近年來，現金貸因為靈活方便、門檻低等優勢贏得了很多年輕人的喜愛，很多不同平臺的app都宣稱快速又低利息，迎合了青年缺錢的心理，宣稱只需要一張身份證就能貸款。因為各種現金貸app下載方便，而且貸款無抵押、無擔保就吸引了大批的青年，甚至國家明令監管的裸貸也層出不窮。

         很多涉世未深的菜鳥容易被表面的優惠所吸引，其實宣稱快捷低息可分期的誘人口號的背后可能是各種各樣的套路。有的合同里暗藏玄機，有的是實際到賬打折扣，有的是加收手續費和服務費，還有的是變相抬高利率和增加巨額的逾期利率。本文會揭露一些現金貸的套路和常見的行業亂象。  

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

巧立名目抬高利率
        民間借貸根據國家規定，年利率不可以超過36%，然而實際上現金貸的利率卻通過各種各樣的名目來超過國家標準。曾經就有年輕人借款8萬但最后要求償還26萬的案例，最后全家人不得不集體逃債，這種現象的出現源于高額的逾期利率和各種巧立名目的額外費用。

        行業內最常見的現象之一是砍頭息，比如某平臺借款2000元，宣稱月利率1.5%，實際到賬卻只有1820元，而且要求借貸方三個月要還完總共2478.39元，年利率高達147%。還有的借貸公司是收取周利息，也有的是額外加收服務費，而且如果逾期的利息更是普通利息的幾倍。因為大部分年輕人收入不高，尤其是大學生收入來源比較單一的，一旦欠款就很難及時償還，因此而產生的高額逾期利滾利最終難以償還。

        現金貸平臺層次不齊，但為了盲目追求利益，有些平臺就專門鉆法律的空子打擦邊球，還有的平臺之間互相推薦，引導使用者在不同的平臺貸款，已經形成相關灰色產業鏈，類似的還有培訓貸，通過教育培訓的目的惡意引導消費者申請高利率的貸款。

暴力催收，社會影響惡劣
        一旦接待人無法償還欠款時候，這些現金貸公司就馬上翻臉。因為前期并未對個人信用進行審核，就很容易出現不良貸款，但是暴利又吸引現金貸公司，從而滋生了不同的收款手段。最開始貸款的時候都會提供個人相關信息，比如自己的手機號和家庭住址，當不能還錢時，借貸公司甚至能查詢到借款人家人的聯系方式進行催收，恐嚇接待人。像“裸貸”這樣的平臺就通過恐嚇的方式逼迫借貸人還款，會對借貸人造成巨大的不良影響。

        根據國家互聯網金融安全技術專家委員會公布，目前累計發現催收平臺380家，涉及催收金額1.14萬億元。國際相關機構互聯網金融協會推出了相關規范，3月28日，《互聯網金融逾期債務催收自律公約（試行）》，公約中明確要求你催收機構要自律約束，對催收不當劃定底線。要求在官網上披露催收方式，并且相關數據要保留5年以上；要求催收不能恐嚇、威脅和辱罵債務人，不能頻繁給債務人打電話。

         也必須給各位青年提個醒，不能因為貪圖眼前的利益而去大量現金貸，應該要理性評估借貸公司的政策是否合理，也要反省自己的償還能力，不能盲目追求一時的花錢痛快，換來長久的悔恨。對于年輕人來說，如果缺錢可以辦理正規國家銀行信用卡進行消費，如果有現金需求可以刷pos機，有長達40多天的免息期，而且銀行政策清晰，安全有保障，經濟不寬裕時可以選擇最低還款。