原标题：【深度】年利率440%、60多个马甲．．．．．．助贷新规之后，月系融担产品浮出水面 智通财经记者 | 何柳颖 助贷新规实施之后，部分被清退的用户涌向月系融担产品。 月系融担指向的是借款周期短，期限多为1个月或更短，融资担保公司参与，平台借助牌照支持，将高利率包装为担保费的借贷产品。此类产品综合年化利 率高企，用户则多为借新还旧的多头借贷者。 有助贷人士告诉智通财经记者，目前合规的平台基本都没有此类产品，"风险大于收益没必要"。 而在业内人士看来，该现象也是行业整顿期间预计会发生的，"需求不会因为限制了贷款利率上限而消失"，有消金人士如是告诉智通财经记者。 值得警惕的是，当前风险更甚的黑网贷、租机贷等高息贷款乱象亦在滋生。 "此类产品的综合融资成本明显超出了年利率24%的限制，触及法律红线。如消费者想要进行贷款，建议选择合法合规的贷款渠道与机构，审慎阅读贷款合 同，要求贷款机构明确告知贷款综合成本，根据自身偿还能力确定贷款金额。"北京市京都律师事务所合伙人刘红玉向智通财经记者强调。 60余个马甲 "借款4000元，15天一期，分两期还款，每期还款金额为2032元+担保费700元，总还款金额为5465元， ...

Core Viewpoint - The "rent machine loan" model is revealed to be a high-interest loan scam disguised as a technology rental service, with annual interest rates reaching up to 400% or more, far exceeding legal limits [1][13]. Group 1: Scam Mechanism - The "rent machine loan" involves users renting phones from platforms that do not legally transfer ownership, leading to hidden fees and exorbitant interest rates [7][9]. - Users are often misled into believing they are making a profitable transaction, only to find themselves in severe debt due to high rental costs and fees [6][12]. - A case study of a user named Ms. Jiang illustrates the deceptive nature of this scheme, where she ended up owing 420,000 yuan after initially receiving only 59,000 yuan [5][6]. Group 2: Legal and Social Implications - The scam not only results in financial loss but also poses threats to personal privacy, as some platforms illegally collect users' contact information, leading to harassment and potential fraud [13]. - The issue of violent debt collection practices has become increasingly serious, disrupting social order and endangering public safety [13]. - A recent court case in Shanghai highlighted the legal ramifications of such scams, with a perpetrator sentenced to over a year in prison and fined 1 million yuan for operating this fraudulent scheme [14].