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借贷纠纷2年增5倍 法院建议银监会禁止预扣中介费
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Topic: 借贷纠纷2年增5倍 法院建议银监会禁止预扣中介费 (Read 188 times)
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借贷纠纷2年增5倍 法院建议银监会禁止预扣中介费
May 11, 2017, 11:05:58 AM
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央广网北京5月11日消息 据中国之声《央广新闻》报道,民间借贷作为一种资源丰富、操作简便的融资手段,一定程度上促进了经济发展,随着互联网经济活动的日渐活跃,在自然人、法人和其他组织之间的传统借贷关系类型之外,还出现了P2P网络借贷、网络小额贷款等新型借贷方式。由于民间借贷活动存在手续不完备、担保不足等特点,导致民间借贷纠纷案件高发。北京朝阳法院今天上午发布《民间借贷纠纷案件审判白皮书》,同时向中国银监会发出司法建议。
北京朝阳法院通报,近几年民间借贷纠纷案件增长迅猛,2014年该院受理民间借贷纠纷1956件,至2016年这一数字已增长至11658件,两年增长了近5倍。今年增长势头仍然不减,仅前4个月,该院已受理此类案件8777件。同时,涉案标的数额巨大,超大标的案件数量持续上升。2016年该院审结民间借贷案11183件,总标的56亿,单个案件最大标的9400万,标的超过1000万的案件数量由2013年的21件上升为2016年的95件。而且串案多,原告诉讼主体集中在少数个人及公司。
法官郝卓介绍,2016年审结的民间借贷纠纷案件中,近1/3的案件仅由一家公司、20名自然人提起,占原告诉讼主体的0.58%。
法院发现通过网络借贷信息中介机构运营的网贷平台达成借贷关系的案件占有一定比例。民一庭副庭长矫辰分析,此类案件在审理中存在两类主要问题,一是,网络借贷信息中介机构变相为出借方提供信用担保的增信服务。即网络借贷信息中介机构与出借人约定,在借款发生逾期时,网络借贷信息中介机构承诺代偿借款,受让出借人债权。网络借贷信息中介机构受让债权后再转让给关联公司,由关联公司作为原告对借款人提起诉讼;二是,网络借款信息中介机构与其法定代表人、主要负责人等关联方财产存在混同嫌疑,由关联方作为名义出借人,中介机构作为实际出借人,既收取借款利息也收取高额服务费,并在出借本金中预先扣除服务费,变相突破了《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第二十六条规定的民间借贷利息上限,收取高额利息,且预先扣除服务费使得借款人实际收到借款本金数额减少,发生大量争议。
根据《网络借贷信息中介机构业务活动管理暂行办法》(以下简称《暂行办法》)第十条,网络借贷信息中介机构不得直接或变相向出借人提供担保或者承诺保本保息;第二十条,借款人支付的本金和利息应当归出借人所有。网络借贷信息中介机构应当与出借人、借款人另行约定费用标准和支付方式。法院认为,目前网络借贷信息中介机构存在的以上两点问题不利于网络借贷行业的健康发展,与促进普惠金融的宗旨亦相悖。
针对这些情况,北京朝阳法院向银监会提出司法建议:一、在《暂行办法》第十条第(三)项规定的基础上,进一步明确,中介机构及其关联方不得通过代借款人清偿借款的方式从出借人处受让债权;二、在《暂行办法》第二十条规定的基础上,进一步明确网络借贷信息中介机构不得与借款人约定将服务费等由中介机构收取的费用直接从借款本金中扣除。
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Re: 借贷纠纷2年增5倍 法院建议银监会禁止预扣中介费
May 12, 2017, 01:56:53 AM
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Re: 借贷纠纷2年增5倍 法院建议银监会禁止预扣中介费
May 12, 2017, 04:04:35 AM
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