面 银行 冷却行消保 ASSET IN 近年来,非法校园网贷活动屡禁不止,不法分子利用学 生群体消费需求旺盛、金融知识薄弱、社会经验不足等 特点,通过"零门槛贷款""刷单贷""美容贷"等新 型诈骗手段,诱导学生陷入债务陷阱,严重威胁学生身 心健康和学业发展。现通过典型案例解析非法网贷查 路,帮助广大学生识别风险、远离陷阱。 警惕"零门槛" 贷款陷阱 【案例在线】 大一新生小王在校园内看到一则"凭学生证即可 借款5000元"的广告,因想要购买新包便申请贷 款,可实际到账仅3500元,却被要求7天后还款 5000元。因无力偿还,小王受诱导向其他平台借 款,最终欠款滚至3万元。 【套路解析】 不法分子通过校园小广告、社交平台等渠道散布 "零门槛贷款"信息,诱导学生申请贷款。实际 操作中,还通过"砍头息"(预扣高额服务 费）、设置极短还款周期(如7天)等手段变相收 取超高利息。当学生无力偿还时,又诱导其向其 他平台借款"以贷养贷",让债务如滚雪球般增 长,最终通过电话轰炸、威胁曝光隐私等暴力催 收手段逼迫还款。 【 风险提示】 警惕"零门槛""免息"宣传:正规金融机构不会以 "无抵押""无征信"为噱头诱导贷款。 拒绝 ...

【文/羽扇观金工作室】 网络借贷平台拍拍贷再次因用户数据处理问题被推至风口浪尖。 11月10日，工信部最新通报显示，拍拍贷微信公众号因"隐私政策默认同意"问题被点名，这已是2025年 工信部发布的第7批、总第52批关于侵害用户权益行为的通报。 此次抽查是依据《个人信息保护法》《网络安全法》等法律法规，由四部门联合开展的2025年个人信息 保护系列专项行动的一部分。拍拍贷的母公司信也科技，作为在美上市的中国金融科技平台，正面临业 务扩张与合规治理的双重考验。 在数字化转型加速的背景下，金融科技平台如何平衡业务发展与用户权益保护，已成为行业亟需解决的 课题。拍拍贷此次违规涉及的"隐私政策默认同意"问题，实质上剥夺了用户的知情权和选择权，反映出 平台在用户个人信息保护机制建设上仍存在明显短板。 违规详情：拍拍贷隐私保护机制存在系统性缺陷 法律明确规定，个人信息处理者应当取得个人同意，且该同意应当由个人在充分知情的前提下自愿、明 确作出。拍拍贷的默认同意设计，实质上架空了法律规定的同意要件。 拍拍贷的《用户服务协议》中包含了多项可能损害用户权益的条款。协议明确规定，"拍拍贷对所有第 三方网站的隐私保护措施不负任何责任 ...

《中国审判》是由最高人民法院主管，人民法院出版社主办的国内最具有权威性的法制期刊。通过全国 法院已生效审判案例甄选，《中国审判》2024年刊发题为《网络借贷信息中介模式法律关系的认定》的 专题报道。 根据裁判文书网上该案判决原文如下：中级法院一审裁定：王某提供的借款均通过其在银行开立的个人 存管账户直接支付给借款人(案外人)，无证据证明玖富普惠设立资金池，为公司或变相为公司融资,出借 人与玖富普惠公司之间未签署任何借贷合同，不存在借贷合意，故双方之间存在的法律关系应为中介合 同关系，而非民间借贷关系。省高级法院二审裁定：王某与玖富普惠签订的《协议》载明了玖富普惠公 司为王某提供出借咨询服务或借款人推荐服务等。其能够证明玖富普惠公司仅为网络借贷信息中介服务 的提供方,并非涉案款项的借款主体。最高院再审裁定：根据查明的事实以及审查民间借贷的关键焦 点，玖富普惠公司与出借人王某之间属于中介合同关系，而非民间借贷关系，且玖富普惠公司无任何担 保承诺和意思表达，故玖富普惠公司无须承担偿还借款的责任。 针对该案件的裁定，《中国审判》从P2P监管备案登记与否不影响其法律定性；是否有借贷合意，是借 贷关系审查重点。---玖富 ...

Core Viewpoint - A consumer in Chengdu, Ms. Ma, reported issues with a domestic online lending platform, including unexpected "comprehensive fees" and automatic subscription to services without her consent [1][2][12]. Group 1: Consumer Complaints - Ms. Ma began borrowing from the platform in 2021, with varying loan amounts and repayment terms, noticing annualized interest rates of 24% and 36% [2][13]. - She expressed confusion over the "comprehensive fees" included in her repayments, which amounted to 2,161.28 yuan for a loan of 7,000 yuan [4][13]. - Attempts to view her loan contract were met with redirects to a third-party risk detection page, which required additional fees to access [6][8]. Group 2: Platform Response - The platform's representative confirmed that the "comprehensive fees" were calculated based on the annualized interest rate and included "interest + guarantee service fee," totaling 9,161.28 yuan for repayment [13]. - The platform agreed to refund the "membership fees" and "third-party risk detection fees" that were charged without Ms. Ma's consent, reaching a settlement [12][14]. Group 3: Industry Practices - The incident highlights potential issues within the online lending industry, such as unclear fee structures and automatic subscription practices that may infringe on consumer rights [15][17]. - Legal experts suggest consumers should thoroughly review loan contracts and be cautious of automatic renewals for services they did not explicitly agree to [15][16][17].

Group 1: Consumer Market Performance - In January and February, the total retail sales of consumer goods reached 83,731 billion yuan, a year-on-year increase of 4%, which is 0.5% faster than the entire previous year [1] - Retail sales excluding automobiles amounted to 76,838 billion yuan, growing by 4.8% [1] - The retail sales of goods were 73,939 billion yuan, with a year-on-year growth of 3.9%, while catering revenue was 9,792 billion yuan, increasing by 4.3% [1][2] Group 2: Government Consumption Stimulus Measures - The State Council released a special action plan to boost consumption, proposing measures such as expanding income channels and stabilizing the stock market [3] - The plan emphasizes the importance of increasing residents' income and providing consumption subsidies to stimulate spending [3][4] - The plan also includes measures to improve the business environment for enterprises, which is crucial for increasing residents' wage income [3] Group 3: Real Estate Market Trends - In February, the second-hand housing prices in first-tier cities showed a slight decline, while new housing prices remained stable [5][6] - Real estate development investment in January and February was 1,072 billion yuan, a year-on-year decrease of 9.8%, but the decline was narrower than the previous year [5] - The market is experiencing a divergence, with core cities showing resilience while non-core areas may take longer to recover [6] Group 4: Company-Specific Financial Performance - CATL reported a 15% increase in net profit for 2024, despite a 9.7% decline in revenue, marking the first revenue drop in nearly a decade [7] - The sales volume of power battery systems and energy storage systems increased by 18.85% and 34.32%, respectively, although revenue from these segments declined [7][8] - The company is increasing capital expenditure to expand production and strengthen its global market share [8] Group 5: Market Dynamics in the Chip Industry - Samsung and SK Hynix joined the trend of increasing storage chip prices, with expected price hikes of around 10% or more starting in April [13][14] - The chip industry is experiencing a supply-demand mismatch due to previous overproduction and subsequent market recovery not meeting expectations [13] - The demand for storage chips is anticipated to grow with the advancement of AI and smart driving technologies, although the market remains volatile [14] Group 6: Stock Market Overview - The stock market experienced narrow fluctuations with the Shanghai Composite Index rising by 0.19% on March 17, with a total trading volume of 1.57 trillion yuan [15][16] - Market sentiment was affected by the lack of specific consumption policy details, leading to a mixed performance across various sectors [15][16] - The influx of new retail investors has changed the market dynamics, making it challenging for traditional investors to navigate [16]

Core Insights - The article highlights the rising concerns regarding the use of electronic signatures in online lending platforms, particularly focusing on high-interest loans and predatory lending practices [1][2] - It reveals that many borrowers are unaware of the true costs associated with loans facilitated through electronic signatures, leading to significant financial losses [1] Group 1: Electronic Signature Platforms - Electronic signature platforms like "借贷宝" and "人人信" are being used to facilitate high-interest loans, often resulting in borrowers receiving much less than the amount they signed for [1] - The platforms allow lenders to operate under false identities, making it difficult for borrowers to pursue legal action in case of disputes [2] Group 2: Borrower Experiences - Borrowers like 洪先生 and 王女士 reported receiving significantly lower amounts than what they borrowed, with 洪先生 receiving 3500 yuan instead of 5000 yuan and 王女士 receiving 14000 yuan instead of 30000 yuan [1] - The article emphasizes that the electronic signature agreements do not protect borrowers from high-interest rates and aggressive collection practices [1] Group 3: Platform Accountability - The business model of these platforms appears to prioritize profit over borrower protection, as they collect fees from borrowers while allowing lenders to evade responsibility [2] - The claim of "real-name authentication" on these platforms is deemed ineffective, as it does not prevent fraudulent activities [2]