前段时间电视剧《扫黑风暴》热播，剧中美丽贷因涉嫌套路贷，被警方连窝端掉的情节给人留下深刻印象。类似的骗局在现实生活中也时有上演，有时候甚至更危险、更隐秘，威胁着消费者的人身和财产安全。

 

9月27日，国家广播电视总局办公厅发布关于停止播出“美容贷”及类似广告的通知，正式宣告将“美容贷”及类似广告关入“禁闭室”，要求各广播电视和网络视听机构、平台一律停止播出“美容贷”及类似广告。

 

Commercials for "beauty loans," which commonly allow mostly young clients to undergo cosmetic¹ 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.

国家广播电视总局9月27日通知，禁止在电视、广播或网络上播放“美容贷”商业广告。美容贷主要针对年轻客户群体，通常是为他们提供先治疗再付费的服务，但随后收取高于承诺的利息。

 

追求美没有错，但美容贷并不美。美容贷又称美丽贷、整容贷、医美贷，本质上属于套路贷的一种。一些不良商家或机构抓住一些人求美心切的心理，推出违法违规的美容贷产品，并利用涉嫌虚假宣传的广告误导消费者，导致消费者的权益受到侵害。

 

The administration said many such ads promoted over-consumption and were "deceptive," enticing² people with phrases such as "free surgery" but neglecting to mention the true interest costs.

广电总局表示，许多此类广告宣传过度消费，具有“欺骗性”，用“免费手术”等词语吸引大众，但却忽略了真正的利息成本。

 

“先美丽，后买单”“0利息0首付变美丽”，一些美容贷广告，涉嫌虚假宣传、欺骗和误导消费者；一些医美机构以低息甚至无息诱骗消费者办理美容贷，但实际上有的贷款利率极高，有的人变美未成却“贷”入深渊……“美丽陷阱”套路重重，引发诸多现实悲剧。

 

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%.

“美容贷”已经存在多年，与近年被禁止的“校园贷”类似。校园贷针对的是囊中羞涩的大学生，让他们背上债务负担。9月28日，《中国青年报》报道了一个案例，一名年轻女性申请贷款支付整容手术费用，但没有被告知年化利率高达27%。

 

Lian You, a Beijing-based lawyer specialized³ in civil and commercial contract disputes, told Sixth Tone that banning ads for beauty loans could be an effective way to thwart⁴ the companies behind them. He added that clinics often work together with loan providers only to later vanish and leave customers in debt.

北京一位专门处理民事和商业合同纠纷的律师连佑（音译）告诉《第六声》，禁止美容贷广告可能是挫败背后公司的有效途径。他还称，医美诊所经常与贷款提供方合作，但却在事后脱身，让客户负债累累。

 

Fueled by celebrity⁵ 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 noted⁶ 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体的推动下，国内缺乏监管的医美市场正在迅速扩张。艾瑞咨询公司预测，到2023年，医美市场的价值将超过3000亿元人民币，但该公司同时指出，与13000家合法经营的诊所相比，中国有80000家未注册的整形美容企业。

 

With complaints about plastic surgery mishaps⁷ increasing, the government has begun taking steps to rein⁸ in the industry. Last month, a different department published plans to prohibit cosmetic surgery ads that played on people's insecurities.

随着有关整形手术事故的投诉不断增加，政府已开始采取措施对行业进行管控。上个月，另一政府部门发布了关于禁止医美广告制造容貌焦虑的规定。

 

无论包装得多漂亮，不合规的美容贷都难改丑陋本色。美容贷的假面背后是不法分子赤裸裸的丑陋动机——唯利是图。此次广电总局出手，要求停播美容贷及类似广告，让其在广播电视和网络视听平台销声匿迹，无疑是对美容贷乱象的有力打击，有助于为消费者守好安全门。

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