息包装， 将高额利息和手续费伪装成"溢价租金""碎屏险""服务费"等，规避监管对借贷利率的上限要求；二是隐 性成本，合同中设置到期后高额买断费、违约金等条款，让消费者在退租或违约时面临巨大损失；三是 信息滥用，以"信用评估"为名，超范围、超频次地收集个人信息（如通讯录、位置、人脸、设备权限 等），存在信息泄露和被恶意利用的风险；四是暴力催收，一旦消费者逾期，平台会采取电话骚扰、打 爆通讯录、上门滋扰等非法手段进行催收，严重影响个人及家人生活。 市民们应该如何维护自身财产和信息安全？深圳市防范和打击非法金融活动专责小组办公室提醒，要警 惕"0首付""低月租""秒到账"等营销词汇和宣传套路，订立合同前要仔细阅读合同条款，办理贷款前要 确认贷款机构是否具备放贷资 ...