Recently, the news that Xinwang Bank was named and criticized by relevant departments has attracted the attention of many friends. Because Xinwang Bank is a private online bank founded by Alibaba Group, its development It has also aroused the interest of many friends. However, due to the adoption of regulatory red lines recently, it has attracted the attention of many netizens.

According to reports from netizens and comments from relevant departments, it can be found that this bank is currently violating regulations, has objections to the amount of car loans, and also has relatively high loan interest rates, and even There are also problems such as violent debt collection. These situations will undoubtedly have a great impact on social stability, so the relevant departments have also dealt with this situation in accordance with the law and criticized them by name.

After investigation, it can be found that the number of complaints against Xinwang Bank’s cooperation with an Internet car consumption installment platform is relatively prominent. First of all, the first problem is that there is no prohibition during the investigation, and the actual verification of the application materials of some borrowers is not in place. In addition, the management of collection situations is also not in place.

In addition, after Xinwang Bank cooperated with this Internet platform, it pushed up the cost of funds for consumers when making loans. In this case, it will naturally receive relevant reports. There are even situations where the fees of some users are higher than the state supervision. In this case, it will also violate the law, so it will also be stopped in this case.

It must be said that with the continuous development of the times, more and more banks are beginning to appear in everyone's lives. The existence of these banks can make our lives more convenient, but at the same time it also There are a lot of problems, so under this situation there must be relevant departments to supervise. Only in this way can many problems be solved when they are not particularly serious, and it can also make our lives more convenient. .

If these problems are not effectively solved, as time goes by, they will eventually ferment into more serious social problems, and even cause serious threats to the property of many people, so here The consequences of this situation are relatively serious, and such consequences are something none of us want to see. Therefore, it is also a very good way for relevant departments to stop things when they first begin to occur. , we also believe that as relevant departments continue to question, the financial industry will definitely become better in the future.