当"租机套现"被包装成解决资金周转的"捷径"，风险警钟也再一次敲响。 青云租是一家主营 3C数码产品租赁业务 的平台，其商业模式为 " 商 户 "（ 即投资人 ） 入驻，向平台投资苹果手机 。平台 通过 全托管模式以租代售 分 4/6/12期销售手机，承诺给 商户 年化 14.4% 至 16.8%的租金收益 。极低的投资门槛和在此条件下称得上极高的收益背后，必定孕育着风险。 但对于员工来说，这家公司似乎并无特别。 "8月开始，我们加班特别多，还实行大小周，每周还有周报。"一位入职青云租 短短几个月 的技术人员告诉" 豹变" 。公司给的官方解释是，按照现在 的发展势头，现有的系统会在一到两年内超负荷，线上系统需要重构。一切的加班，都是为了在过年之前完成系统重构。 以下文章来源于豹变 ，作者王珊 豹变 . 直抵核心。做最具穿透力、洞察力的商业观察，深度影响未来。 文 ｜ 王珊 编辑 ｜ 张力 来源｜ 豹变（ID：baobiannews） 封面来源 ｜ 视觉中国 "青云租跑路了。"今年10月初，坏消息开始在"商户"中蔓延。 年底还没到，公司先跑路了。 10月底，青云租位于长沙的办公楼已经退租。据悉，长沙的几十名员工 ...

「核心提示」 青云租跑路，背后的迷局仍未解开。只是当"租机套现"被包装成解决资金周转的"捷径"，手机租赁行业 异化为金融游戏与债务陷阱，风险警钟也再一次敲响。 "青云租跑路了。"今年10月初，坏消息开始在"商户"中蔓延。 青云租是一家主营3C数码产品租赁业务的平台，其商业模式为"商户"（即投资人）入驻，向平台投资 苹果手机。平台通过全托管模式以租代售分4/6/12期销售手机，承诺给商户年化14.4%至16.8%的租金收 益。极低的投资门槛和在此条件下称得上极高的收益背后，必定孕育着风险。 但对于员工来说，这家公司似乎并无特别。 "8月开始，我们加班特别多，还实行大小周，每周还有周报。"一位入职青云租短短几个月的技术人员 告诉《豹变》。公司给的官方解释是，按照现在的发展势头，现有的系统会在一到两年内超负荷，线上 系统需要重构。一切的加班，都是为了在过年之前完成系统重构。 年底还没到，公司先跑路了。10月底，青云租位于长沙的办公楼已经退租。据悉，长沙的几十名员工一 起申请了劳动仲裁，目前正在等待开庭。 如果说卷款跑路，青云租可能只是个例。但《豹变》发现，青云租所在的手机租赁行业，近年来鱼龙混 杂，隐藏着一些被中介 ...

Core Viewpoint - The article discusses the emergence of new regulations in the lending industry, particularly focusing on the "assisted lending" sector, which has been criticized for hidden fees and high-interest rates that often exceed legal limits [9][10][12]. Group 1: Industry Signals - The push for new regulations in assisted lending is driven by increasing consumer complaints, with significant numbers reported regarding "usury" and "violent collection" practices [13][14]. - The original intent of consumer finance was to stimulate consumption and reduce reliance on exports and fixed asset investments, but many institutions have deviated from this goal [16][17]. - Regulatory measures have been implemented to address industry chaos, with over 300 small loan companies reportedly exiting the market due to various issues [20]. Group 2: Regulatory Changes - The new assisted lending regulations will take effect on October 1, 2025, requiring all fees to be included in the comprehensive annualized interest rate, which cannot exceed 24% [10][11]. - The regulations aim to eliminate high-interest loans in the 24%-36% range, which have been associated with high default rates [21][22]. - The market is expected to undergo significant consolidation, with a shift in market share towards compliant and well-operated platforms [22]. Group 3: Industry Response - In anticipation of the new regulations, many lending institutions are exploring new product models to circumvent the rules and maintain profitability [26][27]. - Current strategies include bundling loans with membership benefits or insurance, although these may not fully cover the costs associated with higher interest rates [28][30]. - Some companies are also offering credit risk assessment services, which may not provide substantial value to borrowers [33]. Group 4: Funding Challenges - The supply of funds for loans in the 24%-36% range is tightening, with significant shortages reported across the industry [39]. - Traditional funding sources, such as city commercial banks and small loan companies, are becoming increasingly difficult to access [38]. - There are indications that some companies may attempt to bypass regulations by using trust companies, although these are also subject to oversight under the new rules [42][43].