The second-generation ID card and my debit card are required in the application process. Note: Applications only support debit cards, and application cards are also loan bank cards. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
1. According to the Decision on Amending the Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases (adopted at the1809th meeting of the Supreme People's Court Judicial Committee on August 8, 2020, which will take effect on August 20, 2020), if the lender requires the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds 4 times. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation published monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20, 2065438.
2. In usury activities, if usury reaches a certain amount, it constitutes the crime of illegally absorbing public deposits; For the purpose of lending, using the credit funds of financial institutions to lend to others at high interest rates, the illegal amount is large, which constitutes the crime of lending at high interest rates; For the purpose of illegal possession, illegal fund-raising by fraudulent means constitutes the crime of fund-raising fraud; Lending usury can easily lead to criminal crimes such as illegal detention, kidnapping, injury and fraud; Non-governmental intermediary organizations and individuals lend at high interest rate with the legal income of their own funds, which belongs to non-governmental lending behavior. If there is a loan dispute, it belongs to the category of civil adjustment. Usury = loan amount * interest rate * term, which is a common method to calculate loan interest. For example, a usurer with a monthly interest rate of 4 points has a loan amount of 6,543.8+10,000 yuan and a monthly interest rate of 654.38+ 10,000 yuan * 4% * 654.38+ 0 = 4,000 yuan.
3. When the credit growth rate of commercial banks slows down, the market demand for private lending will inevitably rise. As private lending enters the era of "profiteering", its negative impact is increasing. The voice of strengthening the supervision of private lending is getting higher and higher. It is worth noting that the subsequent repayment crisis and the frequent evasion of debts by business owners also made private borrowers feel risky, as if they were avoiding an unexploded "time bomb". It is understood that in this classification mode, if the return rate of the first tier is 25% of the principal, then the second tier is about 18%, the third tier is about 10%, the fourth tier is about 8%, and the lowest is generally 3%. Due to the multi-level structure, Wanmu said that the entire private lending network "no one knows how big it is".