On March 19, the China Internet Finance Association issued a notice of investigating and rectification on issues such as high -interest “cash loans” and “routine loan” in disguise.
The notice mentioned that recently, the CCTV “3.15” party was exposedTongcheng Finance uses the routine of sale gift packages and repurchase gift cards to carry out high -interest “cash loans” and other business chaos such as high -interest “cash loans”EssenceThis type of platform is suspected of engaging in high -interest “cash loans”, “routine loans”, and charging “cutting interest”.Essence
On March 15th, the CCTV “3.15” party exposed consumer complaints of consumer complaints on Tongcheng Financial APP.The complainant said that on the Internet, netizens can borrow money through the contact of the Tongcheng Financial APP, and can recycle monetization by buying its gift card.However, through the realization channel on the Tongcheng Financial APP, the quota of the gift card must be 94 % off.At the same time, various membership rights discount cards, high -speed rail VIP coupons, and airport VIP room coupons are also available in the gift card package purchased by the complaint.One of the complaints purchased the price of more than 40,000 yuan, but the actual hand was more than 28,000 yuan.
On a complaint platform, there are as high as 36755 complaints about Tongcheng Financial APP. The content includes:Tongcheng financial usury and Tongcheng Finance Binding Saleswait.
In this regard, the China Mutual Financial Association stated that in order to prevent illegal “cash loans”, “routine loan”, and collection of “cutting interest”, the resurgence and social issues caused financial risks and social problems, maintaining the good development trend of the industry, and promoting Internet consumption.The healthy development of the financial norms is as follows as the relevant matters: as follows:
Relevant member units shall strictly conduct supervision and self -inspection of supervision and self -inspection of the “Notice on Regulating the” Cash Loan “business” and “Internet Financial Industry Institutions Marketing and Propaganda Activities (Trial) Convention on Self -discipline of Propaganda Activities (Trial)To investigate the related businesses carried out by the cooperation agency, the problems found by the self -inspection should be rectified immediately. If the cooperation agency involves illegal business, it should urge them to rectify immediately and suspend cooperation with it.Self -check rectification report should be submitted before April 10Essence
Relevant member units and employees shall strictly abide by relevant national laws and regulations and financial management regulations, and operate in accordance with laws and regulations.Institutions that fail to obtain loan business qualifications in accordance with the law shall not carry out the loan business in disguise in any form of commodity sales recycling; Organs with legal lending business qualifications should effectively practice the concept of responsible finance, recommend the appropriate loan products to borrowers with borrowing conditions, and explain to the borrower beforehandBasic information such as interest arrangement and overdue collection,It is not allowed to take a disguised interest rate in disguise in disguise in the form of coupons, membership services, etc., and shall not directly or disguise the “cutting interest” in disguise from the borrowing principal to deduct interest, handling fees, management fees, etc.Essence
Relevant member units and employees should conscientiously fulfill their obligations of financial consumer education and protection, guide consumers to consume rationally, borrow reasonable loans, and continuously enhance their awareness of risk prevention;It should be reminded that consumers should carefully and carefully read the terms of the contract when purchasing related products and services, and explicit relevant risks; It should be effectively guaranteed and supports consumers to safeguard their legitimate rights and interests through legitimate channels.
Relevant member units shall strictly implement the various self -discipline management requirements of the China Mutual Gold Association on Internet consumer finance.The Internet platform that provides financial product marketing and overdue debt collection services, etc., should consciously accept the self -discipline management of the China Mutual Gold Association in accordance with the relevant requirements and procedures, and submit it to the relevant business data in accordance with relevant requirements and procedures.Essence