According to media reports, "the police arrested three suspects of Jieyue United Xining Branch, with a preliminary estimate of the case value of 10 million yuan, involving more than 200 people."
"In fact, Jieyue United is a micro-financial consulting service company, which only matches transactions without any loan, let alone usury," the relevant person in charge of Jieyue United responded.
According to public information, Jieyue United was established in June 20 13. It is a comprehensive consulting service platform based on Internet technology and serving the real economy. There are about 200 consulting service agencies in more than 0/00 cities across the country to conduct risk control audit and post-loan service management for borrowers.
"In terms of business structure, we are in line with the judicial interpretation of peer-to-peer lending by the central bank and the Supreme People's Court. Jieyue United mainly provides intermediary services for individuals with financial needs and forms private lending. " The person in charge said.
"We are consulting service intermediaries, not financial institutions, and have no right to issue loans." The person in charge said that Jieyue United only "matched" the transaction between the capital side and the asset side, and did not "lend", let alone "illegal lending" and "usury".
The above report also mentioned that Jieyue United issued mortgage loans and car loans to unspecified people at a monthly interest rate of 1.8%-2.45% without the permission of the financial regulatory authorities such as the People's Bank of China, which was suspected of illegal business operation.
So, what is the crime of illegal business operation? According to judicial interpretation, the crime of illegal business operation refers to the crime of committing one of the following illegal business operations in violation of state regulations.
(a) operating a franchise, monopoly or other restricted goods without permission;
(2) buying and selling import and export licenses, import and export certificates of origin and other business licenses or approval documents stipulated by laws and administrative regulations;
(3) illegally engaging in securities, futures or insurance business without the approval of the relevant competent department of the state;
(four) engaged in other illegal business activities, disrupting the market order, and the circumstances are serious.
The above-mentioned person in charge said that any of the above situations are inconsistent with the current situation of Jieyue joint operation. The words "illegal lending" and "abortion" mentioned in the article are suspected of exaggeration when the case has not been verified. In addition, the words mentioned in the article have been investigated in many areas and are seriously inconsistent with the facts.
It is understood that at present, Jieyue United has entrusted lawyers to contact relevant media and will defend their rights through judicial channels. We are also strengthening communication with local governments to eliminate misunderstandings in time.