MEDIUM

二手车按揭避坑点

平台：xiaohongshu来源：tikhub_social_month_scan作者：不搞花里胡哨关键词：以租代购退车搜索排名：3发布：-采集：2026-05-23 03:05:08打开原文

2026最新投诉（平安租赁合作） 客户购宝马740Li，首付7.48万、贷25万 。 被私自改成以租代购、本金27万，合

AI 分析

风险等级：MEDIUM

情感：NEUTRAL

分类：社媒风险线索

分公司 / 地域：-

置信度：0.55

摘要：TikHub 月度社媒 API 扫描候选，待人工复核。

判断理由：自采 API 发现，东南台账未收录或未匹配。

建议处置：-

查看原始采集字段

{
  "likes": 5
}

{
  "method": "tikhub_social_month_scan",
  "keyword": "以租代购 退车",
  "platform": "xiaohongshu"
}

{
  "id": "69e9b3f9000000002200ce77",
  "desc": "2026最新投诉（平安租赁合作） 客户购宝马740Li，首付7.48万、贷25万 。 被私自改成以租代购、本金27万，合",
  "type": "normal",
  "user": {
    "images": "https://sns-avatar-qc.xhscdn.com/avatar/1040g2jo31v9r2rn22s605q99rtvgpnu4be90la0?imageView2/2/w/80/format/jpg",
    "red_id": "42081322717",
    "userid": "6929df7f000000000300dfc4",
    "followed": false,
    "nickname": "不搞花里胡哨",
    "track_duration": 0,
    "red_official_verified": false,
    "red_official_verify_type": 0,
    "show_red_official_verify_icon": false
  },
  "liked": false,
  "niced": false,
  "title": "二手车按揭避坑点",
  "method": "tikhub_social_month_scan",
  "geo_info": {
    "distance": ""
  },
  "provider": "tikhub",
  "tag_info": {
    "type": "",
    "title": ""
  },
  "collected": false,
  "has_music": false,
  "timestamp": 1776923641,
  "nice_count": 0,
  "xsec_token": "YBmfiNVoD1NhZFCnsH7omI2X_BlEJhpxRhxz8ZbYQeb8E=",
  "click_score": 0,
  "images_list": [
    {
      "url": "https://sns-na-i11.xhscdn.com/notes_pre_post/1040g3k031v9stj6o40005q99rtvgpnu4545i2jg?imageView2/2/w/576/format/webp/q/87%7CimageMogr2/strip&redImage/frame/0&ap=5&sc=SRH_PRV&sign=2d1dca6fd7f1fe55bf20fc3689253797&t=6a114ee0&origin=0",
      "width": 1279,
      "fileid": "notes_pre_post/1040g3k031v9stj6o40005q99rtvgpnu4545i2jg",
      "height": 1706,
      "original": "",
      "trace_id": "notes_pre_post/1040g3k031v9stj6o40005q99rtvgpnu4545i2jg",
      "url_size_large": "https://sns-na-i11.xhscdn.com/notes_pre_post/1040g3k031v9stj6o40005q99rtvgpnu4545i2jg?imageView2/2/w/1440/format/webp&ap=5&sc=SRH_DTL&sign=2d1dca6fd7f1fe55bf20fc3689253797&t=6a114ee0&origin=0",
      "need_load_original_image": false
    }
  ],
  "liked_count": 5,
  "result_from": "",
  "update_time": 1777044594000,
  "shared_count": 1,
  "comments_count": 1,
  "debug_info_str": "",
  "collected_count": 1,
  "corner_tag_info": [
    {
      "icon": "",
      "text": "RAHOnsXgjSqjxL1wy/IpVyc6UxvqSsPaaxx8kavMkP+hW5BKuRcs5s9SZhyTrnGMmnqNT14na3fBLyBPEOfqZBKs3cZwzRfE1g",
      "type": "ubt_sig_token",
      "style": 0,
      "text_en": "",
      "location": -1
    },
    {
      "icon": "http://picasso-static.xiaohongshu.com/fe-platform/e9b67af62f67d9d6cfac936f96ad10a85fdb868e.png",
      "text": "04-23",
      "type": "publish_time",
      "style": 0,
      "text_en": "04-23",
      "location": 5
    }
  ],
  "note_attributes": [],
  "widgets_context": "{\"flags\":{},\"author_id\":\"6929df7f000000000300dfc4\",\"author_name\":\"不搞花里胡哨\"}",
  "interaction_area": {
    "text": "5",
    "type": 1,
    "status": false
  },
  "last_update_time": 0,
  "cover_image_index": 0,
  "extract_text_enabled": 0,
  "advanced_widgets_groups": {
    "groups": [
      {
        "mode": 1,
        "fetch_types": [
          "guos_test",
          "note_next_step",
          "second_jump_bar",
          "cooperate_binds",
          "note_collection",
          "rec_next_infos",
          "image_stickers",
          "image_filters",
          "product_review",
          "related_search",
          "cooperate_comment_component",
          "image_goods_cards",
          "ads_goods_cards",
          "ads_comment_component",
          "goods_card_v2",
          "image_template",
          "buyable_goods_card_v2",
          "ads_engage_bar",
          "challenge_card",
          "cooperate_engage_bar",
          "guide_post",
          "pgy_comment_component",
          "pgy_engage_bar",
          "bar_below_image",
          "aigc_collection",
          "co_produce",
          "widgets_ndb",
          "next_note_guide",
          "pgy_bbc_exp",
          "async_group",
          "super_activity",
          "widgets_enhance",
          "music_player",
          "soundtrack_player"
        ]
      },
      {
        "mode": 0,
        "fetch_types": [
          "guos_test",
          "vote_stickers",
          "bullet_comment_lead",
          "note_search_box",
          "interact_pk",
          "interact_vote",
          "guide_heuristic",
          "share_to_msg",
          "follow_guide",
          "note_share_prompt_v1",
          "sync_group",
          "group_share",
          "share_guide_bubble",
          "widgets_share",
          "guide_navigator"
        ]
      }
    ]
  }
}