Is Ping An Consumer Finance Loan a Formal Platform?

Legal Analysis: Ping An Consumer Finance is a national consumer finance company initiated by China Ping An Insurance (Group) Co., Ltd. with the approval of China Banking Regulatory Commission, providing all-round consumer finance services for China residents/young consumers. The main products are Ping An Xiao Ju Hua and Ping An Xiao Ju Ka. Borrowers can apply for loans through Ping An Consumer Finance APP or Ping An Consumer Finance WeChat official account.

Legal basis: Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases. When handling loan cases, people's courts should follow the principles of voluntariness, mutual benefit, fairness and legality, protect the legitimate rights and interests of creditors and debtors, and limit high interest rates. According to the experience of trial practice, the following opinions are put forward for reference when trying such cases.

One is to accept the loan disputes between citizens, between citizens and legal persons, and between citizens and other organizations as loan cases.

Two, because of the loan of foreign currency, Taiwan dollars and treasury bills and other valuable disputes to the court, should be accepted as a loan case.

Three, for the loan relationship is clear, and the creditor applies for a payment order, the people's court shall examine and accept it in accordance with the relevant provisions of the Civil Procedure Law on supervision procedures.

Four, the people's court to review the prosecution of loan cases, according to the provisions of Article 108th of the Civil Procedure Law, the plaintiff should be required to provide a written loan; If there is no written receipt, the necessary factual basis shall be provided. A lawsuit that does not meet the above conditions shall be ruled inadmissible.