Disguised "cash loan" big book reproduction locked highest rates of childhood noble 1800%

Mutual Guild: There are some organizations or platforms to mobile phones and leaseback, and then sold fake shopping and other forms of payment in disguise "cash loan" hundreds "leaseback loan" platform locking students Chinese mutual Guild recent monitoring found that there are still some institutions or platform "change into vest" to lease back the phone, and then sold fake shopping and other forms of disguise continues to make loans, and some are still in the process of the loan disguised by forcibly tying member services and commodities ramping。Among them, the most prevalent form of mobile phones and leaseback "leaseback loan" related platform has more than 100 registered customers millions of people, the majority of target customers locked for college students。  The regulatory authorities cracked down hard on the "cash loan" platform actually used "change into a vest" means to attempt to escape regulation。China Internet Association yesterday released financial news that recently some institutions or platforms to mobile phones and leaseback, and then sold fake shopping and other forms of payment in disguise "cash loans" or even deliberately causing the formation of overdue borrowers。The association urged consumers to carefully choose the platform, rational handling loans。  Phenomenon part of the platform "change into a vest" disguised paid "cash loan" Since last year, the country's financial regulatory authorities have issued relevant documents, defined the standard "cash loans" and other lending practices of network management requirements, strengthen the supervision of "cash loan" business and gradually defuse the risk of its formation, maintain social stability of the financial order。  But China Gold Association recently mutual monitoring found that there are still some institutions or platforms "to change into vest" to lease back the phone, and then sold fake shopping and other forms of disguise continues to make loans, and some are still forced loan process by tying Member services and goods disguised way to raise。Particularly harsh was found that a small number of platforms intentional infliction borrower fails to form a charge exorbitant late fees, finance seriously against the interests of consumers。  Phone survey "leaseback loan" platform annualized interest rates as high as 1832 percent, according to Beijing Youth Daily reporter learned that cash loans ever-changing, "The Italian Job" to avoid regulation。Among them, the most prevalent form of mobile phones and leaseback "leaseback loan" related platform has more than 100 registered customers millions of people, the majority of target customers locked for college students, the interest rate is extremely high, generally annualized rate of more than 300% individual even more than 1000%。  Some mobile phone platform loans leaseback form。As "a lease back" platform, first to assess the price (ie the loan amount) recovery of mobile phone users, mobile phone and then leased back to the user, and agreed with the customer lease (ie the loan term) and expiration repurchase price (ie repayment amount), the repurchase price is higher than the cost of recycling and the relevant part "assessment fee" and "service fee" that the loan interest。Such as mobile phones valuation of 1,000 yuan, 260 yuan to pay assessment fees, 740 yuan arrival, after 7 days but require repayment of 1000 yuan。In this calculation, the annual interest rate loan of up to 1832%, even higher than the previous cash loans。  Some platforms tying of other commodities in the lending process, raise interest rates in disguise。As "a certain credit wallet" price of 199 yuan membership card, valid for seven days, as the user loan of 2,000 yuan, 14 days require repayment of 2028 yuan, the nominal annual interest rate of 36%; as you count the card purchase cost, the actual annual interest rate of up to 291.9%。  And then sold loans through false operation is shopping, shopping platform for the introduction of false scenario, a single user to buy goods, but without having to pay the purchase price directly to request a refund or sold for cash, funds available after a successful resale; earn delayed payment platform fees and expenses resale match。  The most detestable is the platform intended to cause some borrowers overdue, charge exorbitant late fees。For example, some platforms are not automatically deduct the borrower, the borrower initiative will fail to repay the money call platform。After the overdue loans, the platform back to normal, its telephone notification overdue, charge high late charge。  Tips found no qualifications to carry out lending agencies should report China mutual Guild called on Member units and related agencies should compliance management according to law, without obtaining agency business lending business qualifications, and shall not in any form of disguise to carry out lending operations; lawful qualified lending institution should abide by the requirements of self-discipline, initiative to strengthen internal management, loans should be consistent with national laws and regulations and policy requirements to eliminate any disguise to raise interest rates, late fees charged malicious violations。At the same time consumer education should earnestly fulfill financial obligations faithfully carry out information disclosure on pricing Highlights interest expenses, not false propaganda to induce consumers to accept the financial risk perception and its repayment capacity of incompatible products and services。  In addition, the China Gold Association also invited each other to strengthen the financial literacy of consumers learning, enhance self-protection awareness, carefully read the terms of the contract should buy related products and services, retained evidence, the legitimate rights and interests suffered damage may claim rights and interests through legal means ; found lending institutions do not have the qualifications to carry out illegal loans, consumers should report to the financial regulatory authorities or China Internet Association, of which the alleged crimes, should be promptly reported to the public security agency。

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