新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China

“套路贷”的套路

2017-09-13 07:31:23   中国经济网

虚高合同&走流水

“您好,请问您需要贷款吗?”生活中,一些人常接到此类主动提供贷款服务的电话。或许,这些电话除了来自于中介公司和正规小额贷款公司外,电话的背后或许也有“套路贷”的犯罪团伙。“套路贷”的陷阱就在我们身边。

在上海高院公布的案例中,家住上海市的杭飞(化名)就是从看到微信朋友圈中的一条信息开始,掉入“套路贷”的陷阱。原本只想借款3000元,仅一年后,杭飞被诈骗团伙卖掉一套价值194万元的房子来还欠款。

2015年1月中旬,时年17岁的杭飞在朋友圈看到一条消息:“16岁以上未成年人只要凭一张身份证,即可在当天拿到3000-5000元的放贷,因为你是未成年人,无需还贷,无需负法律责任。”出于贪小便宜的心态,杭飞加了对方微信。

当月24日,一家馄饨店里,杭飞见到了放贷的傅某、郝某等人,在他们的诱骗下,小杭借款4万元。而后,杭飞通过王某、唐某认识了瞿某。经过商谈,决定由瞿某作为资方向杭飞放贷4万元。

第二天,瞿某和唐某通过银行给杭飞打款16万元,但是实际上,杭飞拿到手的仅仅只有5000元。

杭飞又按照瞿某的要求,当场从16万中取了12万元现金还给了瞿某,剩下的4万元交给了傅某等人。傅某、郝某、朱某等人现场瓜分了其中的3.5万元作为中介费。杭飞实际仅拿了5000元。

其实,这个过程,就是瞿某等人“空放”高利贷16万元给杭飞。“空放”,简单来说就是无抵押、无担保的贷款,也就是高利贷。一位从事“空放”3年的网友介绍,“空放”最重要的就是看有没有房子。

而打款给杭飞账户16万元,这一举措正是“套路贷”中所谓的“走账”,为日后他们的追债留下银行流水的“证据”。

此时,涉世未深的杭飞始终认为自己是未成年人,拿到的5000元不用负法律责任。

借款之后的半年,杭飞过得风平浪静,也没有人来催促他还款,杭飞也只当占到了点便宜,没把房子的事放在心上。直到他刚刚过完18岁生日的几天,瞿某等人打着要债的旗号再次出现。

瞿某告诉杭飞,他所借的16万元经过这几个月,“利滚利”已达90万元,逼迫杭飞还款。

直到此时,“套路贷”的诈骗形式已经形成,不过这仅仅是初级的“套路贷”。

法治周末记者采访了解到,至少在5年前,这种诈骗形式就已经存在。放贷人通过以“贷款利息”“违约金”“保证金”等各种名目骗取被害人签订“虚高借款合同”“阴阳合同”等,并制造银行流水。此后,放贷人可以凭借合同、流水等证据去法院、公安处提起诉讼或报案。

上一页2/4下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20170913/31379214_2.html
Server: cms-8-251
Date: 2024/06/17 13:10:18

Powered by China
China