Joke Collection Website - Public benefit messages - The state announced that the maximum penalty for usury is 3 years, and it will be implemented in March 1!
The state announced that the maximum penalty for usury is 3 years, and it will be implemented in March 1!
After usury was severely punished, usury was also the most severe punishment in history. 202 1, goodbye to usury, goodbye to violent collection. Written | Produced in Yin Mu | Behind the rampant usury in consumer finance channels, violent collection has contributed as an "umbrella". Courts, procuratorates and police jointly cracked down on usury, and violent collection and illegal collection attached to the usury chain were also severely punished. At the end of 2020, the 24th session of the 13th the National People's Congress Standing Committee (NPCSC) voted to pass the Amendment to the Criminal Law (XI), which clearly defined the nature of usury and made it a crime to collect illegal debts arising from high-interest loans by means of violence and soft violence. According to the amendment, in any of the following circumstances, illegal debts arising from high-interest loans, etc. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined: (1) using violence or coercion; (2) restricting the personal freedom of others or intruding into others' houses; (3) Threatening, stalking or harassing others. In the past two years, the black and gray industries such as usury have been strictly monitored by the supervision, and the police, courts and other departments have also intensified their crackdown, increasing the cost of usury crimes. Especially after the party of 20 19/3 15, 7 14 anti-aircraft guns were named, and online and offline usury gangs were destroyed. In the process of rectifying usury and routine loans, related violent collection companies have also been terminated by the police, and the collection industry has been in turmoil for a while. However, after the state explicitly banned violent collection, many illegal collection agencies continued to collect money for usury under the guise of technology companies. According to the information released by the police, Yongkang police transferred a criminal gang engaged in violent collection to prosecution last year. All 23 suspects of the criminal gang were arrested and 50 million yuan was frozen. In addition, the police also seized more than 60 mobile phones and 23 computers. This violent collection company, located in Wuhan, Hubei Province, mainly serves P2P lending companies, pretending to be evil forces in collection means, and intimidating borrowers through telephone voice, SMS, WeChat and other means. When the overdue loans are recovered, they can get a high commission. Borrowers are prone to usury and violent collection. In the final analysis, the users of consumer finance and private lending are mostly concentrated in the sinking market, with weak financial knowledge and lack of reasonable planning and safety awareness of credit consumption. Some usury gangs, taking advantage of the loopholes in consumers' financial knowledge, have designed various loan traps to harm consumers. When borrowers are heavily in debt and give up repayment, they fall into violent collection gangs. Some borrowers reported that 20 17 borrowed 40,000 yuan from an online lending platform, with a loan period of 36 months and a monthly repayment of 2,063 yuan. However, after the contract was signed, the loan platform deducted several thousand yuan in the name of service fee, and the comprehensive interest rate of the loan far exceeded 36%. After the repayment of 20 installments, the borrower decided not to repay the loan for the time being, and was threatened by the violent collection company and even "robbed the house". Since the outbreak of the epidemic, some underground usury platforms have made a comeback, and the surge in bad debts in the credit sector has created space for the collection market. Some illegal cash lending platforms use information asymmetry, which greatly increases the financing cost of borrowers and exploits borrowers. Once the borrower fails to pay off the debt, the usury platform will collect it through an outsourced violent collection agency. Since last year, usury has been severely punished. For the first time in China, usury and beheading are prohibited from the legislative level. From the fact that usury and beheading interest are written into the Civil Code, it can be seen that the state is of great significance to usury in hell to pay and to regulate the credit industry. At the same time, in order to cut off the chaos of routine loans and usury from the source, the Supreme People's Court announced that it would adjust the protection upper limit of private lending interest rate to four times that of one-year LPR (loan market quotation rate). Take the current one-year LPR quotation of 3.85% as an example, which is 15.4% according to four times of 3.85%. Compared with the traditional two-line and three-zone interest rates, the decline is obvious, and more than 15.4% is usury. For consumers, this policy can effectively prevent chaos such as usury. It is obviously not feasible for some cash lending platforms to increase the comprehensive cost of loans through surcharges such as service fees, evaluation fees and guarantee channel fees. In recent years, through paying fees, deposits, unfreezing funds and other gimmicks, in the form of a formal platform, cases of accurate fraud against borrowers have emerged one after another. According to statistics, this data accounts for nearly 35% of all telecom fraud cases. Routine loan is essentially usury, and the rampant routine loan increases the hidden danger of violent collection. With the promotion of special activities to crack down on routine loans and usury, these criminal gangs and the technical service providers, data service providers, payment service providers and violent collection agencies behind them will emerge one by one. Routine loans and usury are the reasons, and violent collection is the result. In order to thoroughly clean up the violent collection, we must first destroy the routine loan. The relevant person in charge of the Ministry of Public Security said that the public security organs will continue to crack down on such crimes, crack down on illegal lending and illegal collection of criminal gangs in accordance with the law, and seriously investigate and deal with illegal and criminal acts such as reselling citizens' personal information, providing technical support and funding channels. Now usury and usury are prohibited, and more severe punishment measures will have an unprecedented deterrent effect. After some rectification, some collection companies provide compliance training for employees, including collection attitude and compliance requirements, and some even require that the attitude of collection personnel must meet customer service standards. "The collection agencies are no longer afraid to accept the collection orders of usury and online loans. Although the profit is high, the risk is too great, and there is a risk of going to jail if you are not careful. " Some collection practitioners said that collection agencies willing to accept usury generally involve violent collection, which is an important part of black ash production.
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