A packaged loan is a regular loan. Usually refers to the so-called packaging upgrade of customers' own credit through various illegal means, so as to borrow money from banks and other financial institutions, and then earn the difference. The customer finally got only a small part, but owed a large loan to the bank.

Since the state cracked down on "routine loans", many "black-hearted" loan companies have been punished as they should, and advertisements such as "quick loan payment and credit stain" have disappeared from the market.

However, the reporter of China Business Daily noticed that the number of black intermediaries charging huge packaging fees in the name of "packaging loans" has increased. Black intermediaries "package" people in need of loans into executives of shell companies, and at the same time lend them money in the form of wages, forming a flowing bank. After "packaging" their qualifications, they will continue to lend to financial institutions.

2065438+09129 October, 19, Guangdong Provincial Public Security Bureau issued a document to be on guard against this kind of fraud. In the published cases, some of the deceived people were loaned 915,000 yuan and only got 45,000 yuan. The National Business Daily reporter searched for the keyword "packaged loan" and found that such advertisements were not uncommon on the Internet, but after clicking on it, they jumped to the online loan platform.