原标题：360借条诱导用户过度借贷，利率高于LPR标准4倍被指套路贷
来源 | 产品可靠性报告
今年以来，中国银保监会消费者权益保护局发布两期风险提示，均对诱导消费者过度借贷的现象予以警示。在2022年首期风险提示中明确提到：一些机构或平台基于自身大数据资源优势对消费者行为数据进行分析和滥用，引导甚至操纵消费者需求，比如不顾消费者综合授信额度、还款能力、还款来源等情况，一味地诱导消费者借贷...
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