Beijing youth signs up for on June 13 message, near future of association of gold of Chinese each other monitors discovery, there still are partial orgnaization or platform now " change wear waists-coat " , answer with the mobile phone hire, shop phonily again the form such as resell changes to continue to extend loan, some still is borrowing money through building carry out forcibly the membership serves in the process and commodity means coverts drive up interest rate. Among them, answer with the mobile phone hire a form the most rampant, "Time hire borrow " relevant platform already exceeded 100, register client millions person, lock of most cause client is an undergraduate surely.
Heavy fist of branch be superintendencied attacks " cash is borrowed " platform is used unexpectedly " change wear waists-coat " the method attempts to escape superintend. Association of Chinese Internet banking released a message to say yesterday, the near future has partial orgnaization or platform is answered with the mobile phone hire, shop phonily again the form such as resell coverts extend " cash is borrowed " , cause borrower intentionally even to form exceed the time limit. This association appeals consumer is careful choice platform, reason is dealt with leasehold.
Phenomenon
Partial platform " change wear waists-coat " covert extend " cash is borrowed "
Since last year, national finance superintends a branch to publish relevant document early or late, made clear a standard " cash is borrowed " wait for a network the administrative demand of leasehold behavior, strengthen right " cash is borrowed " the venture that the superintendency of business dissolves his to form stage by stage, maintained the stability of social finance order.
But near future of association of gold of Chinese each other monitors discovery, there still are partial orgnaization or platform now " change wear waists-coat " , answer with the mobile phone hire, shop phonily again the form such as resell changes to continue to extend loan, some still is borrowing money through building carry out forcibly the membership serves in the process and commodity means coverts drive up interest rate. Particularly abominable is, discovery has a few platform to cause borrower intentionally to form exceed the time limit with charge of exceed the time limit of collection high specified number, severely enroach on the rights and interests of financial consumer.
Investigation
Mobile phone " time hire borrow " platform year change interest rate to be as high as 1832%
Sign up for a reporter to understand according to Beijing youth, at present cash borrows pattern to be renovated ceaselessly, "Perpetrate a gigantic fraud " escape superintend. Among them, answer with the mobile phone hire a form the most rampant, "Time hire borrow " relevant platform already exceeded 100, register client millions person, lock of most cause client is an undergraduate surely, interest rate abnormal is tall, general year change interest rate to be in 300% above, exceed 1000% even individually.
Some platform are answered with the mobile phone hire a form to extend loan. Be like " hire some time " platform, 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 " namely loan interest. For instance mobile phone appraisal 1000 yuan, need pays 260 yuan to assess fee, to Zhang 740 yuan, reimbursement needs however after 7 days 1000 yuan. With this computation, its loan year change interest rate to be as high as 1832% , borrow than the cash previously even tall.
Some platform build carry out in loan process other goods, covert drive up interest rate. Be like " such-and-such 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 if calculate,change interest rate 36%; on the cost that buy check, actual year change interest rate to be as high as 291.9% .
Through shopping phonily again resell extends the operation of loan is, platform introduces false shopping setting, the sheet below the user buys goods, but need not pay payment for goods, immediate application refund or resell change now, capital; platform can be obtained to earn defer to pay after resell is successful cost and resell match cost.
The most abominable is to some of platform causes borrower exceed the time limit intentionally, charge of exceed the time limit of collection high specified number. For instance some platform are buckled not automatically delimit loan, borrower makes money actively platform reimbursement failure. After loan exceed the time limit, platform returns to normal, the phone informs his of exceed the time limit, the cost of exceed the time limit with very high collection.
[clew] the orgnaization that discovery begins loan professional work without aptitude should be informed against
Association of gold of Chinese each other appeals, each member unit and relevant orgnaization should comply with law manage, did not obtain lawfully manage put the orgnaization that lends business intelligence, must not covert with any forms begin loan professional work; Have put the orgnaization that lends intelligence to should scrupulously abide by industry self-discipline to ask legally, strengthen interior management actively, extend loan should accord with a country relevant law laws and regulations and policy requirement, those who put an end to any coverting to raise cost of exceed the time limit of interest rate, baleful collection violate compasses act. Answer to fulfill financial consumer to teach obligation seriously at the same time, begin information exposure according to the facts, to ceasing cost price undertakes the key hints, must not accept with publicizing revulsive finance consumer falsely with its risk acknowledge and reimbursement bear the product that ability does not accord with and service.
In addition, association of gold of Chinese each other still asks broad consumer to strengthen financial knowledge study, enhance ego to protect consciousness, answer to read contract article seriously when purchasing relevant product and service, keep is relevant evidence, legitimate rights and interests is killed by damage, can advocate rights and interests through legal measure; If discovery does not have those who put the orgnaization that lends intelligence to begin loan professional work illegally, consumer ought to be informed against to superintendency branch or association of Chinese Internet banking, commit a crime to be suspected of breaking the law among them, ought to report a case to the security authorities in time to public security orgnaization.
(Primary problem is " about a hundred " time hire borrow " platform lock decides an undergraduate " )
