Xu Bei, executive deputy secretary-general of Guangdong Association of Small Loan Companies, directly pointed out that the judicial interpretation of the Supreme Law is clear, and local financial institutions such as small loan companies are financial institutions approved by the financial regulatory authorities and are not applicable to the people.
According to close regulators, first, it is forbidden for consumer finance companies to provide funds for institutions without lending business qualifications to issue loans through P2P peer-to-peer lending and other means; Consumer finance companies are prohibited from signing tripartite agreements.
First, from the legal level, it is determined that seven types of financial companies are not applicable to the upper limit of private lending rate of 4 times LPR; Second, encourage licensees.
In view of the unreasonable loan conditions and unreasonable charges of some banks, the China Banking Regulatory Commission today issued the Notice of the China Banking Regulatory Commission on Regulating the Irregular Operation of Banking Financial Institutions, and deployed special governance key tasks.
Rejecting the enterprise's loan application on the grounds of low level of authority; Financial institutions may not issue loans in violation of the law for projects that have not gone through the formalities of examination and approval (filing), planning permission, environmental assessment examination and approval, land use management, etc.
2. Related industries. If it is also a financial industry, lending is generally not allowed, and institutions will be worried about competition, so it is difficult.