明明贷款600多万元，实际到手却只有500余万元，高达百万元的"服务费"从何而来？ 2023年的某天，北京一家企业的负责人吴某正为面临资金紧张的经营困难而发愁。这时，他接到一个贷 款中介营销电话，该中介许诺可以帮他快速代办低息贷款。贷款中介再三打包票，表示吴某只需要提供 营业执照和身份证，由中介负责帮他优化收入流水，并且"代办业务仅收取2个点的费用，银行贷款利率 不超过5%"。 一是虚假宣传与低息诱导。部分非法贷款中介以"银行关系户"为噱头，利用虚假宣传手段让消费者误以 为能够获得"额度高、利率低"的贷款，实际收取高额服务费。 二是违法包装骗贷。非法中介往往瞄准资质不足的小微企业或征信白户等特定人群，协助借款人虚构工 作单位、贸易合同、银行流水、资产规模等申贷材料；有的中介还勾结银行机构个别员工骗贷，让借款 人沦为"职业背债人"。 三是实施"套路贷"犯罪。这类中介以" 金融消费者一旦陷入非法贷款中介精心设置的陷阱，不仅会面临财产损失、泄露个人信息，甚至违法犯 罪的风险。具体而言，金融机构发现借款人未按照合同规定用途使用贷款资金或不具备贷款资质后，通 常会要求借款人提前归还贷款，借款人若无法提前归还贷款，将影响 ...

Group 1 - Multiple banks in Shenzhen have issued statements regarding a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd., which is accused of impersonating banks to attract customers [1][3] - The involved banks include major institutions such as China Construction Bank, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others, totaling 19 banks that have released related statements [1] - Xin Xin Hui Lin claims to provide services for lowering interest rates and has been promoting itself as a "lower interest station," despite banks denying any partnership with the intermediary [3][4] Group 2 - Regulatory authorities have intervened in the investigation of the loan intermediary's practices, which included misleading advertisements claiming partnerships with various banks [2][4] - Recent regulatory actions have intensified scrutiny on loan assistance platforms, with the Ningxia local financial management bureau revoking the operating qualifications of seven loan intermediaries [4] - A notice was issued by regulatory bodies in April to strengthen the management of internet loan assistance services, set to take effect on October 1 [5]

Core Insights - The article emphasizes that despite the challenging economic environment, there are favorable policies and loan options available for small and medium-sized enterprises (SMEs) in China, with banks offering high loan amounts and low interest rates [1] Group 1: Understanding Business Requirements - Banks typically require a business to have been registered for at least one year, with some products requiring two years [3] - Changes in shareholders, legal representatives, business addresses, and business scope must be documented and understood before applying for loans [3] - Consistency between the registered business address and the operational address is crucial for certain loan products [3] - Some industries are restricted by banks, and understanding the specific requirements of different banks is essential [3] - Tax compliance and the company's tax rating are important factors that influence loan eligibility [3] - The company's debt situation, operational cash flow, and credit history of both the business and its owners must be assessed [3][5] Group 2: Understanding Personal Requirements - Personal circumstances such as marital status and the ability of partners to co-sign loans are important considerations [5] - The credit history of the legal representative and their spouse, as well as any existing debts, must be evaluated [5] - The presence of real estate owned by the legal representative or their spouse can affect loan options [5] - The financial activity of the legal representative, spouse, and shareholders, including bank and digital payment platform transactions, is relevant for loan applications [5] Group 3: Types of Loans Available - Various loan products are available, including online merchant loans, offline merchant loans, small merchant loans, and specialized loans for specific industries [5] - The matching of loan products to the client's specific situation is critical for successful loan acquisition [5]