第3章 利用技术手般操控利率使借款人陷入困境

with the rapid growth of these apps, a dark underbelly of financial wrongdoing began to emerge.

Detective Zhang, a renowned investigator with a reputation for solving plex financial crimes, was assigned to a high-profile case involving one of the leading loan apps in the city. The app, known as "E-ZLoan," was suspected of engaging in illegal lending practices, resulting in crippling debt for many borrowers.

As Detective Zhang delved deeper into the case, he realized that E-ZLoan was targeting vulnerable individuals who were desperate for financial assistance. The app intentionally hid exorbitant interest rates, burying them in plicated terms and conditions. This predatory lending was a clear violation of the country's financial regulations.

To gather evidence, Detective Zhang posed as a struggling borrower and applied for a loan through the E-ZLoan app. He meticulously documented each step of the process, from the application to the disbursement of funds. With ever

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