"职业背债"骗局。非法贷款中介以"高额回报""无需偿债务"等话术为诱饵，吸引特定目标人群，通过虚 构工作单位、收入流水、资产规模等手段"包装"客户申贷资料，骗取银行信贷资金，最终中介抽取高额 分成，将债务和风险全部转由背债人承担。 北京商报讯（记者 孟凡霞 实习记者 周义力）9月19日，北京金融监管局发布消费者风险提示称，近年 来，非法贷款中介乱象已成为金融领域"黑灰产"的主要表现之一。非法贷款中介通过虚假承诺、违法包 装、恶意垒债等手段，不仅侵害广大消费者的合法权益，推高融资成本，而且严重扰乱金融市场秩序， 加大金融风险隐患。北京金融监管局提醒广大消费者：远离非法贷款中介，珍惜个人信用，不轻信、不 盲从，避免因小失大。 根据风险提示，非法贷款中介乱象典型陷阱主要有以下六种，其中包括，合同误导骗签字。非法贷款中 介在与消费者签署合同时，故意遮挡或隐瞒对消费者不利的条款，误导消费者签署合同，或故意不填写 贷款费率、还款日期等关键信息，诱导消费者签字，待正式合同盖章完毕，消费者才发现费率、还款日 期等信息与面谈时不一致。 低息引诱骗钱财。非法贷款中介首先抛出年化利率约为2%、3%的低息产品吸引消费者，然后在办理过 ...

Core Viewpoint - The Beijing Financial Regulatory Bureau has issued a consumer risk warning regarding the rampant illegal loan intermediary practices that have become a major manifestation of "black and gray industries" in the financial sector [1] Summary by Categories Illegal Loan Intermediary Traps - The typical traps of illegal loan intermediaries include misleading contract signing, where they obscure or hide unfavorable terms, leading consumers to sign contracts without understanding the true costs [1] - Low-interest bait is used to attract consumers, initially offering annual interest rates around 2% to 3%, but later imposing fees that exceed 10% or even 20% during the processing [2] - The AB scheme involves requiring a loan applicant (A) to have a friend or relative (B) apply for a loan, placing the repayment responsibility on B, which can lead to financial loss if A defaults [2] - The "professional debt" scam targets specific groups by promising high returns and no repayment obligations, while fabricating financial documents to secure loans, leaving the debt burden on the borrower [2] - Post-loan scams involve intermediaries contacting consumers under the guise of bank management, claiming non-compliance and demanding immediate repayment, often leading to high service fees [3] - Malicious inquiries are made to increase the number of credit checks on consumers, complicating their ability to secure legitimate loans, while intermediaries impose additional fees [3] Consumer Protection Recommendations - Consumers are advised to be vigilant against misleading promotions and to avoid trusting unsolicited communications regarding debt restructuring or optimization [3] - It is recommended that consumers assess their income and spending capabilities realistically and seek financial services through legitimate institutions [3] - Protecting personal information is crucial; consumers should safeguard sensitive documents and avoid delegating financial tasks to others to prevent data breaches [3] - Consumers should report any doubts about financial services through official channels and preserve evidence if they fall victim to illegal loan intermediaries [4]