Okay, if you are a loan officer and want to complain to the loan company, it is best to complain to the China Banking Regulatory Commission. This is the most effective way to complain. As long as the loan company has violations, you can make a complaint.

If you complain to a small loan company, you can do this.

It can be said that the small loan company was full of enthusiasm when it was first established, but in actual operations, it often encountered embarrassments and fell into difficulties in further development. The following will explain to you the relevant issues of whether microfinance companies are legal companies and whether microfinance companies are supervised by government departments. I hope it can help everyone.

1. Is a small loan company a legal company?

A small loan company is an independent legal person that is approved by the provincial government department and obtains a business license from the industrial and commercial department. It does not need to obtain a financial business license, so it is not a financial institution. However, a small loan company However, they operate money and issue loans, but they are still performing the functions of financial institutions. This causes the microfinance company to have an identity embarrassment, causing the microfinance company to cause the following shortcomings:

1. Deposits in banks are only subject to the current deposit interest rate of general industrial and commercial households, which is far lower than the interest rate for deposits with financial companies and is not as high as the interest rate for deposits with the central bank.

2. When financing from bank financial institutions, you cannot enjoy preferential interbank lending rates. You can only apply for general corporate loan interest rates, and the financing costs are relatively high.

3. Since small loan companies are not financial institutions, it is not conducive to the protection of their financial claims.

4. Since microfinance companies are not financial institutions, they cannot enjoy the preferential tax policies of financial institutions, nor can they enjoy various financial subsidies for rural financial institutions, but they have to pay the same as ordinary enterprises. Taxes and fees have caused small loan companies to have a heavy tax burden. According to surveys, small loan companies generally have to pay 5.56 business tax and surcharges, 25 corporate income tax, 1.5 price control fund and 0.15‰ stamp tax.

2. Are microfinance companies regulated by government departments?

According to the relevant provisions of the "Guiding Opinions", small loan companies do not belong to banking financial institutions. The provincial government has designated a competent department responsible for the supervision and management of small loan companies. This leads to two problems. This situation:

1. In the provincial government, there is generally a financial office for supervision, and at the city and county levels, the financial work leading group is responsible for supervision. Since the Financial Work Leading Group is a non-permanent organization sponsored by the government and composed of heads of the People's Bank of China, the Banking Regulatory Department, the Industrial and Commercial Department, the Finance Department, the Taxation Department, the Audit Department and other departments, "multiple supervision" eventually turned into "multiple supervision". “Unsupervised” virtualization problem.

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 the above two departments are monitoring and statistics on the interest rates, loan investment, capital flows, etc. of small loan companies. At that time, the attitude of small loan companies was not positive, and they often provided inaccurate data and did not submit information in a timely manner.

If you encounter a small loan company cheating people, you can complain to the local financial office or the local banking regulatory bureau.

Those who meet the following conditions can file a complaint against the company:

1. Illegal fund-raising in the name of a small loan company;

2.

3. Employees of small loan companies use illegal means to collect debts or instruct others to illegally collect debts;

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

5. Small loan companies evade registered capital or disguise it in the form of loans Evading registered capital;

6. Small loan companies engaging in off-book operations;

7. Small loan companies explicitly prohibiting this from their shareholders and industry authorities Loans issued by the industry;

8. Small loan companies have engaged in external guarantee business, cross-regional operations, carried out business outside the business scope, issued excessively large loans and other illegal business activities;

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

Extended information:

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

1. Improper Debt collection: Violent debt collection, exposure to address books, door-to-door beatings, insults, etc.

2. Abnormally high interest rates: routine loans, loan sharks

3. Invasion of personal privacy: personal phone number or personal information Information is disseminated, causing damage to personal reputation

4. Repeated credit granting: no risk control, random lending

5. Interest and insurance premiums are deducted when lending

6. After the money was put into the account, you were asked to transfer the amount directly

7. High penalty interest