On May 30, special repair work heads Internet banking venture group office (punish of gold of each other of the following abbreviation does) to P2P network group of leader of special repair work allotted leasehold risk " about submitting to to be opposite part " cash is borrowed " platform strengthens superintendency case " , point out " partial platform is answered through the mobile phone hire violate compasses put borrow, build service of carry out member and commodity to covert forcibly drive up interest rate, ill will sends borrower exceed the time limit, false shop again resell is put borrow wait for a method, escape superintend, covert begin ' cash is borrowed ' business, entrap financial consumer " .
Punish of each other gold does point out, in of all kinds " waists-coat " cash borrows smooth Taichun, answer with the mobile phone hire a situation to put borrowed platform the most rampant, the amount exceeds 100, register client millions person, mostly cause client lock decides an undergraduate, interest rate abnormal is tall, general year change interest rate to be in 300% above, exceed 1000% even individually.
Reporter with " time hire " the search in be key word to use a store in the apple, find numerous and similar loan APP. Be in the name is " cash reclaims " on APP, " daily economy news " reporter discovery, what its use is " loan supermarket " mode, recommended numerous tape " reclaim " the loan platform of 2 words, for example " fast reclaim - mobile phone loan " show, the forehead spends 800 yuan to go to 10 thousand yuan, in installment deadline is 1 to 7 days, application condition is year full 19 one full year of life, have a mobile phone 6 reach above; "Wang Zhe reclaims " show " have a mobile phone 5000 cash second arrives Zhang " ; "Piggy reclaims " show, loan specified amount is spent go to 3000 yuan for 700 yuan, deadline 1 arrive 7 days, application condition above of 18 one full year of life, have a mobile phone 6.
Do with punish of each other gold those who call-over is happy time hire platform to be exemple, the mobile phone is answered hire a form to put borrow, first in order to assess the value (namely loan amount) answer expropriation door mobile phone, answer the mobile phone next hire an user, agree with the client hire deadline (namely loan time limit) and expire counter-purchase the price (namely reimbursement amount) counter-purchase price prep above to reclaim price share and relevant " assess fee " , " the service is expended " etc add up, essence is loan interest namely.
"Waists-coat " violate the 2nd kind when cash borrows platform compasses be, carry out is built in loan process other goods, covert drive up interest rate. Partial platform asks loan client deals with member card, high price to buy commodity to wait forcibly, covert drive up interest rate if " M09 credence purse " the member blocks the price 199 yuan, period of efficacy 7 days, be like user loan 2000 yuan, 14 days want reimbursement 2028 yuan, name year change lead 36 ％ ; If calculate,go up the cost that buy check, actual year change rate be as high as 291.9 ％ . Be like again bank city borrower Gao Mou is in Jia Ding fast in borrowing platform loan process, need to buy what market price is 40 yuan to fry pan with 300 yuan price first.
The 3rd kind violates compasses circumstance to be, cause borrower exceed the time limit intentionally, charge of exceed the time limit of collection high specified number. Consumption of commonweal sex Internet complains service platform " 21 get together complain " comb discovery, in May 1~15 day, this orgnaization is received similar complain 21, involve 13 networks leasehold smooth close. Relevant platform is buckled not automatically delimit loan, borrower makes money actively platform reimbursement failure. After loan exceed the time limit, smooth close return to normal, the phone informs his of exceed the time limit, the cost of exceed the time limit with very high collection.
The reporter notices, in get together complain platform to go up, what wrap about MO9 credit fund is effective complained a quantity to achieve 459, complain concentration to be urged in force close, bought a membership however cannot on the problem such as loan. Have complain an user to express, "MO9 credence purse says, buy a member to affirm can loan, but after buying a membership however cannot loan, indication morrow before dawn submits application again, but morrow before dawn submits application also is same cannot loan, customer service phone also is hit be illogical " . Complain user check scheme to show, the second card fee of MO9 credence purse is 368 yuan, 30 days are restricted loan 2, the month blocks charge to be 499 yuan, 30 days of loan are not restricted frequency.
In addition, still platform is passed shop phonily again resell extends loan. If 51 lightning are bought,wait smooth close introduce false shopping setting, the sheet below the user buys goods, but need not pay payment for goods, immediate application refund or resell change now, fund can be obtained after resell is successful; Platform earns defer to pay cost and resell match cost.
To afore-mentioned random elephants, punish of each other gold does submit to to be in " cash is borrowed " in special repair work, undertake clearing rectifying.
Daily economy news
