文 | 高见观潮，作者 | 高恒 在网贷平台只需几分钟的审核时间里，年轻人就能获得几千到上万元的"信用额度"，而真正偿还这笔 钱，往往需要数年，甚至拖垮整个生活。 他们是骑着电动车送餐的外卖员，是靠提成吃饭的销售，是想翻身的直播创业者——在高强度工作与碎 片化收入之间，他们借钱只是为了"活得像个人"，但当催收电话、逾期利息与系统性羞耻接踵而至，生 活变成一场无法逃离的围猎。他们试图上岸，也有人选择逃离，更多的人困在沉默与孤立中。 这不仅是个体的困境，而是一个社会在信贷技术狂飙之后，留下的裂缝。我试图通过几个年轻人的故 事，看清这套系统的运作逻辑，也重新理解，在"债务"之外，一个人还能如何保有尊严与出口。 不是不想还，是根本还不起 晚上8点，手机安静了下来。小刘习惯性地翻了下屏幕，今天一共来了46个电话和70条短信，大多来自 他已经记不清的催收平台。陌生号码背后是类似的话术："您好，提醒您今日账单即将逾期，请于23:00 前完成还款，否则将影响您的征信记录。"短信末尾通常会加上一句，"为了您的信用，请及时处理。" 他将手机调成飞行模式，像是按下了一个暂停键，世界顿时安静下来。可那种安静，更像是神经上的真 空。即 ...

Investment Rating - The report indicates that major platforms such as Alipay, Lai Fenqi, and Paipaidai received a rating of "Not Rated" for 2024, while Fenqile was rated as "Not Recommended for Ordering" [5][19][29]. Core Insights - The financial technology industry has experienced rapid growth, but regulatory frameworks have not kept pace, leading to increased consumer complaints against various platforms, including those with strong reputations [2]. - The report highlights that consumer complaints are concentrated in areas such as installment consumption and banking e-commerce, emphasizing the need for improved legal oversight to protect consumer rights [2]. - The report is based on data from the "Electric Complaint Treasure" platform, which processed a significant number of consumer disputes across 100 internet consumption platforms in 2024 [2]. Summary by Sections Overall Data - The top complaint types in the financial technology sector include information leakage (37.99%), online fraud (16.16%), and unfair contract terms (8.30%) [7]. - The regions with the highest complaint rates are Guangdong (17.47%), Zhejiang (9.17%), and Jiangsu (8.73%) [10]. - The gender distribution of complaints shows a higher proportion of male users at 67.69% compared to female users at 32.31% [13]. - Complaint amounts are predominantly over 10,000 yuan (38.87%), indicating significant financial stakes involved in these disputes [16]. Rating Data and Case Studies - Fenqile received 18 ratings in 2024, all marked as "Not Recommended for Ordering," with complaints primarily related to information leakage and online fraud [18][20]. - Alipay also received 14 ratings, all marked as "Not Rated," with complaints focusing on online fraud and information leakage [28][30]. - Lai Fenqi had 13 ratings, all marked as "Not Rated," with complaints centered on information leakage and customer service issues [39][40]. - Paipaidai received 12 ratings, all marked as "Not Rated," with complaints primarily about information leakage and aggressive collection practices [46][47].