Is Fanpu Credit still legal in 2021?

Fanpu Jinke Group Co., Ltd. is currently operating normally and has not been deemed illegal yet.

Fanpuxin is a customized small and micro loan information service brand owned by Fanpujinke, and is committed to providing more customized information services to individual loan users across the country. Fanpuxin relies on the mature online "Finup Cloud Atlas" big data dynamic risk control system, combined with branches covering most provinces and cities across the country, to deeply explore diversified consumption and credit scenarios, forming a multi-dimensional credit borrowing ecological closed loop, thereby Better meet users' various credit information service needs.

Fanpu Jinke Enterprise Development (Shanghai) Co., Ltd. (referred to as "Fanpu Jinke") is a financial technology company that focuses on big data processing and financial technology research and development, providing more efficient services for small and micro individuals Intelligent financial services and solutions, using technology to shorten the distance between people and financial services, promote equalization of financial services, and strive to practice inclusive finance. With the vision of "making finance warm" and the concept of "data-driven business and technology changing finance", we continue to be committed to realizing the company's mission of "let everyone enjoy simple and fair Internet financial services", providing loan consultation, Internet financial information services are provided to individuals with needs such as consumption installment, financial management and social networking.

It belongs to a gray area and there is currently no regulatory agency. If it is repaid in equal installments every month, the principal and interest will gradually decrease in the future, so that in the end, the principal and interest will be far less than the principal × 2% × the number of months of borrowing. For specific calculations, the monthly principal should be (original principal - already paid principal), and monthly interest and other expenses ≤ (original principal - already paid principal) × 2% .

According to the provisions of Article 26 of "Fa Interpretation [2015] No. 18", the principal (based on the actual amount received, and the fees paid in the previous period should be deducted), interest (year Absolute protection within 24%, relative protection within 36% of the year) must be repaid. However, payment of illegal interest charges can be refused on the basis of taking into account the principle of good faith. According to Article 31 of "Fa Interpretation [2015] No. 18", the debtor can recover (negotiation, mediation, litigation) the excessive payment.

If online lending information intermediaries and lenders circumvent the upper limit of judicial protection of private lending interest rates in the form of intermediary fees, they shall be deemed invalid.

If an online lending information intermediary unilaterally extends the loan period, it will be invalid. You can follow the original agreed period.

If a creditor delays collection of payment, the creditor shall be responsible for the resulting losses. Is Fanpu Credit regular? Is there a credit report?

Fanpu Credit is a small loan platform owned by Fanpu Jinke. The company is Fanpu Jinke Enterprise Development (Shanghai) Co., Ltd., but according to Baidu The company's credit inquiry revealed that it had been renamed Shanghai Rongshu Network Technology Co., Ltd., and no abnormalities were displayed in the inquiry results. This shows that Fanpu Credit is formal, but the official website did not say whether it has a credit report.

Users should pay attention to the interest charged by the platform when applying for loans on Fanpu Credit. Users should be careful when applying for loans when excessive interest is charged. This will increase the burden of subsequent repayment of arrears, and there will be overdue repayments. You will be collected by the platform, which will affect your normal life during collection.

Shanghai Rongshu Network Technology Co., Ltd. was established on July 29, 2013. Its registered address is on the third and fourth floors of No. 1, Lane 65, Huanlong Road, China (Shanghai) Pilot Free Trade Zone. The registration authority is Shanghai The Market Supervision and Administration Bureau of the Pilot Free Trade Zone was formerly known as Puhui Financial Information Services (Shanghai) Co., Ltd. and Fanpu Jinke Enterprise Development (Shanghai) Co., Ltd.

Shanghai Rongshu Network Technology Co., Ltd.’s foreign investment companies include Aiqianjin (Beijing) Information Technology Co., Ltd., Beijing Qiucheng Technology Co., Ltd., Nanjing Wedding Tycoon Network Technology Co., Ltd., Qidian Venture Capital Co., Ltd., Beijing HUINIU TECHNOLOGY LIMITED. Is Fanpu Credit still legal in 2022?

Illegal

Fanpu Credit belongs to the ranks of p2p. Now p2p has basically been banned, so it is currently is illegal.

Fanpuxin is a one-stop financial information service brand under Fanpujinke. It is committed to providing customized financial information services to individual users with consumption and financing needs across the country, and through commercial factoring Provide consumer installment and financial leasing and other services with financial leasing and other institutions. Is Fanpu Credit legal?

As of July 12, 2019, Fanpu Credit has not yet been deemed illegal by relevant departments.

Fanpu Credit is the credit business of Fanpu Jinke Group Co., Ltd. The company was established on September 9, 2016. The legal representative is Zhang Hui, and the registered capital is RMB 105.263158.

On March 22, 2018, the cashwagon strategic cooperation release ceremony of Fanpu Jinke was held in Beihai, Guangxi. Chen Xun, deputy mayor of Beihai City, leaders of relevant departments of the Municipal Party Committee and Municipal Government, Suo Yaozong, chairman of China Electronics Beihai Industrial Park Company, representatives of Beihai financial institutions, Zhang Hui, founding partner and chairman of Fangpu Jinke and deputy directors of Fangpu Jinke President Bai Bai attended.

Fanpu Jinke Group Co., Ltd. is currently operating normally and has not yet been deemed illegal.

Extended information:

1. Open Baidu, search for "National Enterprise Credit Information Publicity System" and click to enter;

2. National Enterprise Credit Information In the search box on the homepage of the publicity system, enter "Fanpu Jinke Group Co., Ltd." and click to query;

3. Find "Fanpu Jinke Group Co., Ltd." in the search results and click to enter;

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4. It can be seen from the search results that Fanpu Jinke Group Co., Ltd. is currently in normal operation, has not been included in the abnormal list, and has not been deemed illegal.