Because routines are conducted through the Internet, you can also report to the reporting center under the Ministry of Industry and Information Technology. Call the Internet Illegal and Bad Information Reporting Center 12377. In addition, there are two toll-free phone numbers "1232 1" and "12390". You can also log on to www. 12377.cn to report. This role is that the Ministry of Industry and Information Technology will block his APP and online channels.

4. Report to the People's Bank of China the third-party payment center used in conventional loans. For regular online loans, he must use third-party payment as revenue and expenditure. This is managed by the People's Bank of China. The report has verified that the People's Bank of China will impose very severe penalties on payment companies, and routine loans can no longer be deceived without third-party payment.

5. If you encounter an offline loan, that is, a store or company signs a contract in person to collect money, you can report it to the tax department and the industrial and commercial department except 123. Especially the tax authorities, these companies definitely don't pay taxes, and their income is definitely hidden, and the tax authorities will find out. In our country, tax evasion will be punished by imprisonment.

6. If the routing loan company uses APP, it can report to the company where the app store is located and the loan supermarket platform. Let his products off the shelf, can't continue to operate.

6. Remember to keep your evidence. What is this? Signed electronic or paper contracts, electronic documents or deposit certificates for transfer and collection, apps and various telephone numbers they use, names and electronic contracts of third-party payment companies, receipts issued by the other party, and so on. Important evidence can also be recorded and videotaped, and now this kind of evidence is also strong evidence.

This kind of combination boxing, basically no routine loan company can be spared. You can also look at my other related articles and videos, some of which are more detailed.

Feel good, pay attention, and then like it.

Second, why are there so many private loans now?

Incredibly, private lending is generally unbearable for ordinary customers and can only be used to replace bank loans in the short term.

Third, the bank interest rate is so low, but many people borrow it from the private sector. Why?

Banks don't lend to the poor at all. Therefore, we often see that many people with insufficient funds can't get loans when they go to the bank for loans; And many enterprises and lenders came to ask for loans. In fact, banks also have their own difficulties.

As we know, the function of banks is to use money as a lever to regulate the macro-operation of the economy. Essentially, it is not for profit. Therefore, the main cost of their lending is the basic salary of the salesman.

But if you bring money to the poor, there will be unpredictable risks.

For example, if the debtor goes bankrupt, the debt may become a dormant account.

For example, if the debtor transfers the hidden property, the lent money may not be recovered, or it will take more financial and material resources to collect it.

For example, if a debtor loses his creativity and cannot repay his debts, it will become bad debts.

In a word, this kind of debt is risky, and the interest of the bank is not enough to offset this risk, so in order to avoid this risk, the poor are simply shut out.

And powerful enterprises and individuals are different, because they have a good social background, strong mortgage capital, guarantors and so on. Relatively speaking, the cost of lending to them is very small, and banks are more willing to deal with them, so we will feel that banks are icing on the cake and will not give assistance in time. There are even emergency loans.

Compared with the complicated procedures of banks, collateral, guarantor and private lending are much looser.

All you need is an ID card and an IOU, and you can get a loan, and many of them can arrive right away, which is very convenient and fast.

But behind the convenience is the high interest paid by the debtor.

High interest rates, in addition to getting rich and collecting employees' wages, will also offset the bad debts in dormant accounts.

Even though many interest rates are ridiculously high, compared with the high threshold of banks, they still compromise on high interest rates and even ruthlessly collect them.

In fact, banks have to do this.

The subprime mortgage crisis in the United States should be familiar to everyone. A popular explanation is that many people go to banks for loans, and almost all the money from the state treasury is lent out. The borrowed money is used to buy houses, cars and other luxuries. Finally, the economic bubble burst, people were unable to repay their loans, and the national economy fell into a vicious circle.

It is equivalent to every penny of a family. If someone is sick and goes to school, they have to maintain the necessities of life. Without money, they can only wait for death.

In order to appear this situation, so let this wind pass on to private lending. Using private funds to invigorate economic development is killing two birds with one stone.

Therefore, although everyone knows that online lending is so harmful and even causes a series of social contradictions, private lending is still allowed. The reason is that risks should be controlled and the economy should develop.

If you don't have enough profitability and income security, don't borrow online loans and. Once you get it, I'm afraid you'll never get up again.

A family, like a country, should set aside some savings just in case, whether starting a business or spending money.

Do you understand why bank loans are so difficult now?

~ over ~

4. Is it legal to borrow 6,543,800 yuan a day and interest 900 yuan?

Hello, if the annual interest rate of private lending does not exceed 24%, it is legal interest and is protected by law. What the borrower voluntarily paid in the year of private lending is also a legal interest and is protected by law. However, it is illegal to borrow 65438+ 100000 a day with an interest of 900, so the calculated annual interest rate is 900365/(1kloc-0/0000)1000% = 3.

Interest rate refers to the ratio of the amount of interest to the amount of borrowed funds (principal) in a certain period. The main factor is also the interest rate situation and its changing trend that enterprises must pay attention to in financing and investment research.

Interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). Lending or lending interest rate, compound interest frequency, lenders and depositors borrowing from it to delay their consumption and lend the borrower the required return. The interest rate is usually calculated by the percentage of one-year interest to the principal.

Generally speaking, interest rates are expressed by annual interest rate, monthly interest rate and daily interest rate.

In modern economy, interest rate, as the price of capital, is restricted by many factors. And the change of interest rate has a great influence on the whole economy. When determining the interest rate, special attention should be paid to the relationship between various variables and the balance of the whole economy. Interest rate determination theory has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model.

Keynes believed that savings and investment were interdependent.

In his theory, money supply is an exogenous variable of interest rate elasticity. The demand for money at this time depends on people's kindness. "

Then, loanable funds's interest rate theory was put forward based on the "liquidity preference" interest rate theory of neoclassical school. In fact, it can be regarded as the synthesis of classical interest rate theory and Keynesian theory.

The famous British economic theory does not consider the income factor, so it is impossible to determine the interest rate level, so the IS-LM model based on the general equilibrium theory is put forward in 1937. Thus, a theory that interest rate and income are determined simultaneously under the interaction of savings and investment, money supply and money demand is established.

According to this model, the determination of interest rate depends on four factors: savings supply, investment demand, money supply and money demand, all of which will affect the interest rate level. The characteristic of this theory is general equilibrium analysis.

Under the strict theoretical framework, this theory organically unifies the commodity market equilibrium of classical theory and the money market equilibrium of Keynes theory. Marx's interest rate determination theory considers institutional factors from the perspective of the source and essence of interest. The core of this theory is interest rate. Marx believes that under the capitalist system, interest is a part of profit and a form of transformation of surplus value.

The independence of interests is of positive significance to truly show the dynamic role played by capital users in the process of reproduction.

Importance function:

In terms of expression, interest rate refers to the ratio of interest amount to total loan capital in a certain period. Interest rate is the interest level of unit currency in unit time, indicating the amount of interest. Economists have been trying to find a set of theories that can fully explain the structure and changes of interest rates. Interest rates are usually controlled by the national central bank and managed by the US Federal Reserve. So far, all countries regard interest rate as one of the important tools of macro-control.

When the economy is overheated and inflation rises, it will raise interest rates and tighten credit; When the economy is overheated and inflation is controlled, interest rates will be lowered appropriately. Therefore, interest rate is one of the important basic economic factors. Interest rate is an important financial variable in economics, and almost all financial phenomena and financial assets are related to interest rate to some extent.

At present, countries all over the world frequently use interest rate leverage to implement macro-control, and interest rate policy has become the main means for central banks to adjust the supply and demand of money and then regulate the economy. Interest rate policy plays an increasingly important role in the monetary policy of the central bank.

Interest rate is an important tool to adjust monetary policy, and it is also used to control investment, inflation and unemployment rate, thus affecting economic growth. Reasonable interest rate is of great significance to social credit and economic leverage of interest rate.

During the depression, lower interest rates, expand the money supply and develop the economy. In the period of inflation, we should raise interest rates, reduce the money supply and curb the vicious development of the economy. So the interest rate has a great influence on our life.