1. Protection of financial consumption rights and interests of China People's Bank.

2. China Internet Finance Association

4. The Finance Bureau where the respondent is located.

5. The industrial and commercial department where the respondent is located.

6. 123 1 Bad network and laziness

Relevant laws, regulations and policies:

Notice on standardizing business

The comprehensive capital cost charged by various institutions to borrowers in the form of interest rates and various fees shall comply with the provisions of the Supreme People's Government on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law. The comprehensive capital cost charged by various institutions to borrowers should be converted into an adult form, and information such as loan conditions and overdue treatment should be fully disclosed in advance to remind borrowers of relevant risks.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 26 The interest rates of both borrowers and lenders are 24%, and the lender requires the borrower to hold them at the agreed interest rate.

If the interest rate agreed between the borrower and the borrower exceeds the annual interest rate, the interest agreement is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.

Twenty-ninth borrowers and lenders have agreed on overdue interest rates, which shall be implemented in accordance with the agreement, but the annual interest rate shall not exceed 24%.

If the overdue interest rate is not agreed or clearly agreed, the people can deal with it according to different situations:

Interest rate, and no overdue interest rate. The people should support the lender's claim that the borrower should pay the interest during the period of capital occupation at the annual interest rate of 6% from the date of overdue repayment.

(2) If the interest rate during the loan period is agreed, but the overdue interest rate is not agreed, and the interest during the capital occupation period is paid according to the interest rate during the loan period from the date of repayment, the people shall support it.

Second, which department is most afraid of complaints about staged music?

Staging music is most afraid of complaints from the consumer protection department, telephone 123 15. Complaint means that the victim's rights and interests are infringed by the organization involved and he has the right to claim rights from the relevant state organs. The complainant is a person whose rights and interests have been infringed. 1. Staging Music Staging Music is a high-quality staging shopping center under Lexin. Founded in June 20 13, it is the pioneer of China's staged shopping e-commerce model, and has always adhered to the brand concept of "enough is enough, and I am happy to see it". Staging Music Mall has established cooperation with many well-known brands such as Apple, Huawei, OPPO, vivo, L 'Oreal and Philips. , becoming the third largest Internet channel after JD.COM and Tmall. Staging Music Mall has also introduced e-commerce platforms such as JD.COM Mall, Xiaomi Youpin and Koala Haibu, and exported staging music service capabilities from many high-quality external platforms such as Xiang Yang Wharf and Mawei Cell. As of March 2020, the number of goods in installment music mall has exceeded 2 million. Second, the influence of installment music in loans overdue: First, overdue will also affect personal credit. If the lender fails to repay the money within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life. Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure. Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it. Fourth, if the loan is overdue for a long time and the amount is large, the lender may be subject to financial institutions. After acceptance, the court has pronounced that the lender's assets may be sealed up. This is the "repayment reward" that the lender must implement, otherwise the property and other assets under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears. Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the borrower will be investigated for criminal responsibility, and depending on the seriousness of the circumstances, the borrower will go to jail.

Third, how to complain about installment companies

You can call 123 15 or directly call the local industrial and commercial bureau.

4. What complaints do staging music companies fear most?

Most afraid of complaints from consumer associations. Such complaints can be made by calling 123 15 or directly to the consumer association. 2. Complain to the local administrative department for industry and commerce; 3. Complain to the local China Banking and Insurance Regulatory Commission;

For overdue installment, the national legal department has also issued a series of policies. For loans that are not repaid in installments, firstly, the records of non-performing loans are detained on personal credit information, and secondly, there is a basic disciplinary obligation for malicious loan personnel. Of course, if you encounter violent collection, you can complain to him.