网络贷款

Search documents
金融监管总局发布风险提示:防范虚假宣传诱导网络贷款
Xin Hua Wang· 2025-08-12 05:42
为保护广大消费者合法权益,金融监管总局金融消费者权益保护局提示: 一是宣传内容辨仔细。虚假宣传看似诱人,实则暗藏高额收费陷阱。消费者需提高风险防范意识,警惕 夸大其词或不切实际的虚假宣传。对于超出合理范围的高回报承诺、高薪酬待遇等宣传内容,应理性分 析、多方查证,核实宣传内容的真实性和可靠性,拒绝各类话术套路诱惑。 二是机构资质需核实。在选择各类服务时,优先选择具有合法资质、信誉良好的机构或平台。可以通过 相关部门或行业协会官方网站,查询机构或平台业务资质,了解掌握其经营和服务范围,避免陷入不法 机构或平台骗贷陷阱。 国家金融监督管理总局日前发布风险提示称,近期,一些不法机构或平台通过混淆概念、不实承诺、隐 瞒风险等虚假宣传手段,诱导消费者办理网络贷款,不仅给消费者带来沉重的经济负担,还可能使消费 者陷入法律纠纷。金融监管总局金融消费者权益保护局提醒广大群众警惕虚假宣传诱导网络贷款的风 险,提高风险防范意识。 风险提示称,虚假宣传诱导网络贷款主要有以下"套路": 一是混淆概念误导贷款。一些不法机构或平台利用言语误差,如以"分期缴费""分期付款"替代"分期贷 款",有意误导或迷惑消费者在未充分了解服务内容和合同 ...
防范虚假宣传诱导网络贷款风险
Jin Rong Shi Bao· 2025-08-08 07:57
Core Viewpoint - Recent reports indicate that fraudulent institutions and platforms are misleading consumers into online loans through deceptive advertising, leading to significant financial burdens and potential legal disputes for consumers [1][2]. Summary by Sections Fraudulent Practices - Three main tactics are identified in misleading consumers into online loans: 1. **Misleading Terminology**: Fraudulent entities confuse terms like "installment payment" with "installment loan," leading consumers to sign contracts without fully understanding the terms [1]. 2. **False Promises**: Some platforms make exaggerated claims such as guaranteed approvals or government aid, enticing consumers to apply for loans under misleading conditions [2]. 3. **Concealing Actual Costs**: These entities often advertise low interest rates while hiding higher actual rates and additional fees, resulting in consumers facing unexpected financial burdens [2]. Consumer Protection Recommendations - The Financial Consumer Rights Protection Bureau has issued four key recommendations to safeguard consumers: 1. **Scrutinize Promotional Content**: Consumers should be wary of overly attractive offers and verify the authenticity of claims before proceeding [3]. 2. **Verify Institutional Credentials**: It is advised to choose institutions with legitimate qualifications and good reputations, checking their credentials through official channels [3]. 3. **Understand Contract Terms**: Consumers must carefully read and understand contract terms, focusing on fees, refund policies, and service guarantees before signing [3]. 4. **Protect Personal Information**: Individuals should be cautious about sharing personal information and regularly monitor their accounts for any unusual activity [4].
网络贷款陷阱大揭秘:从 “秒批” 到 “避坑” 的安全指南
Sou Hu Wang· 2025-07-29 06:57
Core Viewpoint - The article highlights the rising trend of fraudulent loan scams in China, emphasizing the importance of recognizing legitimate lending platforms to avoid financial loss [1][5]. Group 1: Typical Scams - Fraudulent loan scams often use enticing offers such as "no collateral, low interest, instant approval" to lure victims into downloading fake apps [2]. - Victims are typically asked to pay "unfreezing fees" or "guarantee deposits" after being informed of issues like "incorrect bank card number" or "account frozen" [2]. - A case example illustrates a victim who lost 38,000 yuan after being tricked into paying various fees for a supposed loan [2]. Group 2: Identifying Legitimate Platforms - Legitimate platforms can be identified by downloading apps only from official app stores and verifying their credentials through the National Enterprise Credit Information Publicity System [3]. - Transparency in loan processes, including clear communication of interest rates and fees, is a hallmark of legitimate lending platforms [3]. - A case warning highlights a victim who almost lost 20,000 yuan by downloading a fraudulent app from an unknown link [3]. Group 3: Personal Information Protection - Scammers often attempt to steal personal information by requesting sensitive data under the guise of verifying creditworthiness [4]. - Legitimate platforms, like 奇富借条, utilize bank-level encryption to protect user information and do not ask for sensitive data like verification codes or bank passwords [4]. - A case example shows a victim who lost 18,000 yuan after providing a verification code to scammers [4]. Group 4: Conclusion and Recommendations - The article stresses that choosing legitimate platforms is crucial to avoid falling into the trap of fraudulent loans, which can lead to significant financial losses [5][6]. - Data indicates that victims of loan scams have an average loss exceeding 20,000 yuan, equivalent to three months of income for an average family [5]. - Users are advised to report scams to authorities and preserve evidence for investigations [6].
深度|“低利息、零抵押、秒到账” ……网贷无孔不入!警惕魅惑下的陷阱
证券时报· 2025-03-14 00:04
Core Viewpoint - The rapid development of internet finance has made online loans a convenient option for many, but high interest rates, hidden fees, and various "tricks" have increasingly burdened consumers with economic risks [1][2]. Group 1: Online Loan Industry Overview - Despite multiple rounds of strict regulations, the online loan industry still harbors numerous hidden "tricks," particularly in the overdue collection process, where violent collection and harassment calls persist [2]. - Online loan advertisements are pervasive, often promoting low thresholds and quick disbursements, which mislead consumers into blind borrowing, exacerbating the chaos in the online loan sector [2][4]. Group 2: Consumer Experience and Risks - The primary clientele of online loan platforms consists of middle- to low-income individuals who are often unable to secure credit from traditional financial institutions due to unstable income or insufficient credit history [5]. - Many users begin their online loan journey with impulsive consumption, often unaware of the actual interest rates and repayment risks, leading to significant financial strain and overdue payments [5][6]. - A significant portion of online loan advertisements claims low annual interest rates starting at 7.2%, but the actual rates often exceed 20%, resulting in high borrowing costs for consumers [7][24]. Group 3: Collection Practices and Consumer Impact - Users face severe consequences from overdue payments, including aggressive collection tactics such as harassment and threats, which can lead to job loss and significant emotional distress [12][13]. - The collection process often involves multiple agencies, with many companies employing over ten collection agencies, leading to a burgeoning "anti-collection" industry that preys on vulnerable borrowers [17]. Group 4: Regulatory Environment - The government has implemented a series of regulatory measures aimed at curbing the excesses of the online loan industry, particularly focusing on collection practices and the operations of non-licensed institutions [18][21]. - Recent guidelines emphasize the need for financial institutions and third-party collection agencies to adhere strictly to ethical practices, prohibiting harassment and ensuring that only debtors are contacted during collection efforts [21]. Group 5: Marketing and Consumer Education - The online loan marketing landscape is characterized by excessive and misleading advertising, often downplaying risks and promoting instant gratification through phrases like "zero threshold" and "instant approval" [23][25]. - The industry is urged to enhance consumer education and protection, ensuring that borrowers are fully aware of the terms and conditions before signing loan agreements [25][26].