Complaint loan platform.
Small loan companies are enthusiastic at the beginning of their establishment, but in practice they are often embarrassed and trapped in further development. Let me explain the complaint about the loan platform to you. Is the microfinance company a legal company and is it regulated by the government? I hope I can help you.
1. Complaints from the loan platform.
In case of fraud, small loan companies can complain to the local financial office or the local banking regulatory bureau.
You can complain to the company if you meet the following conditions:
1. Illegally raising funds in the name of a microfinance company;
2. Illegal absorption or disguised absorption of public deposits in the name of small loan companies;
3. Staff of microfinance companies use illegal means to collect debts or instruct others to collect debts illegally;
4. The actual interest rate of loans issued by microfinance companies exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China;
5. Microfinance companies have the behavior of registered capital flight in the form of loans or registered capital flight in disguise;
6. Small loan companies have off-balance-sheet business activities;
7. Microfinance companies issue loans to industries that are explicitly prohibited by their shareholders and industry authorities;
8. Microfinance companies engage in external guarantee business, cross-regional operation, out-of-scope business, issuing excessive large loans and other illegal business activities;
9. Other acts prohibited by laws, regulations and competent departments.
If you encounter the following problems when applying for online loan, you can complain to the loan company:
1. Improper collection: violent collection, address book explosion, door-to-door beating, insult, etc.
2. Unusually high interest rates: conventional loans and usury.
3. Infringement of personal privacy: spreading personal phone calls or personal information, causing personal reputation damage.
4. Repeated credit granting: no risk control and free lending.
5. Deduct interest and insurance premium when lending.
6. How much do you ask for direct transfer after the money arrives?
7. High penalty interest.
2. Is the microfinance company a legitimate company?
A small loan company is an independent legal person approved by the competent department of the provincial government and obtaining a business license in the industrial and commercial department. They don't need a license to operate financial business, so they don't belong to financial institutions. However, small loan companies operate money and issue loans, but they are performing the functions of financial institutions, which makes small loan companies embarrassed in their identity and causes the following shortcomings:
1. The deposit in the bank is only implemented according to the deposit interest rate of ordinary industrial and commercial households, which is far lower than the interbank deposit interest rate of financial enterprises and not as high as the deposit interest rate in the central bank.
2. When financing from banking financial institutions, you can't enjoy the preferential interest rate of interbank borrowing, and you can only implement it according to the general enterprise loan interest rate, which is high in financing cost.
3. Because microfinance companies are not financial institutions, it is not conducive to the maintenance of their financial claims.
4. As microfinance companies do not belong to financial institutions, they can neither enjoy the preferential tax policies of financial institutions nor enjoy various financial subsidies from rural financial institutions, but they have to pay taxes and fees according to ordinary enterprises, resulting in a heavier tax burden for microfinance companies. According to the survey, microfinance companies generally have to pay 5.56% business tax and surcharges, 25% enterprise income tax, 1.5% price control fund and 0.65438+.
3. Are microfinance companies regulated by government departments?
According to the relevant provisions of the Guiding Opinions, microfinance companies do not belong to banking financial institutions, and the provincial government clearly stipulates that a competent department is responsible for the supervision and management of microfinance companies, which leads to two situations:
1. In the provincial government, there is generally a financial office to supervise, and at the city and county levels, the financial work leading group is responsible for supervision. As the leading group for financial work is a non-permanent organization sponsored by the government, the People's Bank of China, the banking supervision department, the industrial and commercial department, the financial department, the tax department and the audit department, the virtualization problem of "multi-supervision" eventually becomes "unsupervised".
2. The situation is that the People's Bank of China and the banking supervision department are not directly responsible for the supervision of small loan companies, so that when the above two departments monitor and count the interest rate, loan investment and capital flow of small loan companies, the attitude of small loan companies is not positive, and the data provided are often inaccurate and the information submitted is not timely.