I want to report a loan shark, what should I do?

1. The parties concerned can call the 12377 reporting hotline to report. This is the reporting hotline of the State Internet Information Office, which is the reporting hotline for illegal and harmful information on the Internet in China.

2. Reports and complaints can be made on the official website of Beijing Internet Finance Association.

3. Online reporting: To complain about violations of laws and regulations, you can log on to the official website of the Beijing Internet Finance Association.

Legal basis: "The People's Republic of China and the Civil Code"

Article 680 Usury lending is prohibited, and the interest rate for borrowing must not violate relevant national regulations.

If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest.

If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or parties' transaction methods, transaction habits, market interest rates and other factors; if the loan is between natural persons, it shall be deemed that there is no Interest.

Article 25 If the lender requests the borrower to pay interest according to the interest rate stipulated in the contract, the people's court shall support it, but if the interest rate agreed by both parties exceeds four times the one-year loan market quotation rate when the contract is established, except.

The "one-year loan market quoted interest rate" referred to in the preceding paragraph refers to the one-year loan market rate published monthly by the National Interbank Funding Center authorized by the People's Bank of China since August 20, 2019. Quoted interest rate. The bank's loan review is not strict, the loan officer operates in violation of regulations and makes loans in violation of regulations. How to sue the bank for routine loans?

1. First, we can choose the "China Banking Regulatory Commission" to make a complaint. The Banking Regulatory Commission will intervene in the investigation and verification of the bank you reported

2. If we have certain evidence, we can choose to call the police and let the police intervene in the case investigation, so mastering the evidence is a very critical issue

3. Illegal lending is an economic crime. Is the flow of housing loan funds normal and legal? No laws were broken. If it is confirmed that the bank has

4. When we submit the reporting materials to the China Banking Regulatory Commission, after they receive the reporting materials, the China Banking Regulatory Commission will require the bank to investigate and respond directly to the complainant.

When reporting, you must first prepare materials and submit a written complaint to the China Banking Regulatory Commission

Record and explain in detail the complaint and its nature, and report it to the local police station

Illegal lending is Economic crimes should be protected by law.

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What tricks should you pay attention to when taking bank loans?

"Fine" mortgage repayment is a low-risk, high-quality loan. The early stage of the loan is when the interest is the highest. Because the repayment methods of banks are different, the difference in the amount paid will also be very different.

The most common repayment method is equal principal and interest and equal principal. The automatic repayment date will be brought forward at the end of the year.

If the repayment is handled through the counter or ATM machine, the last repayment settlement will be on the same day when the loan quota is tight, and many banks have to relax the quota for their own interests

1. Prepayment and "penalties" Home loans are high-quality loans with low risk. The interest is highest in the early stage of the loan. Because banks operate for their own benefit, they do not support early repayment. First, a loan contract is signed when borrowing, and the repayment time and amount are clearly stated in the contract. If you repay early, it is equivalent to a breach of the contract, so liquidated damages need to be paid.

2. Due to different repayment methods, the difference in payment amount will vary greatly. Generally, the most common repayment method is equal principal and interest and equal principal. The final interest payment can reach hundreds of thousands. As far as banks are concerned, they will not proactively demand repayment of the same amount of principal. If this is the case, the borrower will pay a lot less interest and the income to the bank will also be reduced.

3. The automatic repayment date is advanced to the end. If repayment is processed through the counter or ATM machine, the last repayment settlement is at 24:00 that day. If it is an automatic repayment, it will usually arrive in the afternoon of the last repayment day because it requires system settlement.

The loan officer of a rural credit cooperative made loans in violation of regulations. Which unit should I complain to?

You can complain to his superior management department, or you can complain to the local banking regulatory bureau or a higher-level regulatory department.

Different loan management personnel bear different responsibilities for illegal loans according to the following standards:

1. For small credit loans to farmers, the package account manager is the first responsible person, and Be responsible for 100% of the illegal loans;

2. Within the prescribed approval authority, for all loans directly handled by credit sales personnel, the credit salesperson shall be the first responsible person and shall be responsible for 100% of the illegal loans. responsibility.

3. If the approval authority of the account manager is exceeded, and the account manager investigates and agrees to report it to the person in charge of the credit union for approval, the account manager shall bear 70% responsibility as the first responsible person, and the person in charge of the credit union shall bear 30% responsibility as the second responsible person. responsibility.

4. The account manager disagrees and the person in charge of the credit union insists on issuing the loan. The person in charge of the credit union shall bear 100% responsibility for the first responsible person, and the account manager shall not bear any responsibility.

5. For loans that exceed the approval authority of the credit union and are reviewed and approved by the credit union and reported to the joint union for approval, if the responsible person has been determined, the identified responsible person shall prevail. If the responsible person has not been determined, the credit union shall investigate the customer The manager shall bear 70% of the responsibility for the first responsible person, and the person in charge of the credit union shall bear 30% of the responsibility for the second responsible person. If the account manager does not agree to report the matter but the person in charge of the credit union insists on reporting it, the person in charge of the credit union shall bear 100% of the responsibility for the first responsible person, and the account manager of the credit union shall not bear any responsibility.

6. If the leaders of the association and staff of various departments and offices recommend or introduce the loans issued by the credit union, whoever recommends or introduces them will be the first responsible person and bear 100% responsibility.

7. If a credit union conducts a collective investigation, review, and decision-making by multiple people, the persons responsible for the multiple investigations, reviews, and decision-makers must be responsible for corresponding proportions of responsibility.

The following are loans issued in violation of rules and disciplines:

1. Exceeding the approval authority, breaking into parts, establishing large households, self-approval and self-loans, multiple loans to one household, and large loans Loans without collective approval;

2. Taking advantage of one’s authority to do business as a joint venture, profiting from it, or asking for and accepting bribes;

3. In violation of regulations, collecting interest on loans and repaying them with loans

4. Loans extended in violation of regulations or without authority;

5. Loans under false names;

6. Failure to handle mortgage (pledge) in accordance with regulations and law Mortgage (pledge) loans issued through mortgage procedures;

7. Loans issued by off-book operations.

8. Loans that provide credit loans or guaranteed loans to related parties with conditions that are better than similar loan conditions for other borrowers

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9. Loans issued to persons who are not qualified to borrow money and loans that are not in compliance with national industrial policies or invested in unreasonable investments;

10 Other violations of regulations and disciplines Loans issued. How to report illegal lending on the platform

Report illegal lending on the platform to the Public Security Bureau. Loans are divided into two types: incomplete procedures or violation of the system. Loan recovery by the bank is illegal for bank staff. Only the bank's audit and management department will be held responsible. The loan can be directly deducted or through litigation. If the borrower himself or colluded with bank insiders to defraud with false materials, Loans should be reported to the Public Security Bureau (Economic Investigation) through the banking department. And you can also report it to the Banking Regulatory Bureau. Therefore, if the bank has illegal lending behavior, the parties can report it to the Banking Regulatory Bureau, so that the matter can be handled well and their own interests can be safeguarded.

Legal Basis

Article 3 of the "People's Bank Law" The People's Bank of China has the power to inspect and supervise the following behaviors of financial institutions and other units and individuals:

(1) Behaviors related to the management of deposit reserves;

(2) Behaviors related to special loans from the People’s Bank of China;

(3) Behaviors related to the management of RMB ;

(4) Acts of implementing relevant inter-bank lending market and inter-bank bond market management regulations;

(5) Acts of implementing relevant regulations on foreign exchange management;

(6) Acts of enforcing relevant regulations on gold management;

(7) Acts of managing the national treasury on behalf of the People’s Bank of China;

(8) Acts of enforcing relevant regulations on liquidation management ;

(9) Carry out relevant anti-xq

provisions.