One sound. Com suspend payment

The central bank adjusted the targeted cuts to required reserve ratios assessment criteria for small and micro enterprises to reach the required reserve ratio and inclusive finance.

The People's Bank of China 65438 official website 10 announced on the evening of 2 October that since 20 19, the assessment standard of targeted cuts to required reserve ratios reserve ratio loans for small and micro enterprises in inclusive finance has been adjusted from "single household credit of less than 5 million yuan" to "single household credit10,000 yuan". (Central Bank official website)

industry

In 65438+February last year, online lending ushered in a low tide, and 2 17 companies withdrew.

According to the February 20 18 national P2P online loan industry express published by First Online Loan, in February 20 18, the national online loan turnover was 9120.7 billion yuan, with an average comprehensive annual interest rate of 9.05% and an average loan term of 10.8 months. By the end of 20 18 and 12, the balance of P2P online loans nationwide was 12094.2 1 billion yuan, down 4.25% from the previous month and 29.74% from the same period last year. Judging from the number of online lending platforms, by the end of 65438+February, there were basically normal platforms 1363 in China, and 2 17 platforms withdrew from the online lending industry in 65438+February, an increase of 130 over the same period last year and an increase of 123 from the previous month. The number of withdrawals was second only to 263 in July, the peak of online lending. (The first online loan)

A voice. Com: Withdrawing from the draft is not the ultimate redemption plan.

Following the announcement of benign exit at the end of last year, on June 3rd, 65438+ Shanghai P2P platform Yiyou. com released "Explanation 3 after the Platform Released the Exposure Draft for Benign Exit", pointing out that the exposure draft for benign exit released by Yiyou.com on February 29th, 2008 was not a definite implementation plan. The specific benign exit plan will be fully communicated with the lender and determined with the participation of relevant departments. (Dai Yi. com)

The third phase of Xinhe Hui cannot be paid as scheduled, and Zhenxin plans to stop work.

20 19 1.2, the credit union held a lender meeting. From the live video of the just-concluded meeting between representatives of credit cooperatives and lenders, it is not optimistic that the overdue payment of credit cooperatives has turned sharply. The video shows: 20 19 1.6, the third installment cannot be paid as scheduled, the platform has no money, and the "sincerity plan" stops; Negotiations with AMC are not smooth, and several conditions put forward by AMC cannot be met; 16/0, platform 65438 will make a new scheme in official website, involving the transfer of creditor's rights to new entities. (get to know each other)

20 18 Mobile Payment Report: Nearly 90% of users accept bar code payment.

Recently, the latest survey report of mobile payment users in 20 18 released by the mobile payment and online payment working committee of China Payment and Clearing Association shows that in 20 18, 89. 1% of users can accept the use of bar code payment, while 10.9% of users choose not to accept it, and 20/kloc- It shows that through the active layout and cultivation of market players for many years, users' use and acceptance of bar code payment has reached a high level. (Jin Pingmei)

At present, when the financial brewing broke out, there were more than 10 companies waiting in line for license approval.

Although the Internet finance industry as a whole is still at a low ebb, consumer finance platforms are constantly emerging. Today, Internet traffic platforms such as headlines, Meituan and Didi Chuxing. It has also begun to enter the market, and the door to issuing consumer finance licenses has a trend of "reopening". 2065438+September 2008, CITIC Consumer Finance and Xiamen Jin Meixin Consumer Finance obtained licenses. At present, there are still more than 10 companies waiting in line for license approval. (Time Weekly)

visual angle

Yao Qian: The development of digital currency needs interdisciplinary theoretical guidance.

6543810.2, Yao Qian, former director of digital currency Research Institute of the Central Bank and general manager of China Securities Group, published an article in China Law Journal, analyzing digital currency's design concept, technical supervision and frontier focus. Yao Qian pointed out that the future development of digital currency needs not only the support of practical experience, but also the theoretical guidance of many disciplines and fields, including law. The legal definition of digital assets, the legal norms of decentralized use, the legal effect of smart contracts, the data and information protection of blockchain technology, and the relevant legislation of statutory digital currency are all in urgent need of legal researchers' insights.

Related Q&A: What should I do if all online loans and credit cards are overdue? Usually, if a friend whose online loan is overdue is unable to repay, the best way is to change his mobile phone number. (The original number is kept or muted because many apps are bound or reserved numbers are useful. Don't answer the phone call of the collection staff (provided that you explain everything to your family and friends so as not to affect the normal life of others). Don't pay attention to WeChat and text messages, because as long as you ignore them. This will make you feel worse. Usually, he will ask you to pay the minimum amount first. In fact, it is not helpful for your arrears and credit information. If you pay back the money, they will continue to ask you to pay more. If it is really unable to repay, then negotiate a way acceptable to both parties, and pay less for yourself and the online loan company will collect less. After all, the online loan company helped you when the debtor was short of money, and it was wrong not to pay back the money. There are also more formal loans, such as micro-XX loans, borrowing XX, and so on. They won't expose your address book, they will only handle it like an overdue credit card. They will use some more formal methods to force you, such as implementing the list of dishonesty, poor credit reporting, or contacting the local court to file a lawsuit. However, most of these words are also scaring you, unless you owe a lot. However, I think this kind of formal online loan is better to pay back the bank's money. If there is really no money to pay back, then wait for the deadline to negotiate repayment with them. Online loans can last for a year or two and will not affect your life. However, if the debtor fails to repay the loan on time after successful negotiation, the negotiation content will be automatically dissolved, and the previously reduced interest and liquidated damages still need to be repaid and will increase. But there is one thing that can't be solved, that is, overdue collection is definitely not good. Repayment needs to be made in loans overdue, such as Jiexx and Yiyxx. You can be tough and keep them from contacting relatives and friends. Although I haven't paid back the money, I can still be tough. These institutions are afraid of complaints. Once a customer complains that their staff can't get the commission, but you want to talk to them professionally, they will make a record in the background and temporarily stop the collection, which can help you delay for a while. In short, online loans are overdue. Don't ask what to do. When you have no money, it's no use talking more. Let them do whatever they want, find a job for the time being and pay back the money bit by bit. Don't say that the salary is too low and there are too many debts. It is still unclear. These words are all excuses for yourself. In your case, if you don't have an ideal job, find one with a higher salary. It is ok to work hard. Going ashore early is the last word. And these loans overdue, there will be liquidated damages, and it doesn't matter. Generally, it is overdue for a long time, and all overdue fees can be reduced or exempted for you. Don't have any illusions. Only when you work with peace of mind will you slowly go ashore. In short, it doesn't matter if young people are in debt, so they don't need to be afraid. Think of it as your youth and ignorance. Who hasn't been young? Everyone's life is smooth sailing, don't give up, people have unlimited possibilities as long as they are alive! Related Q&A: The online lending platform says that overdue records can be cancelled as long as the loan platform is paid off. Is it true? After you repay the loan, the online loan platform will eliminate your overdue record. The so-called elimination of overdue records is actually to change your loan bill into settled, so the bill you stored in the background database will change from overdue to settled, and your loan record will not be deleted directly.

I also borrowed an online loan, which was overdue and paid back after the deadline. All overdue bills have become settled, but the premise is that formal online lending platforms, such as those downloaded from the mall, will modify the overdue status for you after you finish, so don't worry, but pay attention to the repayment method to prevent third parties from collecting company routines.

I send you my repayment method, hoping to help you:

1. Ask the other party to add your WeChat and send your overdue bill (including loan contract, amount, overdue time, overdue amount, etc.) before repayment. ) to prove that he is a real collector.

2. Download the same online loan app yourself, and take a screenshot of your loan record (the bill displayed on the app) and compare it with the record sent to you by the collection staff. If there is a big difference, then he is a fake collection, or an outlaw who buys fake data. You can delete him directly.

3. After confirming that the bill sent by the collector is true, negotiate with him first, tell your current difficulties and situation, and promise how long to repay.

4. If the online loan is overdue for a long time, you can communicate directly with the principal, otherwise the money is not enough to handle the bill. Most online lending platforms will choose to pay only the principal, and don't be stupid enough to pay back the interest and liquidated damages.

5. Repayment must be returned to the corporate account of the online lending platform. Don't transfer money directly to the collectors through WeChat to prevent being deceived. If the other party changes his mind after transferring to Gong Hu, and demands to repay all the penalty interest, then directly save the chat record and transfer record with him and report the case to the local public security organ. Although the loan is a civil dispute, the nature of fraud or deception is different.

Borrowing should be rational, repayment should be positive, don't evade after the deadline, and communicate well with the collection staff. Most collection staff will not scold the borrower as soon as they come up, and ask the other party to issue a settlement certificate after repayment. This is the evidence of your repayment settlement. Remember to remember.