Mongolian businessmen will call a few days after the consumption is overdue.

Hello, Mongolian businessmen will call to ask the reason for not paying for 7 days overdue.

The predecessor of Mongolian merchants' elimination of gold is contractor's consumer finance. Baoshang Consumer Finance was established on 20 16, and was controlled by Baoshang Bank. It was renamed as Shang Meng Consumer Finance in March 20021year. After Shang Meng Xiaojin changed its name, the original self-operated loan product "Baoyou Loan" was upgraded to "Meng Xiangjin", and after the upgrade, it still lent at an interest rate close to 36%.

: 1. The qualification of Mongolian consumer cooperative enterprises is unknown.

Since the Supreme Law revised the upper limit of private lending interest rate on August 20, 2020, there has been controversy in the industry about whether licensed consumer financial institutions are restricted by four times LPR (loan market quotation). However, some institutions have adjusted interest rates.

In September last year, at the news briefing of the CBRC, the director of the Consumer Protection Bureau of the CBRC criticized six kinds of chaos in consumer rights protection, which mentioned that "the interest rate of individual consumer finance companies is too high, and tying insurance is compulsory, and the comprehensive financing cost of some customers exceeds 24%, even close to 30%."

According to media reports, in June last year, 5438+065438+ 10, a person from a consumer finance company in the southeast coastal area said that the supervision had been guided by the window, requiring consumer finance companies to ensure that the interest rate of new loans should not exceed 4 times of the LPR interest rate at the highest, that is, 15.4%.

Under the supervision and guidance of supervision, lowering the interest rate of consumer finance has become an inevitable trend, and there are not many institutions such as Mongolian businessmen and consumers that still lend at the legal red line of 36%.

According to the interest rates of 28 licensed consumer companies surveyed by Caijing New Media, the interest rates of most consumer companies are already within 24%, and only the annualized interest rates of loans consumed by Yin Bei, Jinshang, Haier House and Shang Meng are close to 36%.

Han Dong, a Beijing Intermediate Law Firm, said that although it has always been controversial whether licensed financial institutions implement the latest interest rate, in previous cases, the court refused to support the interest rate of financial institutions exceeding 24%. Han Dong believes that the borrower can bring a lawsuit to the court and ask the Mongolian businessman to reduce the interest to below 24%.

WEMONEY Research Office called Shang Meng Xiaojin as the complainant, and its collection staff said that the returned part would not be offset, and the rest could be settled in advance, requiring a handling fee of two thousandths.

According to the announcement of the central bank on April 30th, 2020, the equity investment of Baoshang Bank shall be undertaken by Shang Meng Bank. The change of Baoshang Bank has also attracted the industry's attention to Yin Bao's consumer finance. Shang Meng Bank has become the largest shareholder of Yin Bao's consumer finance, with a shareholding ratio of 44. 16%. Yin Bao Consumer Finance is the17th licensed consumer finance company in China, which was established by Baoshang Bank with a registered capital of 300 million yuan.