Interest cut of digital currency pledge loan

1. If the loan platform dects this kind of interest through a third party, then the bank records can also be used as evidence. If the loan platform overcharges interest or charges indiscriminately, it can make complaints

if the loan platform complains, you can do so

at the beginning of its establishment, the small loan company was enthusiastic, but in the actual operation, it was often embarrassed and fell into the dilemma of further development. Now let's explain to you whether the small loan company is a legal company and whether the small loan company is supervised by the government. I hope it can help you< Is a small loan company a legal company<

small loan company is an independent legal person approved by the competent department of the provincial government and obtained a business license from the instrial and commercial department. It does not need to obtain a financial business license, so it does not belong to a financial institution. However, small loan company operates currency and loans, but performs the functions of a financial institution, In this way, the identity of the small loan company is embarrassed, and the small loan company has the following disadvantages:

1. The deposit in the bank is only executed according to the current deposit interest rate of general instrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises, and the interest rate of deposit in the central bank is not high

2. When financing from banking financial institutions, they can not enjoy the preferential interbank offered rate, and can only implement according to the loan rate of general enterprises, so the financing cost is high

3. Because small loan companies are not financial institutions, it is not concive to the maintenance of their financial claims

4. Because small loan companies are not financial institutions, they can neither enjoy the preferential tax policies of financial institutions, nor enjoy various financial subsidies for rural financial institutions, but they have to pay taxes as ordinary enterprises, resulting in the heavy tax burden of small loan companies. According to the survey, at present, small loan companies generally pay 5.56% business tax and surcharges 25% enterprise income tax, 1.5% price control fund and 0.15 ‰ stamp tax< Second, does the government supervise the small loan companies<

according to the relevant provisions of the guidance, small loan companies do not belong to banking financial institutions, and the provincial government specifies a competent department to be responsible for the supervision and management of small loan companies, which leads to two situations:

1. Generally, there are financial offices in the provincial government for supervision, and financial leading groups at the municipal and county levels for supervision. As the leading group of financial work is a non established organization, which is sponsored by the government, and composed of the heads of the people's Bank of China, the banking regulatory department, the instrial and commercial department, the financial department, the tax department, the audit department and other departments, the virtualization problem of "multi supervision" turns into "no supervision" in the end

2. The situation is that the people's Bank of China and the banking regulatory department are not directly responsible for the supervision of small loan companies, so when the above two departments monitor and count the interest rate, loan investment direction and capital flow of small loan companies, the attitude of small loan companies is not positive, and the phenomenon of inaccurate data and untimely data submission often occurs

if you encounter a small loan company cheating, you can complain to the local financial office or the local banking regulatory bureau<

those who meet the following conditions can complain to the company:

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3. The staff of a small loan company use illegal means to collect debts or instruct others to collect debts illegally< 4. The actual interest rate of the loan extended by the small loan company exceeds the upper limit of the judicial interpretation or is lower than the lower limit of the loan interest rate announced by the people's Bank of China

5< 6. Small loan companies have off account operations

7. A small loan company makes loans to its shareholders and instries that are explicitly prohibited by the instry authorities< Small loan companies are engaged in illegal operations, such as external guarantee business, cross regional operation, business beyond the scope of business, and issuing large loans in excess of proportion

9. Other behaviors prohibited by laws, regulations and the competent authorities<

extended information:

if you encounter the following problems when applying for online loan, you can complain to the loan company:

1. Improper collection: violent collection, exploding address book, door-to-door beating, insulting, etc.

2. Abnormally high interest rate: routine loan Usury

3. Invasion of personal privacy: personal phone calls or personal information are distributed, resulting in personal reputation damage

4. Repeated credit: no risk control, free lending

5. Dection of interest and insurance premium when lending

6. How much money are you asked to transfer directly after the money is recorded

7. High penalty interest

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4. If there is fraud, you can sue the other party and claim that the contract is invalid. Because the conclusion of a contract has fraud, coercion and major misunderstanding, which belongs to the defect of the expression of will, the contract can be sued and invalid< But you have to pay attention to the cost of litigation.

5. There is no doubt that this is usury, because it is much higher than the bank interest.