Group 1 - The article highlights the issue of fraudulent online training institutions that lure consumers with false promises of government scholarships and guaranteed certification [3][7] - A case study is presented where a consumer, Ms. Zhao, was misled into signing a contract for a high-interest online loan, believing it was for legitimate training services [3][7] - The article emphasizes the challenges consumers face in seeking redress after being defrauded, often due to the fraudulent institutions disappearing, leading to significant financial burdens and potential legal disputes [7] Group 2 - Consumers are advised to be vigilant against exaggerated claims and unrealistic promises in advertisements, and to resist pressure tactics when making decisions [9] - It is recommended that consumers verify the credentials of institutions or platforms before engaging, prioritizing those with legitimate qualifications and good reputations [9] - The importance of thoroughly reviewing contract terms before signing is stressed, particularly to avoid being misled by enticing offers or hidden risks [9]

为保护广大消费者合法权益，金融监管总局金融消费者权益保护局提示： 一是宣传内容辨仔细。虚假宣传看似诱人，实则暗藏高额收费陷阱。消费者需提高风险防范意识，警惕 夸大其词或不切实际的虚假宣传。对于超出合理范围的高回报承诺、高薪酬待遇等宣传内容，应理性分 析、多方查证，核实宣传内容的真实性和可靠性，拒绝各类话术套路诱惑。 二是机构资质需核实。在选择各类服务时，优先选择具有合法资质、信誉良好的机构或平台。可以通过 相关部门或行业协会官方网站，查询机构或平台业务资质，了解掌握其经营和服务范围，避免陷入不法 机构或平台骗贷陷阱。 国家金融监督管理总局日前发布风险提示称，近期，一些不法机构或平台通过混淆概念、不实承诺、隐 瞒风险等虚假宣传手段，诱导消费者办理网络贷款，不仅给消费者带来沉重的经济负担，还可能使消费 者陷入法律纠纷。金融监管总局金融消费者权益保护局提醒广大群众警惕虚假宣传诱导网络贷款的风 险，提高风险防范意识。 风险提示称，虚假宣传诱导网络贷款主要有以下"套路"： 一是混淆概念误导贷款。一些不法机构或平台利用言语误差，如以"分期缴费""分期付款"替代"分期贷 款"，有意误导或迷惑消费者在未充分了解服务内容和合同 ...

Core Viewpoint - Recent reports indicate that fraudulent institutions and platforms are misleading consumers into online loans through deceptive advertising, leading to significant financial burdens and potential legal disputes for consumers [1][2]. Summary by Sections Fraudulent Practices - Three main tactics are identified in misleading consumers into online loans: 1. **Misleading Terminology**: Fraudulent entities confuse terms like "installment payment" with "installment loan," leading consumers to sign contracts without fully understanding the terms [1]. 2. **False Promises**: Some platforms make exaggerated claims such as guaranteed approvals or government aid, enticing consumers to apply for loans under misleading conditions [2]. 3. **Concealing Actual Costs**: These entities often advertise low interest rates while hiding higher actual rates and additional fees, resulting in consumers facing unexpected financial burdens [2]. Consumer Protection Recommendations - The Financial Consumer Rights Protection Bureau has issued four key recommendations to safeguard consumers: 1. **Scrutinize Promotional Content**: Consumers should be wary of overly attractive offers and verify the authenticity of claims before proceeding [3]. 2. **Verify Institutional Credentials**: It is advised to choose institutions with legitimate qualifications and good reputations, checking their credentials through official channels [3]. 3. **Understand Contract Terms**: Consumers must carefully read and understand contract terms, focusing on fees, refund policies, and service guarantees before signing [3]. 4. **Protect Personal Information**: Individuals should be cautious about sharing personal information and regularly monitor their accounts for any unusual activity [4].

Core Viewpoint - The Financial Consumer Protection Bureau has issued a warning regarding the risks of false advertising that induces consumers to take out online loans, emphasizing the need for consumers to be cautious and informed before signing contracts [1][2]. Summary by Sections Identification of False Advertising Tactics - The bureau highlights that some illegal institutions use misleading concepts, false promises, and concealment of risks to lure consumers into online loans, leading to significant financial burdens and potential legal disputes [3]. - Three main tactics identified include: 1. **Confusing Concepts**: Misleading terms like "installment payment" instead of "installment loan" can trick consumers into signing contracts without fully understanding the terms [4]. 2. **False Promises**: Institutions may make exaggerated claims about guaranteed outcomes or financial rewards, often hiding unfavorable contract terms that benefit the institution [4]. 3. **Concealing Actual Costs**: Only low surface rates are advertised while higher actual rates and additional fees are hidden, leading to unexpected financial obligations for consumers [5]. Consumer Awareness and Protection - Consumers are advised to critically assess promotional content and be wary of unrealistic claims, ensuring they verify the authenticity of such information [6]. - It is recommended to choose institutions with legitimate qualifications and good reputations, utilizing official resources to check the credentials of financial service providers [7]. - Before signing contracts, consumers should carefully read the terms, focusing on fees, refund policies, and service commitments, and should seek clarification on any ambiguous clauses [8][9].

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].

Core Viewpoint - The article emphasizes the risks associated with misleading advertising that induces online loans, highlighting the need for consumers to be vigilant and aware of potential financial traps [2][4][7]. Summary by Sections Inducement Tactics in Online Lending - The article outlines three main tactics used by fraudulent institutions to mislead consumers into online loans: 1. Confusing concepts to mislead loans, such as using terms like "installment payment" instead of "installment loan," which can lead to consumers signing contracts without fully understanding the terms [4]. 2. False promises to induce loans, where institutions make exaggerated claims about outcomes, such as guaranteed job placements or government grants, often leading to unfavorable contract terms for consumers [4]. 3. Concealing actual loan costs, where institutions promote low surface interest rates while hiding higher actual rates and additional fees, resulting in consumers paying much more than expected [5]. Consumer Protection Measures - The article advises consumers to reject enticing but misleading sales pitches and to be cautious when providing personal information [6]. - It encourages consumers to verify the legitimacy of institutions by checking their qualifications through official channels and to protect their personal information to avoid potential misuse [7]. - The article also mentions recent warnings from various financial regulatory bodies regarding illegal lending practices targeting vulnerable groups, such as students, and the need for consumers to be aware of the risks associated with third-party loan applications [8].