近期，专职从事贷款中介业务的老吴遭遇了一件糟心事—— 在发布了一条关于"xx贷款不看查询，不看负债"的朋友圈后，其微信账号被封，系统提示其"金融违规"。 庆幸当时只被封了几分钟，后来又可以登陆。 系统还提示，如果再有此操作将会被永久封号。 不只是老吴一个人有此遭遇。 另一位渠道中介在发布了一些营销宣传后，账号同样遭遇被封。 该渠道中介的微信出现了如下提示： 种种迹象表明，微信的重拳正挥向"贷款中介"。 一场针对金融类营销的清洗与重塑正在微信平台拉开序幕。 微信此操作，对于数百万贷款渠道中介来说，绝对是致命的影响。 2024年，北京大学普惠金融与法律监管研究基地相关调研报告显示，全国大约有将近150-200万信贷中介从业人群，还不包括使用插车、电销、陌拜、派 单等展业方式的，具体从业人数无法精准统计。 01 贷款中介的未来 老吴从事贷款中介工作已经超10年，主要推广小微企业贷款。 最早依靠地推的形式，也就是走街串巷陌拜，以及四处散发小卡片的形式宣传自己的业务。 后来累积了一定的资源后，开了自己的公司，接一些对公的合作—— 上游合作一些小贷公司、金科公司，下游对接一些电销公司、小型的个人中介。 虽然贷款中介一直备 ...

"职业背债"骗局。非法贷款中介以"高额回报""无需偿债务"等话术为诱饵，吸引特定目标人群，通过虚 构工作单位、收入流水、资产规模等手段"包装"客户申贷资料，骗取银行信贷资金，最终中介抽取高额 分成，将债务和风险全部转由背债人承担。 北京商报讯（记者 孟凡霞 实习记者 周义力）9月19日，北京金融监管局发布消费者风险提示称，近年 来，非法贷款中介乱象已成为金融领域"黑灰产"的主要表现之一。非法贷款中介通过虚假承诺、违法包 装、恶意垒债等手段，不仅侵害广大消费者的合法权益，推高融资成本，而且严重扰乱金融市场秩序， 加大金融风险隐患。北京金融监管局提醒广大消费者：远离非法贷款中介，珍惜个人信用，不轻信、不 盲从，避免因小失大。 根据风险提示，非法贷款中介乱象典型陷阱主要有以下六种，其中包括，合同误导骗签字。非法贷款中 介在与消费者签署合同时，故意遮挡或隐瞒对消费者不利的条款，误导消费者签署合同，或故意不填写 贷款费率、还款日期等关键信息，诱导消费者签字，待正式合同盖章完毕，消费者才发现费率、还款日 期等信息与面谈时不一致。 低息引诱骗钱财。非法贷款中介首先抛出年化利率约为2%、3%的低息产品吸引消费者，然后在办理过 ...

Core Viewpoint - The Beijing Financial Regulatory Bureau has issued a consumer risk warning regarding the rampant illegal loan intermediary practices that have become a major manifestation of "black and gray industries" in the financial sector [1] Summary by Categories Illegal Loan Intermediary Traps - The typical traps of illegal loan intermediaries include misleading contract signing, where they obscure or hide unfavorable terms, leading consumers to sign contracts without understanding the true costs [1] - Low-interest bait is used to attract consumers, initially offering annual interest rates around 2% to 3%, but later imposing fees that exceed 10% or even 20% during the processing [2] - The AB scheme involves requiring a loan applicant (A) to have a friend or relative (B) apply for a loan, placing the repayment responsibility on B, which can lead to financial loss if A defaults [2] - The "professional debt" scam targets specific groups by promising high returns and no repayment obligations, while fabricating financial documents to secure loans, leaving the debt burden on the borrower [2] - Post-loan scams involve intermediaries contacting consumers under the guise of bank management, claiming non-compliance and demanding immediate repayment, often leading to high service fees [3] - Malicious inquiries are made to increase the number of credit checks on consumers, complicating their ability to secure legitimate loans, while intermediaries impose additional fees [3] Consumer Protection Recommendations - Consumers are advised to be vigilant against misleading promotions and to avoid trusting unsolicited communications regarding debt restructuring or optimization [3] - It is recommended that consumers assess their income and spending capabilities realistically and seek financial services through legitimate institutions [3] - Protecting personal information is crucial; consumers should safeguard sensitive documents and avoid delegating financial tasks to others to prevent data breaches [3] - Consumers should report any doubts about financial services through official channels and preserve evidence if they fall victim to illegal loan intermediaries [4]

Core Viewpoint - The article highlights the increasing prevalence of illegal loan intermediaries that exploit consumers by promising quick loans with low interest rates, ultimately leading to significant financial losses and legal risks for borrowers [1][2][3]. Group 1: Illegal Loan Intermediaries - Illegal loan intermediaries use deceptive marketing tactics such as "quick approval" and "low interest rates" to attract consumers, often charging exorbitant service fees [2][3]. - These intermediaries frequently engage in unlawful practices, including fabricating loan application materials and colluding with bank employees to facilitate fraudulent loans [2][3]. - The phenomenon of "套路贷" (loan scams) is prevalent, where intermediaries create traps for consumers, leading to financial losses and potential legal repercussions for borrowers [3]. Group 2: Consumer Protection Measures - Financial regulatory authorities have intensified efforts to combat illegal loan intermediaries to protect consumer rights [4]. - Consumers are advised to seek financing services from legitimate institutions and verify the credentials of intermediaries through official channels [4]. - It is crucial for consumers to thoroughly understand the terms of any loan agreement, including interest rates and repayment conditions, to avoid falling victim to scams [4][5].

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]