Core Viewpoint - The article discusses the emergence of high-interest loans disguised as gold trading on various online shopping platforms, leading to consumer complaints about unfair practices and significant financial losses [1][2][3]. Group 1: Consumer Complaints - Multiple platforms, including Zongxing Youpin and Huizhongle, have received complaints from consumers regarding gold purchases turning into high-interest loans [1][2]. - Consumers reported that after purchasing gold, the amount received upon selling it back was significantly lower, resulting in high interest payments [3][5]. - A specific case highlighted a consumer who borrowed over 4,000 yuan in interest for a 15-day loan after engaging in gold transactions on Zongxing Youpin [3]. Group 2: Pricing Discrepancies - The prices for gold bars on these online platforms are reportedly much higher than those at established retailers, indicating potential exploitation [4][6]. - For instance, the price of gold on Zongxing Youpin was found to be between 790 to 830 yuan per gram, while the average domestic gold price was around 640 yuan per gram during the same period [6]. Group 3: Regulatory Concerns - Zongxing Youpin has been flagged for operating without the necessary small loan licenses, and its gold trading features have been temporarily removed [8][9]. - The article suggests that these platforms are using gold transactions as a facade for high-interest lending, which aligns with characteristics of "套路贷" (trap loans) [9][10]. - Regulatory bodies have issued warnings about these practices, emphasizing the need for consumers to be cautious and verify the legitimacy of loan intermediaries [11].