前段時間電視劇《掃黑風暴》熱播，劇中美麗貸因涉嫌套路貸，被警方連窩端掉的情節(jié)給人留下深刻印象。類似的騙局在現(xiàn)實生活中也時有上演，有時候甚至更危險、更隱秘，威脅著消費者的人身和財產(chǎn)安全。

9月27日，國家廣播電視總局辦公廳發(fā)布關于停止播出“美容貸”及類似廣告的通知，正式宣告將“美容貸”及類似廣告關入“禁閉室”，要求各廣播電視和網(wǎng)絡視聽機構、平臺一律停止播出“美容貸”及類似廣告。

Commercials for “beauty loans,” which commonly allow mostly young clients to undergo cosmetic treatments with no up-front payments but then hit them with higher-than-promised interest rates, can no longer be aired on TV, radio, or online, China’s National Radio and Television Administration announced on Monday.
國家廣播電視總局9月27日通知，禁止在電視、廣播或網(wǎng)絡上播放“美容貸”商業(yè)廣告。美容貸主要針對年輕客戶群體，通常是為他們提供先治療再付費的服務，但隨后收取高于承諾的利息。

追求美沒有錯，但美容貸并不美。美容貸又稱美麗貸、整容貸、醫(yī)美貸，本質上屬于套路貸的一種。一些不良商家或機構抓住一些人求美心切的心理，推出違法違規(guī)的美容貸產(chǎn)品，并利用涉嫌虛假宣傳的廣告誤導消費者，導致消費者的權益受到侵害。

The administration said many such ads promoted over-consumption and were “deceptive,” enticing people with phrases such as “free surgery” but neglecting to mention the true interest costs.
廣電總局表示，許多此類廣告宣傳過度消費，具有“欺騙性”，用“免費手術”等詞語吸引大眾，但卻忽略了真正的利息成本。

“先美麗，后買單”“0利息0首付變美麗”，一些美容貸廣告，涉嫌虛假宣傳、欺騙和誤導消費者；一些醫(yī)美機構以低息甚至無息誘騙消費者辦理美容貸，但實際上有的貸款利率極高，有的人變美未成卻“貸”入深淵……“美麗陷阱”套路重重，引發(fā)諸多現(xiàn)實悲劇。

Such schemes have existed for years and are similar to recently banned “campus loans,” which targeted cash-strapped university students and then trapped them in debt. On Tuesday, China Youth Daily, the Chinese Youth League’s newspaper, reported on a case where a young woman took out a loan to pay for cosmetic surgery but wasn’t told the annualized interest rate would be as high as 27%.
“美容貸”已經(jīng)存在多年，與近年被禁止的“校園貸”類似。校園貸針對的是囊中羞澀的大學生，讓他們背上債務負擔。9月28日，《中國青年報》報道了一個案例，一名年輕女性申請貸款支付整容手術費用，但沒有被告知年化利率高達27%。

Lian You, a Beijing-based lawyer specialized in civil and commercial contract disputes, told Sixth Tone that banning ads for beauty loans could be an effective way to thwart the companies behind them. He added that clinics often work together with loan providers only to later vanish and leave customers in debt.
北京一位專門處理民事和商業(yè)合同糾紛的律師連佑（音譯）告訴《第六聲》，禁止美容貸廣告可能是挫敗背后公司的有效途徑。他還稱，醫(yī)美診所經(jīng)常與貸款提供方合作，但卻在事后脫身，讓客戶負債累累。

Fueled by celebrity worship and social media, China’s under-regulated plastic surgery market is expanding rapidly. Consultancy iResearch predicts that it will be worth over 300 billion yuan ($46 billion) by 2023, but in the same report noted that, compared to 13,000 legally operating clinics, there were 80,000 unregistered cosmetic surgery businesses in the country.
在名人崇拜和社交媒體的推動下，國內(nèi)缺乏監(jiān)管的醫(yī)美市場正在迅速擴張。艾瑞咨詢公司預測，到2023年，醫(yī)美市場的價值將超過3000億元人民幣，但該公司同時指出，與13000家合法經(jīng)營的診所相比，中國有80000家未注冊的整形美容企業(yè)。

With complaints about plastic surgery mishaps increasing, the government has begun taking steps to rein in the industry. Last month, a different department published plans to prohibit cosmetic surgery ads that played on people’s insecurities.
隨著有關整形手術事故的投訴不斷增加，政府已開始采取措施對行業(yè)進行管控。上個月，另一政府部門發(fā)布了關于禁止醫(yī)美廣告制造容貌焦慮的規(guī)定。

無論包裝得多漂亮，不合規(guī)的美容貸都難改丑陋本色。美容貸的假面背后是不法分子赤裸裸的丑陋動機——唯利是圖。此次廣電總局出手，要求停播美容貸及類似廣告，讓其在廣播電視和網(wǎng)絡視聽平臺銷聲匿跡，無疑是對美容貸亂象的有力打擊，有助于為消費者守好安全門。

來源：Sixth tone，《廣州日報》
編輯：董靜