Official document standardizing private lending: campus loan has become a key specification object.

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 Official document standardizing private lending: campus loan has become a key specification object.


Official issuance of private lending is not permitted without permission. The four departments, such as the Banking Regulatory Commission, issued documents to regulate private lending, strictly prohibit the collection of violence, campus loans and high interest loans. Not allowed to engage in lending without approval In view of how to standardize the development of private lending in the future, the circular also mentioned that the banking financial institutions and the small loan companies approved by the authorized departments should improve their services, develop credit products for different groups, and increase financial support to the real economy for the real economy. Develop and create a good financial environment and effectively dredge the channels of financial services for the real economy. Focus 1 Crack down on violent collection loans The notifications put forward that the use of illegal collection of funds, such as illegal absorption of public deposits, public deposits and other illegal funds, should be severely combated by illegal means of intentional injury, illegal detention, insult, intimidation, threat, harassment, etc. Loan. The public security organs should investigate and deal with the act of violating the regulations of public security administration or suspected crimes, and transfer the related materials of illegal loan activities to the banking supervision and management institutions. Violence can be seen as a common occurrence. Before the social concern, the case of Huan Huan case was violent. The criminal gang behind the case was tried in from April 12th to 14th this year. The prosecutor in the trial said, the gang has organized and organized criminal activities and illegal activities on a organized basis with violence and threat. In order to urge the usurer to illegally usurp Su Yinxias residence, he illegally arrested Su Yinxia and Yu Huan. Previously, experts pointed out that, as the interest of usury higher than the state provisions of the interest is not protected by the law, so the usury is often associated with a wide variety of forced debt behavior, creating a variety of illegal means of collecting. In the act of violence, the crime may include the crime of illegally restricting the freedom of the person to borrow, the crime of invading the house illegally, the forced loan of the borrower at a low price or the crime of forcing the debt to be in debt. Focus 2 Campus loan as a key standard object In recent years, private lending problems such as campus loan and naked loan have been frequent. Previously, there were media reports that students were using nude loans. When the default was not paid or the high interest rate could not be paid back, the lenders were forced to be exposed to public exposure. In response to these problems, the notice said that it would severely crack down on the illegal loans to students for the school, to grant no designated use loans, or to provide services and sales of goods as the name, and to actually collect high interest rates (expenses) in disguised form of loans. Before that, the issue of campus loan has aroused the attention of relevant departments. For example, in April 2017, the CBRC issued guidance on the risk prevention and control of banking industry and pointed out that we should focus on the cleaning and rectification of campus loan and cash loan, and prohibit the provision of net loan services to college students under the age of 18. Last September, the Ministry of education made a special response to the issue of campus loan. It said many so-called network platform agencies made false propaganda to students, lied that loans were cheap. Students borrowed money because of poor financial knowledge, and eventually developed into usury. Students could not afford to bear huge debts because they could not afford it. Therefore, it is clearly stated that any network lending institution shall not grant loans to university students. In addition, the notice issued by the four Department also strictly forbids the employees of banking financial institutions as the main members or actual controllers to carry out organized private lending. If the employees of the banking financial institutions participate in the illegal financial activities, the banking financial institutions shall disciplinary sanctions and constitute a crime, and the criminal responsibility shall be investigated in accordance with the law. For intermediaries engaging in private lending and consulting, business and market supervision departments should strengthen supervision in accordance with the law. Private lending is showing a trend of non mutual assistance. Li Aijun believes that its own non standard lending behavior will lead to the instability and systemic risk of the financial order, thereby indirectly affecting the social order, while private lending has a more direct impact on the social order. Yi Shenghua, a Beijing lawyer concerned with economic crimes, told the new Beijing News reporter that, for a period of time, because of the lack of supervision and the blurred understanding, the field of private lending has been a mess, which has seriously affected the normal life of the people, resulting in the emergence of all kinds of public order cases and the destruction of the social order. On the one hand, the illegal collection of funds by some organizations and individuals leads to the accumulation of blood and blood in some peoples life, which leads to mass incidents. On the other hand, the illegal collection behavior of campus loans and hedge loans has also greatly affected the education work of the school, leading to the occurrence of some malignant events. In Yi Shenghuas view, the cause of such problems, and some of the illegal lending behavior caused by the dispute is treated as civil disputes, not severely punished by law; at the same time, there is not enough communication and coordination between the financial supervision department and the judiciary, which leads to such crimes. In order to better implement the four sector notice, he suggested that special renovation work should be carried out in a period of time, including increasing publicity, and severely investigating and investigating those units and individuals who reflect strong and unlawful loans. Source: Beijing News Editor: Zhang Zutao _NT5054 On the one hand, the illegal collection of funds by some organizations and individuals leads to the accumulation of blood and blood in some peoples life, which leads to mass incidents. On the other hand, the illegal collection behavior of campus loans and hedge loans has also greatly affected the education work of the school, leading to the occurrence of some malignant events.