"Many lending institutions have declared' low interest rates'. However, during the surprise inspection, the case handlers found that when all kinds of service fees, operation fees, overdue fees and late fees were converted, the interest often reached 400% or even 600%. " The relevant person in charge of the Laoshan District Administration for Industry and Commerce said.
In the fast loan network company located in Xincheng International, law enforcement officers found that although the company was authorized by some banks to engage in loan intermediary business, it violated the agreement with banks in actual business.
"The bank told him not to charge more than 5%. The on-site contract agreement shows that most customers charge more than 5%, many of which are above 10%, and some even reach 20%." Liang Shilin, the relevant person in charge of the Financial Office in Shushan District, said that these companies also charge high service fees and management fees.
The reporter saw in an agreement that the one-time management fee for this loan with a total amount of 800,000 yuan will be more than 33,000 yuan.
In Guangdai.com, located in Hefei Winbond World Trade Center, law enforcement officers found a large number of entrusted loan agreements and unsecured intermediary agreements. The department head of this company claims that they are not directly engaged in loan business, but only act as an intermediary between banks and customers.
According to its business license, only with the authorization of financial institutions can it engage in lending business. However, at present, Guangyin.com only has a cooperation agreement with one bank, which is inconsistent with the fact that it claims to establish cooperative relations with dozens of banks.
There are more loopholes in the contract signed between Guangdai.com and customers. It is reported that the registered name of the business license of "Guangdaiwang" is actually "Guangdaiwang". Since the company was established more than half a year ago, it has changed its legal person three times. In the transaction contract signed with the lender, it is not the latest registered name, and all contracts are not stamped with the official seal. "This makes the entrustment agreement have no legal effect." Liang Shilin said that once it is overdue or the lender's rights and interests are damaged, it is impossible to defend rights by virtue of invalid contracts.
Liang Shilin said that according to relevant reporting clues, both platforms are suspected of cooperating with illegal institutions such as cash loans and recommending customers who fail to meet bank lending standards to these illegal institutions, and they are suspected of making advances. At present, the Financial Office of Shushan District has contacted relevant borrowers and talked with the public security organs about the details of these borrowers.
During the inspection, the procuratorial organ temporarily detained the transaction contract materials of the two companies for further investigation and handling. The public security and industrial and commercial departments will investigate such problems as false advertisements, excessive fees and capital flow, report them to Hefei Financial Office, and formulate rectification plans.
The reporter learned that Shushan District launched a four-month special campaign to comprehensively rectify "cash loans" and online microfinance.