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警惕网络平台诱导过度借贷 切勿“以贷养贷”
程婕北京青年报发布时间:2021年01月05日 09:14:07

(网经社讯)银保监会发布风险提示:所谓“零利息”并不等于零成本

警惕网络平台诱导过度借贷 切勿“以贷养贷”

近年来,一些网络平台为招揽客户,通过各类网络消费场景,过度营销贷款或类信用卡透支等金融产品,诱导过度消费。昨日,中国银保监会消费者权益保护局发布2020年第六期风险提示,提醒广大消费者:要树立理性消费观,合理使用借贷产品,选择正规机构、正规渠道获取金融服务,警惕过度借贷营销背后隐藏的风险或。

YINBAOJIANHUITISHI,ZHEIXIEWANGLUOPINGTAIXINXIPILUBUDANG,CUNZAIXIAOSHOUWUDAOFENGXIAN。YIXIEJIGOUHUOWANGLUOPINGTAIZAIXUANCHUANSHI,PIANMIANQIANGDIAORIXIDI、YOUMIANXIQI、KELINGXIFENQIDENGYOUHOUTIAOJIAN。RANER,SUOWEI“LINGLIXI”BINGBUDENGYULINGCHENGBEN,WANGWANGHAIYOU“FUWUFEI”“SHOUXUFEI”“YUQIJIFEI”DENG,CILEICHANPINXIFEIDESHIJIZONGHENIANHUALILVSHUIPINGKENENGHENGAO。BUFENYINGXIAOGUYIMOHUJIEDAISHIJICHENGBENDEXINGWEI,QINHAILEXIAOFEIZHEZHIQINGQUAN,RONGYIRANGRENCHANSHENGCUOWULIJIEHUORENSHI。

FENGXIANTISHIZHICHU,YOUXIEPINGTAIGUODUBAOZHUANGYINGXIAO,RANGXIAOFEIZHEXIANRUMANGMUWUJIEZHIXIAOFEIXIANJING。YOUQIYIDUIJINRONGZHISHIBORUORENQUN、MEIYOUWENDINGSHOURULAIYUANDEQINGSHAONIANDENGCHANSHENGWUDAO。

YOUDEWEICHENGNIANREN、QINGSHAONIANZAIWANGLUOPINGTAIJIEQIANHOU,JIMINGXINGDABANG、JIZI、BAOCHANG、SONG“FENSIYINGYUANLI”,“JIEDAIZHUIXING”XIANXIANGMANYAN。MANGMUJIEDAI、MANGMUXIAOFEIZHONGHUIQINHAIJINRONGXIAOFEIZHEZISHENQUANYI。

利用“土味”“奇葩”广告套取客户信息

HAIYOUXIEPINGTAIGUODUSHOUJI、LANYONGKEHUXINXI,CUNZAIGERENXINXISHIYONGBUDANGHEXIELUFENGXIAN。FENGXIANTISHIZHICHU,YIXIEWANGLUOPINGTAIDEWANGDAIYINGXIAOWANGGUXIAOFEIZHELIYI,LIYONG“TUWEI”“QIPA”GUANGGAOXIYINLIULIANG,TAOQUKEHUXINXI。ZAIYINGXIAOHUOJIEDAIGUOCHENGZHONG,TONGGUOGUANGGAOYEMIANGUODUSHOUJIBINGLANYONGKEHUXINXI,SHENZHIZAIXIAOFEIZHEBUZHIQINGDEQINGKUANGXIA,JIANGKEHUXINXIZAIPINGTAIFANG、DAIKUANJIGOU、CHUZIFANGDENGZHIJIANLIUZHUAN,QINHAILEXIAOFEIZHEXINXIANQUANQUAN。

FENGXIANTISHIZHICHU,YIXIEWANGLUOPINGTAIXUANCHENGDAIKUANSHOUXUJIANDAN,YOUHUOXIAOFEIZHEDIANJIBANLI,YOUDEJIGOUSHENZHIJIWEICHENGNIANREN、ZAIXIAOXUESHENG、DISHOURURENQUNDENGGUODUFANGDAI,JINXINGBAOLICUISHOU,MAOCHONGSIFAJIGUANEYICUISHOU,ZHENDUIJIEKUANRENQINSHUPENGYOUJINXINGCUISHOU,YINFAYIXILIEJIATINGHESHEHUIWENTI。

切勿“以贷养贷”“多头借贷”

ZHENDUIZHEIXIEGUODUJIEDAIXIAOFEIYINGXIAOXINGWEI,ZHONGGUOYINBAOJIANHUIXIAOFEIZHEQUANYIBAOHUJUTIXINGGUANGDAXIAOFEIZHE:YAOJIANCHICONGSHIJIXUQIUCHUFA,SHULILIANGRUWEICHUDELIXINGXIAOFEIGUAN,YUANLIGUODUJIEDAIXIAOFEIYINGXIAOXIANJING。

TONGSHI,YAOHELISHIYONGJIEDAICHANPIN,QIEWU“YIDAIYANGDAI”“DUOTOUJIEDAI”。FENGXIANTISHIZHICHU,TIANXIAMEIYOUMIANFEIDEWUCAN。XIAOFEIZHEYINGLEJIEWANGLUOPINGTAIDAIKUAN、LEIXINYONGKATOUZHIJIFENQIDENGJIEDAICHANPIN,ZHIXIJIEDAIXIFEIJIAGE、QIXIAN、HAIKUANFANGSHIDENGYUZISHENQUANYIMIQIEXIANGGUANDEZHONGYAOXINXI,JINGTIYIXIEJIGOUHUOPINGTAISUOWEI“MIANXI”“LINGLIXI”DEPIANMIANXUANCHUAN。HELIFAHUIJIEDAICHANPINZUOYONG,SHULIFUZERENDEJIEDAIYISHI,BUYAOGUODUYILAIJIEDAIXIAOFEI,GENGBUYAO“YIDAIYANGDAI”“DUOTOUJIEDAI”。

此外,一定要选择正规机构、正规渠道借贷。注意查验相关机构是否具备经营资质,防范非法金融活动侵害。对不明的电话、链接、邮件推销行为保持警惕,不随意点击不明链接,不在可疑网站提供个人重要信息,增强个人信息保护意识,防范诈骗风险和个人信息泄露风险。



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