Hidden trap of forced deduction in loan assistance: Shanchao Technology is reported for forced charges. Who is allowing the rights service providers to "harvest" borrowers?

（Source: 大鱼财经 Studio）

At present, the loan facilitation (assist-to-loan) industry is in a phase of transformation and adjustment, with all kinds of illegal and chaotic practices frequently occurring. Among them, “being forcibly charged by a third party after taking out a loan” has become a particularly severe problem area for consumer complaints on the 【Download Black Cat Complaint Client】.

New Yellow River · 大鱼财经 reporter learned from complaint platforms such as Black Cat Complaint and Consumer Protection that, Shanghai Shanchao Information Technology Co., Ltd. (hereinafter “Shanchao Tech”) has recently triggered a wave of complaints after repeatedly quietly deducting membership fees from borrowers via assist-to-loan platforms such as Tongcheng Yurong and Jinyinghua. What this reflects behind the scenes is an industry ailment in which assist-to-loan platforms and rights service providers collude to “harvest” borrowers.

The “Provisions on Explicitly Disclosing Comprehensive Financing Costs for Personal Loan Business” clearly requires that when all kinds of lending institutions carry out personal loan business, they must itemize and explicitly disclose to borrowers the specific cost components, the collection methods, the collection standards, and the collection entities. It also makes clear that: other than the cost components already explicitly disclosed, lending institutions and their cooperating institutions may not charge borrowers any other interest or fees related to the loan.

As a rights service provider, why is Shanchao Tech able to charge borrowers forcibly with the help of multiple assist-to-loan platforms? What kind of interest chain is hidden behind this billing chaos that spans assist-to-loan platforms and rights service providers?

Centralized complaints expose the “hidden fee deduction” playbook

Data from the Black Cat Complaint platform show that within the past 30 days, Shanchao Tech-related complaints totaled 54 cases. Multiple consumers reported that they had no knowledge of the relevant charges before the deduction, and that customer service refused refunds in their cases. Default pre-checks and forced bundling are its main methods to carry out deductions.

Its fee-deduction channels mainly operate by connecting multiple third-party payment institutions. Based on complaint cases and industry information, the core cooperating third-party payment institutions include UnionPay Tonglian, Baofoo Payment, and Ebao Payment, among others.

A consumer complaint stated that after applying for a loan in the Tongcheng App, the consumer was charged 199 yuan for an unknown reason within ten minutes. Shanchao Tech’s customer service responded that the fee was the VIP membership fee for clicking to recharge via a quick channel, and that no refund would be provided. However, the consumer stated clearly that they did not notice any content related to Shanhchao membership or quick borrowing.

Image source: Screenshot from the Black Cat Complaint platform

On the Consumer Protection platform, another consumer also encountered a similar predicament. The consumer said that on January 7, 2026, when the consumer applied for a consumer loan via Tongcheng Yurong, the platform did not explicitly disclose “Juxiang Card” as an independent paid service in a prominent manner. Instead, it forced bundling through default selections and hidden checkbox selections, resulting in the consumer being automatically charged a 171-yuan “Juxiang Card” fee without knowing it and without having given explicit consent.

Image source: Screenshot from the Consumer Protection platform

After discovering the improper fee deductions, the consumer contacted Tongcheng Finance and Shanchao Tech’s customer service immediately to request a refund of the fees. Even though the consumer clearly stated that they had not activated or used any “Juxiang Card” benefits, the counterpart still refused to process the refund on the grounds that “the rights had taken effect” and “the agreement had been signed.”

Besides UnionPay Tonglian, Baofoo Payment is also an important channel through which Shanchao Tech carries out improper fee deductions. According to data on the Black Cat Complaint platform, some consumers reported that on March 16, 2026, a bank card with the last digits 9408 belonging to ICBC was deducted 199 yuan by Shanchao Tech via Baofoo Payment without any reason. The complainant said they did not authorize the transaction and did not make any purchase, and demanded a refund and the disabling of the auto-debit permission.

More concerning is that for some platforms, the fee deduction is not a one-time action, but continuous deductions for the first few months after the loan is taken.

A consumer’s complaint this January showed that on December 23, 2025, when the consumer borrowed on the Jinyinghua platform, they were forced to bind membership benefits. Subsequently, Shanchao Tech deducted the first month’s fee of 466.46 yuan and the next month’s 181.4 yuan on the consumer’s behalf. At present, 907 yuan in membership service fees is still pending payment.

Image source: Screenshot from the Consumer Protection platform

These frequent complaints reveal the key harm behind hidden fee deductions—membership fees that appear to be modest for a single transaction, when stacked with the interest of the loan itself, can cause the borrower’s comprehensive financing cost to surge significantly, even exceeding the compliant upper limit set by regulation.

The harm of hidden fee deductions: comprehensive annualized interest rate far exceeds the compliant cap

A reporter noted that Shanchao Tech’s hidden fee deductions, in essence, raise borrowers’ comprehensive financing costs through a method of “nominal compliance and implicit add-on charges.” In some loans, the actual annualized interest rate has already far exceeded the compliant cap of 24%.

On the Black Cat Complaint platform, one consumer reported that they had borrowed multiple times on the Yundouhua platform. Among them, for a loan disbursed on January 4, 2026, with a principal of 12,000 yuan and monthly repayments of 1,134.72 yuan over a 12-installment term, the IRR calculator indicates that the loan’s nominal annual interest rate was 24%.

But the consumer said that after the loan was successfully disbursed to their account, an 811.02-yuan membership fee was immediately deducted. Starting from February, the consumer would have a 315.4-yuan membership fee automatically deducted every month as well, and this membership fee needed to be deducted for 6 months continuously. Using an IRR calculation formula, New Yellow River · 大鱼财经 estimated that the loan’s actual comprehensive annualized cost was about 69.4%, far above the compliant upper limit of 24%.

In the complaint, the consumer clearly demanded that the platform cancel subsequent membership fee deductions, refund the membership fees that had already been debited by Shanchao Tech, and refund the portion of the loan’s interest that exceeded 24%.

Image source: Screenshot from the Black Cat Complaint platform

Shanchao Tech’s improper conduct is not an isolated incident. Its business model shows a clear deviation from its own positioning, which also reflects the “gray survival” state of some rights service providers during the assist-to-loan industry’s transformation period.

Public information shows that Shanchao Tech was established in 2023. The legal representative and the largest shareholder is Yang Jianing. According to information on recruitment platforms, the company publicly claims that it mainly provides rights services to financial institutions, as well as integrated solutions such as installment shopping malls. But judging from the complaint cases, its actual business appears to be more focused on collecting membership fees through implicit bundling in cooperation with assist-to-loan platforms—essentially it has become a “de facto fee-charging tool.”

It is worth noting that the surge in forced-debit complaints triggered by Shanchao Tech is not the action of a single enterprise, but a microcosm of the chaos in the assist-to-loan industry during its transformation period.

Against the backdrop of stricter regulation and industry reshuffling, some assist-to-loan platforms, to maintain revenue, collude with third-party rights service providers to “harvest” borrowers through hidden fee deductions, forced bundling, and other methods. This phenomenon has already shown a spreading trend, and multiple institutions have already been drawn into it.

Previously, New Yellow River · 大鱼财经 reported that the Qing songrong platform had also used a similar model with a rights service provider, Shenzhen Lizhi Yunfu Technology Co., Ltd., to charge consumers high membership fees, causing borrowers to bear an excessively high comprehensive financing cost—operations similar to Shanchao Tech.

Recently, the phenomenon of assist-to-loan platforms deducting high membership fees from borrowers after disbursing loans by third-party companies has received attention from multiple media outlets.

For example, on March 24, a consumer reported to the Guangdong Minsheng Hotline that on March 21, 2026, they borrowed 19,800 yuan on the 58 Haojie platform. Within less than an hour after the loan, Shantai Network deducted 1,500 yuan from the consumer via Ebao Payment. The consumer said they had no knowledge of the deduction.

When the program host tried to contact 58 Haojie customer service and asked why Shantai Network, as a third party, could deduct money from the consumer’s account, customer service only said that the two sides were partners, and did not provide detailed explanations about the specific cooperation model before hanging up.

This attitude of avoiding responses further highlights the opacity in the cooperation between assist-to-loan platforms and third-party rights service providers, and also increases regulatory difficulty for such chaos.

Who is allowing chaos to grow?

According to information available, the emergence of such chaos cannot be separated from the “tacit cooperation” of three parties. Shanchao Tech, as a membership rights service provider, uses “implicit bundling” and “forced fee deductions” to build its own profits on the basis of violating consumers’ right to be informed and their right to choose, which goes against the principle of market fairness;

As traffic entry points, assist-to-loan platforms such as Tongcheng Yurong and Jinyinghua fail to fulfill their obligations for partnership review and their obligation to inform consumers, and may even be suspected of profit sharing, becoming a breeding ground for such chaos;

Third-party payment institutions such as UnionPay Tonglian and Baofoo Payment provide deduction channels to Shanchao Tech in violation of regulations, and do not strictly fulfill customer authorization review obligations.

Recently, regarding forced deduction issues raised in complaints by multiple consumers, New Yellow River · 大鱼财经 has sent interview letters to the operating entity Shanghai Zhili Fang Information Technology Co., Ltd. of Tongcheng Yurong and to Shanghai Shanchao Information Technology Co., Ltd. As of the time this article was released, it has not yet received responses from both parties.

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