事关贷款，金融监管总局发布风险提示
<section style="margin-bottom: 0px;"><section powered-by="xiumi.us"><p style="text-align: center;">http://res.app.dawuhanapp.com/c/10021/202405/77d3050bb216f03021c15fb6bccb59f3.jpg</p><p style="text-align: justify;"><strong style="color: rgb(61, 170, 214);font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;letter-spacing: 1px;background-color: rgb(255, 255, 255);text-align: justify;outline: 0px;"><br/></strong></p><p style="text-align: justify;"><strong style="color: rgb(61, 170, 214);font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;letter-spacing: 1px;background-color: rgb(255, 255, 255);text-align: justify;outline: 0px;">金融监管总局发布风险提示：防范“套路运”“套路贷”等各类形式诱骗贷款</strong><br/></p></section></section><p><br/></p><section style="margin-bottom: 0px;"><section powered-by="xiumi.us"><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: 1px;">国家金融监督管理总局5月24日发布风险提示称，近期，有诈骗团伙虚假宣传贷款购买货车“零首付”，借助求职者“急于找到工作”心理，在网上发布“高薪招聘”“实习”等虚假信息，如成立空壳货运公司，用精编的话术诱导应聘司机申请贷款购车“入职”或缴纳加盟费，应聘司机提车后却遭遇接活难、退车难、退款难，最终未获得预期收入却背负大额债务。类似骗局还有假借招聘之名诱骗求职者以职位需要、培训费、材料费、保证金等名目收取各类费用，甚至诱导求职者通过贷款平台贷款支付相关费用。</span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: 1px;">金融监管总局提醒包括求职者在内的广大消费者注意以下事项：</span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="font-size: 17px;letter-spacing: 1px;"><strong style="outline: 0px;"><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);">一是审慎决定是否需要办理贷款业务。</span></strong><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">要提高风险防范意识，从信息发布平台、企业官网、社交媒体等多方面途径对招聘信息进行交叉验证，拒绝各类广告话术诱惑，对超出合理范围的高薪酬待遇、高回报承诺、贷款购买货车“零首付”等保持警惕。审慎评估自身还贷能力，根据自身条件自主决定是否需要办理贷款业务。</span></span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="font-size: 17px;letter-spacing: 1px;"><span style="font-size: 17px;outline: 0px;color: rgb(61, 170, 214);"><strong style="outline: 0px;"><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">二是订立合同前要仔细阅读合同条款。</span></strong></span><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">认真辨别合同实质，区分借款合同以及租赁、买卖等一般民事合同，认真、完整阅读包括权利义务、应付费用、还款要求、违约责任等在内的所有条款，充分了解年化利率、实际费用等综合借贷成本，警惕不断花样翻新的格式条款陷阱，不在他人的诱惑或催促下贸然签订合同，不随意授权他人代为办理，防止误签、误贷等导致财产损失。</span></span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="font-size: 17px;letter-spacing: 1px;"><span style="font-size: 17px;outline: 0px;color: rgb(61, 170, 214);"><strong style="outline: 0px;"><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">三是办理贷款前要确认贷款机构是否具备放贷资质。</span></strong></span><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">银行保险机构应具备金融监管部门发放的相关许可证，消费者可通过金融监管总局金融许可证信息系统查询相关许可证信息。小额贷款公司等地方金融组织应具备地方金融管理机构发放的经营许可证或者认可的业务资质，且在经依法批准的区域范围内开展业务。消费者应关注相关机构金融许可证、经营许可证等明确的业务范围，避免从不具备放贷资质的机构办理贷款或者具备资质的机构超经营范围办理贷款。在接到金融机构信贷审核电话时，如实回答问题，避免在他人诱导下提供不实信息。</span></span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="font-size: 17px;letter-spacing: 1px;"><strong style="outline: 0px;"><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);">四是使用互联网网站、应用程序、小程序及其他线上平台时应谨慎操作。</span></strong><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">使用互联网平台贷款时应认真阅读页面上的提示内容，明确相关法律后果，审慎进行人脸识别或电子签名。在使用电子平台购物或进行其他操作时，留意默认勾选选项，不轻易勾选“领取保障”“自动续费”等选项，避免因为一时大意而开通平台关联的贷款业务。</span></span></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><br/></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);line-height: 2em;"><span style="font-size: 17px;letter-spacing: 1px;"><strong style="outline: 0px;"><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);">五是警惕“免费”“零首付”“限时”等营销词汇和宣传套路。</span></strong><span style="font-size: 17px;outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;">注意识别非法金融广告，警惕不当诱导，拒绝过度负债，培养理性消费观念。贷款合同签订后，应当珍惜个人信用，按时依约还款。</span></span></section><p><span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.544px;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;text-align: left;caret-color: transparent;line-height: 0px;"></span><br/></p></section></section><section style="white-space: normal;box-sizing: border-box;font-size: 16px;margin-bottom: 0px;"><section powered-by="xiumi.us" style="margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;"><section style="height: 1px;background-color: rgb(160, 160, 160);box-sizing: border-box;line-height: 2em;"><br/></section></section></section><p><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; caret-color: transparent;">来源：</span><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; caret-color: transparent; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: rgb(255, 255, 255);"><span style="outline: 0px;letter-spacing: 0.544px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">湖北发布 </span></span><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; caret-color: transparent; outline: 0px; background-color: rgb(255, 255, 255);">新华社</span><br/></p><p style="margin: 0cm 0cm 0.0001pt;white-space: normal;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: left;line-height: normal;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;max-width: 100%;color: rgb(136, 136, 136);font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;">制作：罗贝 | </span><span style="color: rgb(136, 136, 136);letter-spacing: 0.544px;font-size: 14px;">编辑：熊霞 | </span><span style="letter-spacing: 0.544px;color: rgb(136, 136, 136);font-size: 14px;">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt;white-space: normal;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: left;line-height: normal;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.544px;max-width: 100%;line-height: 19.2pt;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="letter-spacing: 0.544px;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="letter-spacing: 0.544px;"><span style="max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">出品：</span></strong>蔡甸区融媒体中心</span></strong></span></p><p style="margin: 0cm 0cm 0.0001pt;white-space: normal;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: center;line-height: normal;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;max-width: 100%;color: rgb(136, 136, 136);font-size: 14px;box-sizing: border-box !important;overflow-wrap: break-word !important;">您有新闻线索，请联系我们：</span></p><p style="margin: 0cm 0cm 0.0001pt;white-space: normal;max-width: 100%;min-height: 1em;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-align: left;line-height: normal;box-sizing: border-box 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