Is the news of 1069 true or not?

In fact, the overdue short message sent to the user at the number beginning with 1069 is probably true.

Because 1069 is a non-profit business across provinces and countries, the Ministry of Information Industry is mainly responsible for this number. China Mobile, China Unicom and China Telecom all cooperated with him.

Under normal circumstances, this kind of short message is sent in batches, which is a common dunning number when financial institutions collect money.

So when the user receives the overdue SMS from the number starting with 1069, it is probably true.

However, users should not trust the content of short messages easily, and should look for the customer service staff of financial institutions to check their monthly bill details.

1069 is the lawsuit notification SMS valid?

The short messages of 1069 are generally sent in batches for dunning. If the lender really sues the overdue person, then the overdue person should receive a short message or summons from the court, instead of the short message starting with 1069 informing the user that it has been sued.

The reason why users can receive such short messages is mainly because financial institutions are trying to urge users to repay quickly to ensure the safety of their own funds, and also to prevent users' personal credit reports from getting credit. Moreover, the short message number at the beginning of 1069 covers a wide range. If users have questions about this, they can directly call the police to check the authenticity.

The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate

The decisive factors of bank loan interest are:

1, bank cost. Any economic activity needs cost-benefit comparison. There are two types of bank costs: borrowing costs-prepaid interest on borrowed funds; Additional cost-the cost of normal business.

2. Average profit rate. Interest is the subdivision of profit, which must be less than the profit rate, and the average profit rate is the highest limit of interest.

3. Supply and demand of loan funds. If the supply exceeds the demand, the loan interest rate will inevitably fall, and vice versa. In addition, the loan interest rate must also consider price changes, securities returns, political factors and so on.

However, some scholars believe that the upper limit of interest rate should be the marginal rate of return of funds. The factor that restricts the interest rate is regarded as the comparison between the profit growth rate of enterprises after borrowing bank loans and the loan interest rate. As long as the former is not lower than the latter, it is possible for enterprises to borrow money from banks.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. Interest rates in China are managed by the Central Bank. Bank loan interest rate refers to the benchmark interest rate set by the central bank, and the actual contract interest rate can fluctuate within a certain range on the basis of the benchmark interest rate.