韩国警方捣毁非法放贷网络：202人被抓、8人被拘留，最高年利率36500%、借20万韩元当天要还40万
韩国京畿南部警察厅11月11日宣布，警方捣毁一个非法放贷网络，共抓获202人并移送检方，其中包括6个犯罪组织的头目在内共有8人已被拘留。警方说，该网络向8000多名普通民众与弱势群体非法放贷，收取的利息最高折合年利率36500%。
警方说，涉案人员自2022年1月至2026年8月，在没有登记借贷业资格的情况下，在首尔、京畿、江原、大邱、釜山等地向8049人放贷33348次，总额285亿韩元，仅利息一项就非法获利226亿韩元。此次被抓的202人中，非法放贷业者59人、个人信息流通商1人、非法登记的借贷从业者142人。
据警方调查，这个网络先通过 Telegram 等渠道买来个人信息，再以非面对面的小额短期贷款为名接近急需用钱的人。借款一旦逾期，每天要收5万至6万韩元的延长费，或者每小时1万韩元的滞纳金，折算成年利率最高达36500%，相当于借20万韩元、当天就要还40万韩元。还不上钱的人会被诱导向同一组织旗下的另一家公司再借钱来还旧债，催收时还以掌握其家人联系方式相威胁。据韩国媒体报道，有一名受害者先后借款约6亿韩元，光利息就付了约8亿韩元。
警方在搜查中查扣了现金1.6亿韩元、价值约3000万韩元的名牌手表4件、价值约1700万韩元的贵金属9件，以及手机和电脑等电子设备121台，并对36名嫌疑人共164亿韩元的犯罪收益申请了起诉前追缴保全。警方表示，这起案件是与京畿福祉财团的非法金融受害支援团队合作展开调查后，陆续将涉案人员抓获的。
（来源：韩联社）
South Korean Police Bust Illegal Lending Network: 202 Arrested, 8 Detained, Rates Up to 36,500% a Year as 200,000 Won Borrowed Demanded 400,000 Back the Same Day
South Korea's Gyeonggi Nambu Provincial Police Agency announced on November 11 that police had broken up an illegal lending network, arresting 202 people and referring them to prosecutors, with eight of them, including the heads of six criminal organizations, placed in detention. Police said the network made illegal loans to more than 8,000 ordinary people and vulnerable borrowers, charging interest equivalent to as much as 36,500 percent a year.
Police said that from January 2022 to August 2026, operating without a registered lending business, the suspects made 33,348 loans totaling 28.5 billion won to 8,049 people in Seoul, Gyeonggi, Gangwon, Daegu, Busan and elsewhere, taking 22.6 billion won in interest alone as illegal profit. The 202 people arrested include 59 illegal lending operators, one dealer in personal information and 142 illegally registered lending-business operators.
According to the police investigation, the network first bought personal information through channels such as Telegram, then approached people in urgent need of money with offers of small, short-term, non-face-to-face loans. Once a borrower fell behind, the network charged an extension fee of 50,000 to 60,000 won a day or a late fee of 10,000 won an hour, equivalent to an annual rate of up to 36,500 percent, the level of demanding 400,000 won back the same day on a 200,000 won loan. Borrowers who could not pay were induced to borrow again from another company under the same organization to repay the old debt, and collectors threatened them using family contact details they held. South Korean media reported that one victim borrowed about 600 million won over time and paid about 800 million won in interest alone.
In their searches, police seized 160 million won in cash, four luxury watches worth about 30 million won, nine pieces of precious metal worth about 17 million won, and 121 electronic devices including mobile phones and computers, and applied for pre-indictment preservation for confiscation of 16.4 billion won in criminal proceeds held by 36 suspects. Police said the arrests were made one after another after an investigation conducted together with the illegal-finance victim support team of the Gyeonggi Welfare Foundation.
(Source: Yonhap News Agency)
来源：韩联社
发布：GSM·美国（发布链接）
图片来源：图：韩国警察（资料图）。照片：hojusaram，CC BY-SA 2.0，经 Wikimedia Commons。 / Photo: South Korean police officers (file photo). Photo by hojusaram, CC BY-SA 2.0, via Wikimedia Commons.
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