Small loan companies were enthusiastic at the beginning of their establishment, but in practice they often struggled and fell into the predicament of further development. Let me explain the complaint of the loan platform to you. Is the microfinance company a legitimate company? Are microfinance companies regulated by government departments? I hope I can help you.

1. Complaints about the loan platform.

In case of fraud, small loan companies can complain to the local financial office or the local banking regulatory bureau.

If the following conditions are met, you can complain to the company:

1. Illegally raising funds in the name of a microfinance company;

2. Illegal or disguised absorption of public deposits in the name of small loan companies;

3. Staff of microfinance companies use illegal means to collect debts or instruct others to collect debts illegally;

4. The actual interest rate of loans issued by microfinance companies exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China;

5. Microfinance companies have the behavior of registered capital flight in the form of loans or registered capital flight in disguise;

6. Small loan companies have off-balance-sheet business behaviors;

7. Microfinance companies issue loans to industries that are explicitly prohibited by their shareholders and industry authorities;

8. Microfinance companies have illegal business practices such as engaging in external guarantee business, cross-regional operation, conducting business beyond the scope of business, and issuing large loans in excess of the proportion;

9. Other acts prohibited by laws, regulations and competent departments.

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

1. Improper collection: violent collection, address book explosion, door-to-door beating, insult, etc.

2. Unusually high interest rates: conventional loans and usury.

3. Invasion of personal privacy: divulging personal phone numbers or personal information, resulting in personal reputation damage.

4. Repeated credit granting: free lending without risk control.

5. Deduct interest and insurance premium when lending.

6. Let you transfer money directly after the money arrives.

7. High penalty interest.

2. Is the microfinance company a legitimate company?

Small loan companies are independent legal persons approved by provincial government departments and obtained business licenses in the industrial and commercial departments, not financial institutions. Small loan companies perform the functions of financial institutions while managing money and issuing loans, which makes their identity awkward and has the following disadvantages:

1. Deposits in banks are only made according to the deposit interest rate of ordinary industrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises and not as high as the deposit interest rate of central bank funds.

2. When financing from banking financial institutions, you can't enjoy the preferential interbank lending rate, and you can only implement it according to the general enterprise loan interest rate, which leads to high financing cost.

3. Because microfinance companies are not financial institutions, it is not conducive to the maintenance of their financial claims.

4. Because microfinance companies are not financial institutions, they cannot enjoy the preferential tax policies of financial institutions, nor can they enjoy various financial subsidies from rural financial institutions. Instead, it is necessary to pay taxes according to ordinary enterprises, which leads to a heavy tax burden on microfinance 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. 1.5‰ stamp duty.

3. Are microfinance companies regulated by government departments?

According to the relevant provisions of the Guiding Opinions, microfinance companies are not banking financial institutions, and the provincial government designates a competent department to be responsible for the supervision and management of microfinance companies. There are two situations:

1, the provincial government generally has financial supervision, and the financial work leading group is responsible for supervision at the city and county levels. As the leading group for financial work is a non-permanent institution sponsored by the government and attended by the People's Bank of China, banking supervision departments, industrial and commercial departments, financial departments, tax departments and auditing departments. , leading to the virtualization problem that "multi-party supervision" eventually becomes "unsupervised".

2. The situation is that the People's Bank of China and the banking supervision department are not directly responsible for the supervision of small loan companies, so that when the above two departments monitor and count the interest rate, loan investment and capital flow of small loan companies, the attitude of small loan companies is not positive, and the data is often inaccurate and submitted in time.