随着经济的快速发展，金融领域的非法中介乱象五花八门、层出不穷，稍不留意就可能让消费者陷入经 济困境，严重影响和损害消费者的合法权益，扰乱市场经济秩序。下面民生保险山东分公司带大家逐一 拆解这些金融 "陷阱" 的真面目，教您一眼识破风险，守住钱袋子与信用底线。 1."职业背债人"陷阱：天上不会掉馅饼，但是会掉陷阱 具体表现形式：非法中介会宣称 "帮你套取大额贷款，到手分成，不用你还款"，但实际情况是让你冒 用他人身份、伪造收入证明办贷款，事后让你独自承担债务。 产生后果：贷款记录会记在你名下，更严重的，若被发现骗贷，还会涉嫌刑事犯罪，留下案底。 2.不正当反催收与恶意逃废债务：看似帮你"增信"，实则帮你"减信" 具体表现形式：非法中介会声称"帮你停掉催收、免除债务"，但实则让你失信。 产生后果：不仅无法真正解决债务，还会错过合法协商还款的机会，严重的还会被列入失信名单，影响 房贷、车贷，甚至面临法律追责。 3.非法代理退保、理赔：退保爽一时，保障却泡汤 4.非法存贷款中介："高息存钱""低息贷款" 都是骗局 具体表现形式：非法存贷款中介会以"高息揽储""低息快贷"为噱头，暗中把钱投向非法渠道或者收取高 额利息， ...

Core Viewpoint - The rise of illegal financial intermediaries posing as legitimate service providers has become a significant threat to financial consumers, necessitating urgent action to protect consumer rights and maintain financial order [1][2]. Group 1: Illegal Financial Activities - Illegal financial intermediaries are engaging in fraudulent activities under the guise of services like "unsecured loans," "debt relief," and "credit repair," often charging high fees and collecting personal information for profit [1][2]. - Common scams include loan intermediary fraud, where consumers are lured with promises of low rates and quick funding, only to be asked for upfront fees and then face delays or disappearances [2][3]. - Other scams involve false claims of insurance claim assistance, credit repair, and debt evasion, where intermediaries exploit consumer trust and personal information [2][3]. Group 2: Consumer Protection Measures - Financial regulatory bodies are actively warning consumers about the dangers of illegal intermediaries and promoting awareness campaigns to safeguard financial interests [1][5]. - Consumers are advised to verify the legitimacy of financial service providers through official channels and to be cautious of unsolicited offers, especially those requiring upfront payments [4][5]. - It is crucial for consumers to read contracts carefully and understand the terms before signing, as many intermediaries use deceptive practices to entrap them [3][4].