What is "routine loan"? Types, hazards and filing standards of conventional loans

First of all, what is a conventional loan?

In fact, routine loan is just a general term. The previous "ID card loan", "ignoring black and white household loan", "naked loan" and "student loan" all have some illegal properties, which are all manifestations of routine loan.

Some means to give you a brief introduction.

Some common means of "routine loan" are to induce victims to borrow money through the internet, telephone, text messages, small advertisements and other channels in advance, with "unsecured, unsecured and fast loans" as the gimmick; In the incident, the victim was tricked into signing a yin-yang contract and a false loan contract. What is an inflated loan contract? Call for one loan and one return, and borrow 1 0,000 yuan. Actually, the contract signed is 2000 yuan.

What does it mean to charge high "beheading interest" in disguise? Borrow 1000 yuan, and you have to cut off the interest of 300 yuan, which means that only 700 yuan is actually available. Fictitious transfer of funds, arbitrary determination of breach of contract, forcing the victim to continue to borrow and settle accounts, and maliciously borrowing; Afterwards, you can file a civil lawsuit through false evidence prepared in advance, or use such means as splashing paint, blocking keyhole, stalking harassment, threats, telephone harassment, etc. This kind of telephone harassment, especially calling you in the middle of the night, constantly calling friends and relatives around you, using these soft and hard violent means to ask for debts and encroach on the victim's property.

This kind of illegal and criminal activity has strong concealment, quick profit, high income, easy replication and dissemination, and extremely serious harm.

First of all, it violates the legitimate rights and interests of the people. Many victims had small loans at first, but under the routine and coercion of criminal suspects, they soon got into huge debts. Some victims went bankrupt and had to sell their houses to repay their loans. Some victims were forced to drop out of school and run away from home to escape debt; Some victims were cornered and forced to commit suicide.

The second is to disrupt the normal financial order. "Routine loan" gangs generally do not have financial qualifications and engage in illegal lending activities under the guise of private lending. On the surface, they signed a loan contract with the borrower with an annual interest rate of 24% according to the relevant national regulations, and the actual repayment is often based on more than 2,000%, far exceeding the standard stipulated by law.

Third, a variety of criminal offences are derived. In order to collect debts, criminal suspects usually resort to soft violence such as abuse, intimidation and threats, and sometimes they are accompanied by some violent crimes, such as illegal detention, extortion, provocation and other illegal crimes.

Fourth, it affects social stability. With the help of the network platform, some "routine loans" spread from offline to online, from traditional contact crimes to new non-contact crimes. The infringed groups are larger and wider, reaching more than 10 thousand people at every turn, spreading all over the country, which is more harmful to society.

Two, one of the following acts, can be investigated for criminal responsibility.

1. As a whole, it belongs to the fraud of fabricating facts and concealing the truth to defraud the victim's property for the purpose of illegal possession. Generally, criminal responsibility can be investigated for fraud.

2. Whoever commits fraud by fabricating facts, concealing the truth, violence, threats, false litigation and other means, and at the same time constitutes fraud, robbery, extortion, illegal detention, false litigation and other crimes, shall be punished for several crimes in accordance with the provisions of the Criminal Law or convicted and punished according to the party with heavier punishment.

Warm reminder: Violent means include but are not limited to harassment, pestering, making noise, gathering people to create momentum and other so-called "consultation", "negotiation" and "mediation" means. , make the victim feel psychological fear or psychological coercion.

Third, what will it be like to work in usury or illegal organizations?

In the judicial interpretation of routine loans, Zhejiang Higher People's Court made it clear that those who helped intentionally injure, illegally detain, disturb the normal life of victims and their close relatives, or helped fabricate facts to file a civil lawsuit, met the constitutive requirements of intentional injury, illegal detention, making trouble, illegally invading other people's houses and false litigation, and criminal suspects and defendants were investigated for criminal responsibility on related charges.

Therefore, to work in a lending institution or company, it is best to know the relevant work contents in advance. If you find any illegal behavior, I suggest you leave immediately to avoid going to jail.