Where is the online loan usury reported?

1, you can call the 12377 hotline to report. This is the telephone number of the National Internet Information Office (China Internet Illegal and Bad Information Reporting Telephone).

2. Complaints can be reported in official website, Beijing Internet Finance Association.

Reporting link: Complaints about violations of laws and regulations (official website, Beijing Internet Finance Association)

Second, the report matters needing attention:

1, complaints are divided into individuals and institutions, corresponding to different reporting pages;

2. The platform is a real-name complaint, and non-real-name complaints will be regarded as invalid complaints;

3. The information to be filled in for reporting includes name, ID number, complaint company, complaint website, complaint APP name, complaint type, complaint details and attachments.

4. The types of complaints include abnormal usury, improper collection, invasion of personal privacy, etc.

5. The details of the complaint need to indicate the date, target, investment amount, cost, etc. If you have documentary evidence such as chat screenshots and contracts, you can package them and upload them to the attachment.

The more detailed the above information, the more conducive it is to the verification of the association, so everyone should fill it in as completely and truly as possible.

Extended data:

First, raise awareness and accurately grasp the principle of "cash loan" business development.

(a) the establishment of financial institutions and financial activities must be subject to access management according to law. No organization or individual may engage in loan business without obtaining the qualification for loan business according to law.

(2) The comprehensive capital cost charged by various institutions to borrowers in the form of interest rate and various fees shall conform to the provisions of the Supreme People's Court on the interest rate of private lending, and it is forbidden to issue or match loans that violate the relevant interest rate provisions of the law.

The comprehensive capital cost charged by various institutions to borrowers should be converted into an adult form, and information such as loan conditions and overdue treatment should be fully disclosed in advance to remind borrowers of relevant risks.

(3) All institutions shall abide by the principle of "know your customer", fully protect the rights and interests of financial consumers, and shall not induce borrowers to borrow excessively in any way and fall into the debt trap.

The borrower's credit status, solvency and loan use should be comprehensively and continuously evaluated, and the borrower's appropriateness, comprehensive capital cost, upper limit of loan amount, loan term, loan extension limit, "cooling-off period" requirement, loan use limit and repayment method should be carefully determined. Loans may not be issued to borrowers without income sources, and the total debt burden of a single loan is clearly set at an upper limit, and the number of loan extensions is generally no more than 2 times.

(4) Institutions should adhere to the principle of prudent operation, and comprehensively consider the possible impact of factors such as lack of credit records, long-term loans and fraud. In terms of loan quality, strengthen risk internal control, carefully use the "data-driven" risk control model, and do not conceal non-performing assets in various ways.

(five) all kinds of institutions or entrusted third-party institutions shall not use violence, intimidation, insult, slander, harassment and other means to collect loans.

(VI) Various institutions should strengthen the security protection of customer information, and shall not steal or abuse customer privacy information in the name of "big data", or illegally buy, sell or disclose customer information.

Two, overall supervision, to carry out the rectification work of network microfinance.

(1) The supervision department of microfinance companies suspended the establishment of new online (Internet) microfinance companies; Suspension of a new batch of microfinance companies to carry out microfinance business across provinces (autonomous regions and municipalities). If the preparatory establishment has been approved, the approval for opening the business shall be suspended. The examination and approval department of a small loan company shall comply with the provisions of relevant documents of the State Council. For approved institutions that do not meet the relevant provisions, their business qualifications should be re-examined.

(2) Strictly regulate the management of online microfinance business. Suspend the issuance of online micro-loans without specific scenarios and designated purposes, gradually reduce the stock business, and complete the rectification within a time limit. Effective measures should be taken to prevent borrowers from "supporting loans with loans" and "borrowing from multiple sources". It is forbidden to issue "campus loans" and "down payment loans".

It is forbidden to issue loans for speculative operations such as stocks and futures. Local financial supervision departments should establish sustainable and effective supervision arrangements, and central financial supervision departments should strengthen supervision.

(3) Strengthen the prudent management of the sources of funds of microfinance companies. It is forbidden to illegally raise funds or absorb public deposits in any way. It is forbidden to sell, transfer or transfer the company's credit assets in disguised form through Internet platforms or various local trading places. It is forbidden to integrate funds through information intermediary in peer-to-peer lending.

Funds included in the name of credit asset transfer and asset securitization should be combined with on-balance-sheet financing, and the ratio of total financing to net capital after combination shall be temporarily implemented according to the local current ratio regulations, and all localities shall not further relax or relax the ratio regulations of microfinance companies in disguise.

For small loan companies that exceed the prescribed proportion, a scale reduction plan should be formulated to meet the relevant proportion requirements within a time limit, and the supervision department of the small loan company will supervise the implementation.

The supervision departments of small loan companies in all provinces (autonomous regions and municipalities) are responsible for the rectification of online small loans. The central financial supervision department will formulate and issue the implementation plan for the special rectification of network microfinance risks, and further refine the relevant work requirements.

III. Intensify efforts to further standardize the participation of banking financial institutions in "cash loans" business.

(1) Banking financial institutions (including banks, trust companies, consumer finance companies, etc. ) We should strictly follow the Interim Measures for the Administration of Personal Loans and other relevant regulatory and risk management requirements, and standardize the loan issuance activities.

(2) Banking financial institutions shall not provide funds for lending to institutions without lending business qualifications in any form, and shall not contribute to lending to institutions without lending business qualifications.

(3) Where a banking financial institution cooperates with a third-party institution to carry out loan business, it shall not outsource core business such as credit review and risk control. The "loan assistance" business should return to its original source. Banking financial institutions shall not accept credit enhancement services provided by third-party institutions with unsecured qualifications and disguised credit enhancement services such as bottom-up commitments. They should ask and ensure that third-party cooperative institutions do not charge interest fees to borrowers.

References:

Baidu Encyclopedia-Notice on Standardizing and Rectifying Cash Loan Business