With the rapid development of Internet in China, great changes have taken place in China's financial industry. In the past, loans could only be handled through banks, but with the combination of the Internet and the financial system, online loans came into being. Online lending has no geographical restrictions and the threshold is low. As long as you have a mobile phone, you can apply for a loan quickly, which is convenient and fast. So it is favored by many young people. In the past few years, online lending platforms have mushroomed. At the peak, there are thousands of P2P lending platforms in China. P2P lending platform has developed so rapidly because it is a profiteering industry. However, most of these online lending platforms are informal, and even many of them belong to routine loans.
According to the new national law, the legal protection limit of private lending is four times that of one-year interbank lending rate. At present, the one-year loan interest rate is 3.85%, which is four times that of 15%. The extra interest is illegal and need not be repaid. If the loan company urges it, it may report to the People's Bank of China or the China Banking Regulatory Commission. Recently, the Shanghai Public Security Bureau released a typical case of using online lending platform to defraud borrowers during the epidemic. It is understood that this case involves 23 loan apps, 86 people participate in fraud, and the number of injured borrowers in the country exceeds 1 10,000, and the amount of fraud in one year is 630 million! At present, the company's 23 illegal peer-to-peer lending platforms have been closed.
The company started operation in April 2020 and raised funds for financing. Cooperate with software development companies to launch these related online lending platforms. Increase popularity by constantly placing advertisements. And use technical means to find the right borrower, starting with each user accurately. Push the other party to download software by calling, adding WeChat, QQ, etc. To realize the loan process. As soon as the loan happened, the terrible usury began. A lady borrowed 2000 yuan from the software, but only 1400 yuan actually arrived. After four or five days, the money to be repaid rose to 2500 yuan. The total interest is converted into 1 100 yuan. However, this lady downloaded another loan software recommended in the software, and after a cycle, the amount owed was as high as 6.5438+0.47 million yuan. It only took two months from the beginning of borrowing to the final debt of 6,543,800+0,470.
In addition, after the platform was destroyed by the police, the relevant operators were also arrested by the police, the platform stopped operating, all the data were in the hands of the police, and the bank accounts were frozen by the police. Even if the loan principal cannot be repaid temporarily. Moreover, once these people are caught by the police, they will definitely be sentenced to heavy sentences, because the amount involved in this case is very large, reaching 630 million, and the principal offender is expected to face at least 10 years in prison. If the relevant operators are found, they will no longer collect the debtor's debts, so the debtor doesn't even have to pay back the principal and interest. For these criminal gangs, it can be said that stealing chickens and not eating rice.
In the last ten years, the voice about P2P has always existed. This belongs to the existence mode of small Internet finance. He attracts retail investors at a deposit rate higher than the bank's, and then issues loans at a loan rate higher than the bank's. In essence, like banks, income is achieved through the spread between loans. But the overall risk of P2P is high. From 20 18, relevant departments began to rectify P2P platforms and financial institutions. So far, this form of peer-to-peer lending platform has been completely banned. To a certain extent, it ensures the safety of ordinary people's funds and is conducive to the health of the national financial system.
How to achieve real loan security in the harsh financial environment such as frequent borrowing problems, illegal usury in peer-to-peer lending, and violent debt collection? In addition, for friends who borrow money on the online lending platform, if they encounter routine loans and high interest rates in the process of borrowing money, they must not be afraid of various collections. We must take up legal weapons to protect our rights and interests. If you encounter daily loans or usury, you should call the police in time to stop losses as soon as possible and avoid falling into a passive situation.