明明贷款600多万元，实际到手却只有500余万元，高达百万元的"服务费"从何而来？ 2023年的某天，北京一家企业的负责人吴某正为面临资金紧张的经营困难而发愁。这时，他接到一个贷 款中介营销电话，该中介许诺可以帮他快速代办低息贷款。贷款中介再三打包票，表示吴某只需要提供 营业执照和身份证，由中介负责帮他优化收入流水，并且"代办业务仅收取2个点的费用，银行贷款利率 不超过5%"。 一是虚假宣传与低息诱导。部分非法贷款中介以"银行关系户"为噱头，利用虚假宣传手段让消费者误以 为能够获得"额度高、利率低"的贷款，实际收取高额服务费。 二是违法包装骗贷。非法中介往往瞄准资质不足的小微企业或征信白户等特定人群，协助借款人虚构工 作单位、贸易合同、银行流水、资产规模等申贷材料；有的中介还勾结银行机构个别员工骗贷，让借款 人沦为"职业背债人"。 三是实施"套路贷"犯罪。这类中介以" 金融消费者一旦陷入非法贷款中介精心设置的陷阱，不仅会面临财产损失、泄露个人信息，甚至违法犯 罪的风险。具体而言，金融机构发现借款人未按照合同规定用途使用贷款资金或不具备贷款资质后，通 常会要求借款人提前归还贷款，借款人若无法提前归还贷款，将影响 ...

Core Viewpoint - The article highlights the increasing prevalence of illegal loan intermediaries in China, emphasizing the risks associated with their deceptive practices and the regulatory response to combat these financial crimes [1][8]. Summary by Sections Illegal Loan Intermediaries - Illegal loan intermediaries often disguise themselves as "bank channel departments" or "bank staff," promoting "no collateral, no guarantee loans" while using enticing offers of "high returns, low risk" and "quick approval" to attract consumers [1][3]. - These intermediaries typically charge high fees under various pretenses, such as "service fees" and "evaluation fees," which are often non-refundable once paid [3][4]. Consumer Cases - A case reported by a bank involved a consumer who was misled into paying multiple fees for a loan that could have been obtained through official channels without any additional costs [3]. - Another case involved a consumer who was promised a low-interest loan but was later asked to pay a "deposit" due to alleged credit issues, resulting in financial loss when the promised loan terms were not honored [4]. High-Risk Financial Operations - Some illegal intermediaries promote risky financial operations, such as "zero down payment home purchases," which can lead to significant financial burdens for consumers [6][7]. - These operations often involve inflating property values to secure larger loans, putting consumers at risk of default and potential legal consequences [7]. Regulatory Response - The rapid growth of financial black and gray markets has led to a tenfold increase in financial losses since 2021, with the scale reaching hundreds of billions [9]. - Regulatory bodies have intensified their crackdown on financial crimes, with joint actions between financial regulators and law enforcement agencies aimed at dismantling these illegal operations [8][9].