警惕现金贷，背后套路收取高额利率

        近年来，现金贷因为灵活方便、门槛低等优势赢得了很多年轻人的喜爱，很多不同平台的app都宣称快速又低利息，迎合了青年缺钱的心理，宣称只需要一张身份证就能贷款。因为各种现金贷app下载方便，而且贷款无抵押、无担保就吸引了大批的青年，甚至国家明令监管的裸贷也层出不穷。

         很多涉世未深的菜鸟容易被表面的优惠所吸引，其实宣称快捷低息可分期的诱人口号的背后可能是各种各样的套路。有的合同里暗藏玄机，有的是实际到账打折扣，有的是加收手续费和服务费，还有的是变相抬高利率和增加巨额的逾期利率。本文会揭露一些现金贷的套路和常见的行业乱象。  

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

巧立名目抬高利率
        民间借贷根据国家规定，年利率不可以超过36%，然而实际上现金贷的利率却通过各种各样的名目来超过国家标准。曾经就有年轻人借款8万但最后要求偿还26万的案例，最后全家人不得不集体逃债，这种现象的出现源于高额的逾期利率和各种巧立名目的额外费用。

        行业内最常见的现象之一是砍头息，比如某平台借款2000元，宣称月利率1.5%，实际到账却只有1820元，而且要求借贷方三个月要还完总共2478.39元，年利率高达147%。还有的借贷公司是收取周利息，也有的是额外加收服务费，而且如果逾期的利息更是普通利息的几倍。因为大部分年轻人收入不高，尤其是大学生收入来源比较单一的，一旦欠款就很难及时偿还，因此而产生的高额逾期利滚利最终难以偿还。

        现金贷平台层次不齐，但为了盲目追求利益，有些平台就专门钻法律的空子打擦边球，还有的平台之间互相推荐，引导使用者在不同的平台贷款，已经形成相关灰色产业链，类似的还有培训贷，通过教育培训的目的恶意引导消费者申请高利率的贷款。

暴力催收，社会影响恶劣
        一旦接待人无法偿还欠款时候，这些现金贷公司就马上翻脸。因为前期并未对个人信用进行审核，就很容易出现不良贷款，但是暴利又吸引现金贷公司，从而滋生了不同的收款手段。最开始贷款的时候都会提供个人相关信息，比如自己的手机号和家庭住址，当不能还钱时，借贷公司甚至能查询到借款人家人的联系方式进行催收，恐吓接待人。像“裸贷”这样的平台就通过恐吓的方式逼迫借贷人还款，会对借贷人造成巨大的不良影响。

        根据国家互联网金融安全技术专家委员会公布，目前累计发现催收平台380家，涉及催收金额1.14万亿元。国际相关机构互联网金融协会推出了相关规范，3月28日，《互联网金融逾期债务催收自律公约（试行）》，公约中明确要求你催收机构要自律约束，对催收不当划定底线。要求在官网上披露催收方式，并且相关数据要保留5年以上；要求催收不能恐吓、威胁和辱骂债务人，不能频繁给债务人打电话。

         也必须给各位青年提个醒，不能因为贪图眼前的利益而去大量现金贷，应该要理性评估借贷公司的政策是否合理，也要反省自己的偿还能力，不能盲目追求一时的花钱痛快，换来长久的悔恨。对于年轻人来说，如果缺钱可以办理正规国家银行信用卡进行消费，如果有现金需求可以刷pos机，有长达40多天的免息期，而且银行政策清晰，安全有保障，经济不宽裕时可以选择最低还款。