"Pleasant loan" is a vampire who eats people and doesn't spit bones. Their actual annual interest rate is basically around 36%, and some even exceed 36% (for example, if you apply for a loan of 6, yuan, it actually arrives at 6, yuan, but the loan agreement becomes 8, yuan, in which the service fee of 2, yuan is deducted in advance, and then the repayment is made at the so-called annual interest rate of 1-15% of 8, yuan. This is the routine! ! ), which is a serious violation of the requirements of the Notice on Standardizing and Rectifying Cash Loans issued by the China Banking Regulatory Commission on December 1, 217 and other documents. It is forbidden to match or disguise the lending business that does not meet the comprehensive annual interest rate provisions of the law, and it is forbidden to deduct interest, handling fees, management fees, deposits and set high overdue interest, late fees and penalty interest from the loan principal in advance. Related overdue penalty interest should also be calculated in the comprehensive capital cost. (It is stipulated that the comprehensive annual interest rate = the interest rate of the principal+all kinds of service fees = the annualized interest rate of 24%, which is supported by the court. 24-36% can be given or not, but if it has been given before, it can't be returned, and if it exceeds 36%, it can be given at most. Even if it is 24-36% according to the loan agreement, it is legal but unreasonable, and it is not supported to go to court. We don't understand this routine, and the problems of the relevant national financial regulatory agencies are left unchecked. No wonder pleasant people lend them unbridled, financial supervision, and where is the supervision? Let's talk about what that is.