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買張火車票卻稀里糊涂變貸款人,莫讓消費貸成“套路貸”
作者:齊志明 來源:人民日報 時間:2019-5-29 11:11:06 點擊數:(0)0

在票務平臺上買了張火車票,卻被平臺默認綁定某消費貸產品來分期付款,購票者糊里糊涂變成貸款人;在網購平臺一鍵下單進入支付環節,平臺自動置頂推薦其自行開發的消費貸入口,如果你不小心用上它,就在不知不覺中背上一筆新的還貸任務……

最近,不少消費者都碰到過莫名“被消費貸”情況,除了訂票購物,在生活繳費、醫療美容、手機充值、教育培訓等日常高頻消費場景中,也有不少類似案例。由于消費者不知情或者信息知曉不完整,一旦沒有及時發現,不僅需要額外支付不菲利息、逾期費,逾期還貸還會導致個人征信記錄受損,這讓某些“消費貸”異化為“套路貸”“陷阱貸”。

當前,借唄、花唄、白條、任意付等網絡消費貸十分流行。其初衷旨在解決消費者暫時性金融資源不足、助力消費者更好更快實現緊迫性消費需求。憑借無抵押貸款等優勢,消費貸市場被視為一片“藍海”。有報告顯示,當前我國消費金融市場規模接近6萬億元,預計2020年可超12萬億元。

一些消費貸為何卻成為“套路貸”?原來,一些平臺不顧消費者知情權、自主選擇權、公平交易權等合法權益,涉嫌以欺詐、誘導等手段來推廣消費貸,牟取不當利益;使用中,消費者還可能面臨平臺方制造逾期、惡意催收、補貼消失、服務突然終止等風險。比如,有的平臺消費貸平均年利率高達63%,但依然獲客不少,其“竅門”在于,大多數借款人在借款前并不知道還存在手續費、服務費等諸多隱性收費;另外,這些平臺往往都是以日利率或每月還款額等信息進行宣傳,卻不清楚告知年利率畸高的真相。

按理說,分期消費是一個多方共贏的過程:消費者能花更少的即時支出買到中意的產品或服務;網絡平臺找到流量變現的快速通道;銀行得到貸款新增長點……但現實中,利益天平往往向后幾方主體傾斜,消費者利益容易被忽視。一些消費貸漠視消費者權益,靠坑蒙拐騙等不當手段運營,注定走不遠。

解決一些消費貸成“套路貸”的亂象,要從加強監管與行業自律兩方面來抓。

對于監管部門而言,應實現全流程監管,要求消費貸各個環節的從業主體依法合規運營:牌照是否健全、有無場景依托、利率是否在合理區間、有無虛假宣傳等等,每個環節都嚴格審查,一旦發現存在欺詐誤導、暴力催收等違法行徑,應嚴厲打擊。同時,加快完善消費信貸法律法規與政策,適當提高業務辦理資格門檻。

對于行業自身來說,網絡平臺等應嚴格遵守電子商務法關于禁止“搭售”“默認勾選”等規定,牢牢把住誠信經營的底線,保護消費者知情權。不妨建立更為規范的買賣合同訂立流程,強化銷售方信息披露義務;相關企業要強化信息安全與消費者信息保護,不得濫用消費者授權。

【責任編輯:馬越

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