免担保低息急速放贷？谨防被“套路贷”丨天府小妹微普法栏目第二十四期
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d="M11,28.5c0,0-1.6-3.7-2.1-3.7c-0.5-0.1-1.5,3.7-1.5,3.7s-3.5-0.2-3.6,0.4c-0.1,0.6,3.1,1.9,3.1,1.9s-1.2,2.9-0.9,3.2c0.3,0.3,3.2-1.5,3.4-1.6c0.2-0.1,3.6,2.1,3.9,1.8c0.4-0.3-1.2-2.8-1.5-3.4c0,0,3-1.9,2.9-2.2C14.4,28.2,11,28.5,11,28.5z" fill="rgb(217, 162, 97)"></path></g></svg></section></section></section><section class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="" style='margin: -10px 0%;'><section class="" style='text-align: center;color: #ffffff;'><p><span style='font-size: 15px;'>学法守法，构建和谐家庭</span></p><p><span style='font-size: 15px;'>这里是四川省妇联联合</span></p><p><span style='font-size: 15px;'>省依法治省办，省司法厅，省妇儿工委办</span></p><p><span style='font-size: 15px;'>打造的</span><span style='font-size: 15px;color: #31859b;font-size: 15px;'><strong>『天府小妹微普法』</strong><span style='color: rgb(255, 255, 255);'>栏目</span></span></p><p><span style='color: #31859b;font-size: 15px;'><strong>第二十四期</strong></span></p></section></section></section><section class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="" style='margin: 10px 0% -25px;'><section class="" style='max-width: 100%;vertical-align: middle;display: inline-block;overflow: hidden !important;'><svg xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 36 34.3" style='vertical-align: middle;max-width: 100%;' width="36"><g><path d="M12.5,7.2c0-0.9,2.4-4.3,2.1-4.8C14.4,1.9,10,4.6,9.4,4.3C8.8,4.1,5.6-0.3,5.3,0C4.6,0.8,5.6,5.5,5.4,6C5.1,6.5,0.2,7.7,0,8.5c-0.2,0.8,5.5,1.2,5.7,1.8c0.2,0.5,0,5.4,0.9,5.6c0.9,0.2,3.2-4.3,3.6-4.6c0.4-0.3,6.2,1,6.6,0.5C17.3,11.2,12.5,8.1,12.5,7.2z M14.1,10.8c-0.4,0.5-3.6-0.8-4.4-0.5C9,10.6,7.5,14.3,7,14.1C6.4,13.9,7.2,9.7,6.7,9s-3.3-0.3-3.4-1c-0.1-0.7,3-0.8,3.4-1.6C7.1,5.6,5.8,2.2,6.1,2c0.3-0.2,2.5,2.9,3,3.3c0.5,0.4,3.5-1.9,3.6-1.2c0.1,0.7-1.7,2.7-1.6,3.3C11.2,8,14.5,10.3,14.1,10.8z" 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inherit;text-align: inherit;text-decoration: inherit;color: inherit;border-color: rgb(91, 166, 173);box-sizing: border-box;'><section class="135brush" data-bcless="darken" data-brushtype="text" style='display: inline-block;line-height: 1.4em;padding: 5px 10px;height: 32px;vertical-align: top;font-family: inherit;font-weight: bold;float: left;color: inherit;border-color: #36676c;background: #5ba6ad;box-sizing: border-box;'>本期内容</section><section style='display: inline-block;vertical-align: top;width: 0px;height: 0px;border-top: 32px solid #5ba6ad;border-right: 32px solid transparent;border-top-right-radius: 4px;border-bottom-left-radius: 2px;color: inherit;box-sizing: border-box;'></section></section></section></section></section></section><p style='line-height: 1.75em;letter-spacing: 2px;'><span style='font-size: 15px;color: #3f3f3f;'>■ <span style='background-color: rgb(253, 253, 253);'>“套路贷”是什么</span></span></p><p style='line-height: 1.75em;letter-spacing: 2px;'><span style='background-color: rgb(253, 253, 253);font-size: 15px;color: rgb(63, 63, 63);'>■ “套路贷”有哪些常见手段</span></p><p style='line-height: 1.75em;letter-spacing: 2px;'><span style='background-color: rgb(253, 253, 253);font-size: 15px;color: rgb(63, 63, 63);'>■如何降低借款风险</span></p></section></section></section><p>https://res.wx.qq.com/voice/getvoice?mediaid=MzA4MjE4MTgzMl8yNjUxNDE4OTg2第二十四期·天府小妹微普法</p><section class="_135editor" data-tools="135编辑器" data-id="91948" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='text-align:center;'><section style='display:inline-block;width:300px;'><span class="wxart_image" wx-style='display:inline-block;width: 300px;display: inline;'></span></section></section></section><section><section class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="" style='text-align: center;margin-top: 10px;margin-bottom: 10px;'><section class="" 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rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);'></section><section class="" style='border-left: 6px solid #b2dbbf;border-top: 6px solid #b2dbbf;border-right-color: #b2dbbf;border-bottom-color: #b2dbbf;box-sizing: border-box;'><section class="" style='padding: 10px;background-color: #f5f5f5;box-sizing: border-box;'><section class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class=""><section class="" style='text-align: justify;font-size: 15px;line-height: 1.8;letter-spacing: 1px;'><p style='max-width: 100%;min-height: 1em;font-family: Helvetica, Arial, sans-serif;word-break: normal !important;'><span style='font-family: 微软雅黑, Arial, sans-serif;color: #3f3f3f;font-size: 13px;'>○ </span><span style='color: rgb(63, 63, 63);font-family: 微软雅黑;font-size: 13px;'>谢文文，四川省人民检察院公诉一处检察官</span></p><p style='max-width: 100%;min-height: 1em;font-family: Helvetica, Arial, sans-serif;word-break: normal !important;'><span style='color: rgb(63, 63, 63);font-family: 微软雅黑;font-size: 13px;'>○ 省妇联“天府小妹微普法”栏目公益讲师</span></p><p style='max-width: 100%;min-height: 1em;font-family: Helvetica, Arial, sans-serif;word-break: normal !important;'><span style='color: rgb(63, 63, 63);font-family: 微软雅黑;font-size: 13px;'>○ 从事刑事案件办理多年，有丰富的刑事案件办理经验</span></p></section></section></section></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="91773" style='border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box;'></section><section data-role="paragraph" class="_135editor" style='border-width: 0px; border-style: none; border-color: initial; box-sizing: border-box;'></section></section><section class="_135editor" data-tools="135编辑器" data-id="91773" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='padding: 10px;box-sizing: border-box;'><section style='width: 100%;display: flex;display: -webkit-flex;align-items: flex-end;-webkit-align-items: flex-end;justify-content: center;-webkit-justify-content: center;' data-width="100%"><section style='width: 40px;display: flex;display: -webkit-flex;'><section style='width: 16px;height: 16px;border-width: 1px;border-style: solid;border-color: rgb(224, 104, 114);display: -webkit-flex;justify-content: center;align-items: center;margin-right: auto;margin-left: auto;transform: rotate(45deg);'><section style='width: 8px;height: 8px;background-color: #e06872;'></section></section><section style='width: 16px;height: 16px;border-width: 1px;border-style: solid;border-color: rgb(224, 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auto;margin-left: 4px;transform: rotate(45deg);'><section style='width: 8px;height: 8px;background-color: #e06872;'><br></section></section></section></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="_135editor" data-tools="135编辑器" data-id="46" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section data-role="paragraph"><p><br></p><section class="_135editor" data-tools="135编辑器" data-id="46" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="_135editor" data-tools="135编辑器" data-id="46" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='box-sizing: border-box;display: flex;'><section style='display: inline-block;line-height: 20px;vertical-align: top;margin-top: 0.5em;text-align: center;color: inherit;box-sizing: border-box;'><section style='display:inline-block;width:40px;'><span class="wxart_image" wx-style='display:inline-block;border-width: 3px;border-style: solid;border-color: rgb(239, 112, 96);border-radius: 0px;opacity: 1;'></span></section><section class="135brush" data-brushtype="text" style='box-sizing: border-box;color: rgb(63, 63, 63);font-size: 12px;line-height: 30px;letter-spacing: 2px;'><br></section></section><section style='display: inline-block;margin-top: 1.2em;vertical-align: top;width: 20px;padding-top: 10px;padding-bottom: 10px;color: inherit;box-sizing: border-box;'><section style='height: 0px;width: 0px;border-top: 10px solid transparent;border-right: 15px solid #f0a8a8;border-bottom: 10px solid transparent;z-index: 999;box-sizing: border-box;'></section></section><section class="135brush layout" style='color: #fff;display: inline-block;flex:0 0 65%;margin-top: 0.7em;margin-left: -0.4em;padding: 1em;border-radius:0.5em;font-size: 1em;background-color:#f0a8a8;border-color: #d5480b;box-sizing: border-box;'><section style='color: inherit;border-color: rgb(254, 228, 198);box-sizing: border-box;'><span style='font-size: 15px;'><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'>大家好，我是四川省人民检察院公诉一处的检察官谢文文。</p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'>大伙儿都有钱不凑手的时候，你是否曾经有过或者想过向银行之外的机构和个人贷款？那么，这种贷款需要注意些什么？</p></span></section></section></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="91328" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='text-align:center;'><br></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>今天，我来同各位姐妹讲讲</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>最近非常火的一个词语</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>——</span></p><section class="_135editor" data-tools="135编辑器" data-id="93486" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='text-align: center;width: auto;'><section style='display: inline-block;'><section><section class="135brush" data-brushtype="text" style='margin-top:-15px;margin-bottom:18px;'><p><span style='font-size: 15px;color: #3f3f3f;'>套路贷</span></p></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="93264" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="135bg" style='background: url("https://mmbiz.qpic.cn/mmbiz_png/ZRluiaJe4OvwF6dab6DcoBwxu6l7ujHaWD9k4nYgHPlC9xCeeRgbSfE7oR95JrIFXzEaib6fxibYw7NuFibFHXeVqg/640?wx_fmt=png") right bottom / 36px no-repeat rgb(234, 253, 242);color: rgb(1, 138, 135);border-radius: 15px;box-sizing: border-box;'><section class="135brush" style='font-size: 14px;text-align: justify;letter-spacing: 1.5px;line-height: 1.75em;padding: 1em;box-sizing: border-box;'><p style='line-height: 1.75em;'><span style='font-size: 15px;color: #3f3f3f;'>套路贷，放贷人名义上是放贷，实际却将借款人套进还款的无底洞。</span></p></section></section></section><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;margin-top: 15px;'><span style='color: #3f3f3f;font-size: 15px;text-align: justify;'>套路贷都有哪些套路？</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='color: #3f3f3f;font-size: 15px;text-align: justify;'>先看看下面几个案件吧：</span><br></p><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="92630" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;display: flex;justify-content: center;display: -webkit-flex;-webkit-justify-content: center;' data-width="100%"><section style='width: 100%;background: rgb(241, 248, 248);border-radius: 20px;padding-top: 10px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;' data-width="100%"><section style='width: 100%;font-size: 15px;color: rgb(62, 63, 62);line-height: 25px;text-align: justify;letter-spacing: 1px;padding: 10px;box-sizing: border-box;' class="135brush" data-width="100%"><section class="_135editor" data-tools="135编辑器" data-id="93507" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;text-align: center;padding-top: 1em;padding-bottom: 1em;box-sizing: border-box;' data-width="100%"><section style='display:inline-block;'><section class="135brush" data-brushtype="text" style='padding: 4px 3.2em 3px;https://mmbiz.qpic.cn/mmbiz_png/ZRluiaJe4OvwF6dab6DcoBwxu6l7ujHaWclbsGPGm0WtzumicgicXtFsRPl1rzDPKXhCvibRiaQI6PQbmWvwCHbJfOA/640?wx_fmt=png");background-repeat: no-repeat;background-size: 100% 100%;color: rgb(255, 255, 255);letter-spacing: 1.5px;box-sizing: border-box;'>半年52倍利的校园贷</section></section></section></section><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='color: rgb(63, 63, 63);'>若要问大学生家长们心中担忧些什么，“怕孩子偷偷借了校园贷还不上”恐怕要排进前三。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='color: rgb(63, 63, 63);'>“校园贷”问题早被各大媒体报道，花式繁多，后果触目惊心，无需我多言。比如央视曾经报道过一个案件：</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='color: rgb(63, 63, 63);'>一名女大学生，因为想买东西钱不够，不敢问父母要，找到某校园贷平台，以“裸条”的方式快速贷款5000元，按照约定，每周需还利息200多元。可这名女大学生每月生活费才1000元，还了利息就要喝西北风。在出借方的介绍下，她又再次从别的平台上借款还利息，于是越陷越深。仅仅半年时间，5000元利滚利滚到了26万多元。最终，因为无法再继续维持利息，这名女生的裸照被贷款平台发了出来。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='color: rgb(63, 63, 63);'><span class="wxart_image" wx-style='display:inline-block;'></span></span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='color: rgb(63, 63, 63);'>其实，不仅大学生，即使有社会经验的人，一不小心也会陷进套路贷里。</span></p></section><section style='width: 100%;' data-width="100%"><section style='width: 100%;display: flex;justify-content: flex-start;' data-width="100%"><section style='width:35px;margin-left:10px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section></section><section style='width: 100%;display: flex;justify-content: flex-end;margin-top: -55px;margin-left:10px;' data-width="100%"><section style='width:25px;margin-top:35px;margin-right:-14px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section><section style='width:40px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="92151" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="92630" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;display: flex;justify-content: center;display: -webkit-flex;-webkit-justify-content: center;' data-width="100%"><section style='width: 100%;background: rgb(241, 248, 248);border-radius: 20px;padding-top: 10px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;' data-width="100%"><section class="_135editor" data-tools="135编辑器" data-id="93507" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;text-align: center;padding-top: 1em;padding-bottom: 1em;box-sizing: border-box;' data-width="100%"><section style='display:inline-block;'><section class="135brush" data-brushtype="text" style='padding: 4px 3.2em 3px;https://mmbiz.qpic.cn/mmbiz_png/ZRluiaJe4OvwF6dab6DcoBwxu6l7ujHaWclbsGPGm0WtzumicgicXtFsRPl1rzDPKXhCvibRiaQI6PQbmWvwCHbJfOA/640?wx_fmt=png");background-repeat: no-repeat;background-size: 100% 100%;color: rgb(255, 255, 255);font-size: 15px;letter-spacing: 1.5px;box-sizing: border-box;'>强迫你借高利贷</section></section></section></section><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>做个体生意的罗女士最近急需一笔资金周转，可房产已无法再抵押。于是，她向网上一家声称提供免担保低息快贷的“公司”提交了自己的身份信息、财产情况和社会关系。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>两天后，“贷款公司”电话告知罗女士，她的贷款审查已经通过，可以放贷。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>于是，罗女士来到“公司”，签下金额10万元期限半年的借款协议。写好名字，罗女士却发现格式合同里没有约定利息。“业务员”告诉罗女士，按照“公司”规定，考察她提供信息的真伪、保管她填写的资料所需费用要计入利息，月息共计10%。</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>罗女士发现这是家高利贷，转身想走，这时候进来两个自称 “公司”“业务经理”的高大男人。“业务经理”威胁她：签了字协议就已经生效，无论她拿不拿走本金，到期讨债公司都会找她和她的父母家人要债，后果自负。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>罗女士无奈拿走了10万元借款，按约定每月归还1万元的利息。听其他向这家“公司”借了款的人说，有人没按时支付利息被砸烂了家里的家具和电器，还有人没归还到期借款被带走后拘禁、殴打。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>罗女士虽然被迫承担了高息，归还本息后还能脱身，但很多套路贷的放贷人目的可不止收取高额利息那么简单。</span></p><section style='width: 100%;' data-width="100%"><section style='width: 100%;display: flex;justify-content: flex-start;' data-width="100%"><section style='width:35px;margin-left:10px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section></section><section style='width: 100%;display: flex;justify-content: flex-end;margin-top: -55px;margin-left:10px;' data-width="100%"><section style='width:25px;margin-top:35px;margin-right:-14px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section><section style='width:40px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section></section></section></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="92630" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;display: flex;justify-content: center;display: -webkit-flex;-webkit-justify-content: center;' data-width="100%"><section style='width: 100%;background: rgb(241, 248, 248);border-radius: 20px;padding-top: 10px;padding-right: 10px;padding-left: 10px;box-sizing: border-box;' data-width="100%"><section class="_135editor" data-tools="135编辑器" data-id="93507" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='width: 100%;text-align: center;padding-top: 1em;padding-bottom: 1em;box-sizing: border-box;' data-width="100%"><section style='display:inline-block;'><section class="135brush" data-brushtype="text" style='padding: 4px 3.2em 3px;https://mmbiz.qpic.cn/mmbiz_png/ZRluiaJe4OvwF6dab6DcoBwxu6l7ujHaWclbsGPGm0WtzumicgicXtFsRPl1rzDPKXhCvibRiaQI6PQbmWvwCHbJfOA/640?wx_fmt=png");background-repeat: no-repeat;background-size: 100% 100%;color: rgb(255, 255, 255);font-size: 15px;letter-spacing: 1.5px;box-sizing: border-box;'>违不违约我说了算</section></section></section></section><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>刘女士家想贷款，她的丈夫张先生经人介绍联系了一家“贷款公司”，据说提供不扣车、只在借款人轿车上安装GPS的车辆贷款业务。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>张先生签完一堆对方提供的协议后，“贷款公司”将5万元打进了刘女士的卡内。这时，“业务员”又让张先生支付3万元的手续费，并口头保证大部分可退还。之后，对方说要装GPS，把他的进口轿车开走了，可过了一天也没有把车还回来。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'><span class="wxart_image" wx-style='display:inline-block;'></span></span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>张先生只好又和对方联系，对方说张先生已经签订质押合同（张先生不知道质押应扣车），如果反悔，要另支付30%的违约金。为了拿回汽车，张先生只好同意给“违约金”。可碰面后，对方要求先给钱后去取车，张先生担心再次钱去车不归，拒绝了。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>转眼，已经到了一个月的还款期，张先生又去找“贷款公司”想了结此事。对方告诉张先生，必须归还5万元借款的全部本息，否则不退还轿车。张先生最后只好报警。</span></p><section style='width: 100%;' data-width="100%"><section style='width: 100%;display: flex;justify-content: flex-start;' data-width="100%"><section style='width:35px;margin-left:10px;'><br></section></section><section style='width: 100%;display: flex;justify-content: flex-end;margin-top: -55px;margin-left:10px;' data-width="100%"><section style='width:25px;margin-top:35px;margin-right:-14px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section><section style='width:40px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;'></span></section></section></section></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>以上都是真实案件改编</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>实际上，据公开报道</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>已经有被害人“贷款”几万元</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>最后险些损失一套一线城市房产</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;'><span style='font-size: 15px;color: #3f3f3f;'>的案件出现</span></p></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="91328" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='text-align:center;'><section style='display:inline-block;width:300px;'><span class="wxart_image" wx-style='display:inline-block;width: 300px;border-width: 0px;border-style: none;border-color: initial;'></span></section></section></section></section><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>分析套路贷案件</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>它的套路一般分以下几个步骤：</span></p><section class="_135editor" data-tools="135编辑器" data-id="93212" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section><section style='transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='padding-right: 2em;padding-left: 2em;transform: rotate(0deg);'><section style='height: 3em;border-right: 2px solid rgb(122, 58, 144);border-left: 2px solid rgb(122, 58, 144);box-sizing: border-box;'></section></section><section style='display: flex;justify-content: space-between;align-items:flex-end;margin-top:-7px;'><section style='margin-left:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section><section style='margin-right:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section></section></section><section style='padding-right: 5px;padding-bottom: 20px;padding-left: 15px;margin-top: -10px;box-sizing: border-box;'><section data-bgless="spin" data-bglessp="60" style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding-bottom: 8px;border-radius: 5px;background-color: rgb(170, 229, 236);box-sizing: border-box;'><section style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding: 20px 10px 10px;background-color: rgb(254, 254, 254);border-radius: 5px;margin-left: -10px;margin-top: -10px;margin-right: 10px;box-sizing: border-box;'><section class="135brush" data-autoskip="1" style='text-align: justify;font-size: 14px;padding: 10px 5px;line-height: 1.75em;color: rgb(122, 58, 144);text-indent: 2em;box-sizing: border-box;'><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 第一步 </span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 用低贷款门槛吸引目标借款人上钩 </span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>低息、无抵押、快贷是套路贷里的常见词，“业务员”甚至可能暗戳戳的告诉你他有内部关系，能免利息。但往往会加一些限制，身份限制比如大学生，资产限制比如有房、有车。这样，前来借款的人是放贷人精心选定的群体。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>有资产则有利可图，而大学生虽然未必有房有车有业，但当大学生被套牢后，他们的家长可以代为承担高额的贷款本息。</span></p></section></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="93212" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section><section style='transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='padding-right: 2em;padding-left: 2em;transform: rotate(0deg);'><section style='height: 3em;border-right: 2px solid rgb(122, 58, 144);border-left: 2px solid rgb(122, 58, 144);box-sizing: border-box;'></section></section><section style='display: flex;justify-content: space-between;align-items:flex-end;margin-top:-7px;'><section style='margin-left:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section><section style='margin-right:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section></section></section><section style='padding-right: 5px;padding-bottom: 20px;padding-left: 15px;margin-top: -10px;box-sizing: border-box;'><section data-bgless="spin" data-bglessp="60" style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding-bottom: 8px;border-radius: 5px;background-color: rgb(170, 229, 236);box-sizing: border-box;'><section style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding: 20px 10px 10px;background-color: rgb(254, 254, 254);border-radius: 5px;margin-left: -10px;margin-top: -10px;margin-right: 10px;box-sizing: border-box;'><section class="135brush" data-autoskip="1" style='text-align: justify;font-size: 14px;padding: 10px 5px;line-height: 1.75em;color: rgb(122, 58, 144);text-indent: 2em;box-sizing: border-box;'><p style='text-align: center;letter-spacing: 1.5px;line-height: 1.75em;margin-top: 15px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 第二步 </span></p><p style='text-align: center;letter-spacing: 1.5px;line-height: 1.75em;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 以各种方式让借款人签下不利合同 </span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>套路贷出借人提供合同，可以在合同条款中自行规定高额违约金、滞纳金，以及严苛的违约情形，或者干脆与口头约定不符的合同条款。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>而套路贷借款人面对这一情况就可能掉入陷阱，要么像张先生那样没有注意或者没有看懂合同条款的真实意思，要么像罗女士那样遭到威胁不得不签下合同。</span></p></section></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="93212" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section><section style='transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='padding-right: 2em;padding-left: 2em;transform: rotate(0deg);'><section style='height: 3em;border-right: 2px solid #7a3a90;border-left: 2px solid #7a3a90;box-sizing: border-box;'></section></section><section style='display: flex;justify-content: space-between;align-items:flex-end;margin-top:-7px;'><section style='margin-left:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section><section style='margin-right:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section></section></section><section style='padding-right: 5px;padding-bottom: 20px;padding-left: 15px;margin-top: -10px;box-sizing: border-box;'><section data-bgless="spin" data-bglessp="60" style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding-bottom: 8px;border-radius: 5px;background-color: rgb(170, 229, 236);box-sizing: border-box;'><section style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding: 20px 10px 10px;background-color: rgb(254, 254, 254);border-radius: 5px;margin-left: -10px;margin-top: -10px;margin-right: 10px;box-sizing: border-box;'><section class="135brush" data-autoskip="1" style='text-align: justify;font-size: 14px;padding: 10px 5px;line-height: 1.75em;color: #7a3a90;text-indent: 2em;box-sizing: border-box;'><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;margin-top: 15px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 第三步 </span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;text-align: center;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 恶意垒高应还金额 </span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: #3f3f3f;font-size: 15px;'>套路贷放贷人实施了之前两步后，有很多种方法垒高借款人的应还金额，比较常见的有：</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: rgb(61, 170, 214);'><strong><span style='font-size: 15px;'>1、制造银行流水痕迹</span></strong></span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: #3f3f3f;font-size: 15px;'>放贷人通过银行向借款人账户打款，但之后以手续费等名义让借款人返还现金。急需用钱的借款人若照办，可没有合同、转账记录来证明他们退过钱。</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: rgb(61, 170, 214);'><strong><span style='font-size: 15px;'>2、转单平账</span></strong></span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: #3f3f3f;font-size: 15px;'>借款人无法按时归还本息？出借人给他们介绍其他的“贷款公司”。借款人再次贷款用来归还之前的贷款。重复几次，本金越来越多，利息越来越高，最后累积成一笔巨款。</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: rgb(61, 170, 214);'><strong><span style='font-size: 15px;'>3、故意认定违约</span></strong></span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: #3f3f3f;font-size: 15px;'>最典型的一种套路贷手段，就是放贷者在临近还款期时故意失联，让借款人想还钱都不行。等过了还款期限，放贷者再给借款人扣上违约的帽子。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='color: #3f3f3f;font-size: 15px;'>此外，规定苛刻的违约条件、</span><span style='font-size: 15px;color: #3f3f3f;'>随意认定借款人违约也属于此类。</span></p></section></section></section></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>上述几种套路和尚未提到的其他套路</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>可能单独出现</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>也可能是一层套一层的连环套</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>借款人一不小心就得面临巨额债务</span></p></section><section class="_135editor" data-tools="135编辑器" data-id="93212" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section><section style='transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='padding-right: 2em;padding-left: 2em;transform: rotate(0deg);'><section style='height: 3em;border-right: 2px solid rgb(122, 58, 144);border-left: 2px solid rgb(122, 58, 144);box-sizing: border-box;'></section></section><section style='display: flex;justify-content: space-between;align-items:flex-end;margin-top:-7px;'><section style='margin-left:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section><section style='margin-right:1.7em;'><section data-bcless="spin" data-bclessp="120" style='border-width: 2px;border-style: solid;border-color: rgb(122, 58, 144);width: 12px;height: 12px;background: rgb(236, 165, 235);border-radius: 100%;box-sizing: border-box;'></section></section></section></section><section style='padding-right: 5px;padding-bottom: 20px;padding-left: 15px;margin-top: -10px;box-sizing: border-box;'><section data-bgless="spin" data-bglessp="60" style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding-bottom: 8px;border-radius: 5px;background-color: rgb(170, 229, 236);box-sizing: border-box;'><section style='border-width: 1px;border-style: solid;border-color: rgb(51, 51, 51);padding: 20px 10px 10px;background-color: rgb(254, 254, 254);border-radius: 5px;margin-left: -10px;margin-top: -10px;margin-right: 10px;box-sizing: border-box;'><section class="135brush" data-autoskip="1" style='text-align: justify;font-size: 14px;padding: 10px 5px;line-height: 1.75em;color: rgb(122, 58, 144);text-indent: 2em;box-sizing: border-box;'><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 第四步 </span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;text-indent: 0em;'><span style='font-size: 15px;color: rgb(255, 255, 255);background-color: rgb(255, 79, 121);'> 软硬兼施索债 </span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>放贷人想收回的金额远多于借款人最初的心理预期，想要达到目的，非常规手段少不了。</span></p><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;text-indent: 0em;'><span style='font-size: 15px;color: #3f3f3f;'>打、砸、泼油漆、骚扰家人、非法拘禁都是传统方法，不用我讲，相信大家通过影视剧也能有所了解。</span><span style='color: rgb(63, 63, 63);font-size: 15px;text-align: center;text-indent: 2em;'>但套路贷既然叫“套路”，</span><span style='color: rgb(63, 63, 63);font-size: 15px;text-align: center;text-indent: 2em;'>手段自然不止简单粗暴，</span><span style='color: rgb(63, 63, 63);font-size: 15px;text-align: center;text-indent: 2em;'>最新的套路是恶意诉讼。</span></p></section></section></section></section></section></section><section class="_135editor" data-tools="135编辑器" data-id="89224" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;' data-color="#ffebf0" data-custom="#ffebf0"><section class="layout" style='margin:10px auto;'><section style='width:100%;margin-bottom: -30px;text-align:center;' data-width="100%"><section style='width: 64px;height: 64px;background: rgb(254, 254, 254);border-radius: 50%;margin-right: auto;margin-left: auto;display: inline-block;box-sizing: border-box;'><section data-role="width" style='display:inline-block;width:32px;'><span class="wxart_image" wx-style='display:inline-block;margin-top: 18px;width: 32px !important;'></span></section></section></section><section class="135brush" style='font-size: 14px;color: rgb(235, 0, 59);padding: 30px;background-color: rgb(255, 235, 240);border-radius: 10px;margin-top: -16px;box-sizing: border-box;'><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>民事诉讼原则上是“谁主张，谁举证”。因为“贷款公司”将放贷资金写在合同上，又有银行转账记录，而借款人支付的“手续费”、“保证金”却是现金，没有支付的证据，合同也没有约定。</span></p><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>所以“贷款公司”可以到法院提起诉讼，用合同和银行流水证明自己借出了多少钱，借款人却没有办法证明自己已经返还了一部分。法院如根据双方提供的证据只能判出借方胜诉。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p style='margin-top: 15px;text-align: center;'><span style='color: #3f3f3f;font-size: 15px;letter-spacing: 1.5px;text-align: justify;'><span class="wxart_image" wx-style='display:inline-block;font-family: 微软雅黑;font-size: 16px;text-align: center;white-space: normal;width: 300px;border-width: 0px;border-style: none;border-color: initial;'></span></span></p><p style='margin-top: 15px;'><span style='color: #3f3f3f;font-size: 15px;letter-spacing: 1.5px;text-align: justify;'>正常民间借贷能够缓解银行信贷资金不足问题，为急需用钱的个人、小企业解燃眉之急，是市场经济不可或缺的部分，正规小额贷款公司也是如此。</span><br></p></section><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>当然，因为<strong>学生群体社会经验不足、缺乏金融知识，</strong>需要特殊保护，所以<span style='color: rgb(149, 55, 52);'><strong>银监会、教育部、人社部早在去年6月就联合发文要求暂停校园贷业务。</strong></span></span></p><section class="_135editor" data-tools="135编辑器" data-id="89224" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;' data-color="#ffebf0" data-custom="#ffebf0"><section class="layout" style='margin:10px auto;'><section style='width:100%;margin-bottom: -30px;text-align:center;' data-width="100%"><section style='width: 64px;height: 64px;background: rgb(254, 254, 254);border-radius: 50%;margin-right: auto;margin-left: auto;display: inline-block;box-sizing: border-box;'><section data-role="width" style='display:inline-block;width:32px;'><span class="wxart_image" wx-style='display:inline-block;margin-top: 18px;width: 32px !important;'></span></section></section></section><section class="135brush" style='font-size: 14px;color: rgb(235, 0, 59);padding: 30px;background-color: rgb(255, 235, 240);border-radius: 10px;margin-top: -16px;box-sizing: border-box;'><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>但是，拍裸照、利滚利、暴力讨债本身就不可能是正规金融机构、类金融机构的行为，所以这些套路贷者游离于国家正常金融监管之外。</span></p></section></section></section><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>套路贷的危害显而易见</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>司法机关依法严厉打击套路贷</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>维</span><span style='color: rgb(63, 63, 63);font-size: 15px;'>护正常的借贷秩序</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>让有需求者的借钱渠道更加安全</span></p><section class="_135editor" data-tools="135编辑器" data-id="91328" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='text-align:center;'><section style='display:inline-block;width:300px;'><span class="wxart_image" wx-style='display:inline-block;width: 300px;border-width: 0px;border-style: none;border-color: initial;'></span></section></section></section><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>如果想降低借款风险</span></p><p style='text-align: center;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>请收下以下几个小贴示：</span></p><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>1</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 10px;margin-bottom: 10px;'><span style='font-size: 15px;color: #3f3f3f;'>如向机构借款，先审查公司贷款资质。小额贷款公司是类金融机构，需经省政府金融办批准，再由工商部门颁发经营范围包括“小额贷款业务”的营业执照，最后向中国人民银行申领贷款卡。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>2</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='margin-top: 10px;margin-bottom: 10px;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>拒绝违规费用。正规小额贷款公司盈利途径只有利息，不会收取手续费、保证金等费用。如果收取了其他费用，则视为变相利息，或者减少实际本金。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>3</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='line-height: 1.75em;letter-spacing: 1.5px;margin-top: 10px;margin-bottom: 10px;'><span style='font-size: 15px;color: #3f3f3f;'>注意利息上限。无论向小额贷款公司借款还是民间借款，年利率上限为36%，借款人可拒绝支付超过部分。同时，民间借贷利息未超过24%的部分受法律保护，24%-36%的部分由双方自愿约定。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>4</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>签订借款合同前必须仔细阅读合同条款，确定是否与口头约定的内容一致，自己留存一份合同。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>5</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>交给借款方钱款须注意保留证据，比如银行流水、收条，或者网贷的偿还页面等。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="93483" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section style='margin:5px;'><section style='width: 30px; height: 30px; border-width: 1px; border-style: solid; border-color: rgb(245, 65, 95); border-radius: 50%; margin-right: auto; margin-left: auto; text-align: center; line-height: 30px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; transform: rotate(0deg);'><p>6</p></section><section style='font-size: 14px;border-width: 1px;border-style: solid;border-color: rgb(245, 65, 95);border-radius: 10px;box-shadow: rgb(245, 65, 95) 3px 3px 0px;padding: 1em 0.8em;text-align: justify;margin-top: -15px;box-sizing: border-box;' class="135brush"><p style='margin-top: 10px;margin-bottom: 10px;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>遇到犯罪及时报警。犯罪是最严重的违法形式，虽然签订借款合同存在重大误解等情形由民法调整，但行为一旦符合犯罪构成要件、具有社会危害性则构成犯罪。</span></p><p style='margin-top: 10px;margin-bottom: 10px;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;color: #3f3f3f;'>比如本文第一个案件可能构成侮辱罪，第二个案件可能构成强迫交易罪，第三个案件可能构成敲诈勒索罪，虚假诉讼等使用欺骗手段获得违法财物的套路贷可能构成诈骗罪。此外，暴力催收可能构成故意伤害罪、非法拘禁罪、故意毁坏财物罪等等。</span></p></section></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><p><br></p></section><section class="_135editor" data-tools="135编辑器" data-id="88498" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'><section class="layout" style='margin: 1em auto;box-sizing: border-box;'><section style='background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;border-radius: 0.5em;width: 100%;box-sizing: border-box;box-shadow: rgba(0, 0, 0, 0.498039) -3px 3px 5px;margin-right: 5px;margin-left: 5px;' data-width="100%"><section style='background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;width: 1.4em;height: 1.4em;box-sizing: border-box;float: right;border-bottom-left-radius: 0.5em;box-shadow: rgba(0, 0, 0, 0.2) -2px 2px 3px;'></section><section class="135brush" style='padding: 1em 2em 1.5em 1em; color: rgb(254, 254, 254); box-sizing: border-box; line-height: 1.75em;'><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;'><span style='font-size: 15px;'>所以，如果在贷款、还款过程中遭受严重暴力、威胁或者因为被骗而承担意料之外的“债务”，请尽可能保留证据并及时报警。</span></p></section></section></section></section><p style='text-align: justify;line-height: 1.75em;letter-spacing: 1.5px;margin-top: 15px;margin-bottom: 15px;'><span style='font-size: 15px;color: #3f3f3f;'>听众朋友们，本期节目分享到此，请继续关注下期节目。谢谢大家！</span></p></section></section><section data-role="paragraph" class="_135editor" style='border-width: 0px;border-style: none;border-color: initial;box-sizing: border-box;'></section></section></section></section></section><p style='text-align: center;'><span style='letter-spacing: 2px;'><span style='font-size: 15px;color: rgb(136, 136, 136);'>（图片来源网络，侵权联系删除）</span></span></p></div> 谢谢分享 谢谢分享！ 学习！！ 谢谢分享 知道了哦 谢谢分享 谢谢分享 谢谢分享 科普一下