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中共央行及银监会联手整顿“现金贷”
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Topic: 中共央行及银监会联手整顿“现金贷” (Read 133 times)
terry1xxx
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中共央行及银监会联手整顿“现金贷”
December 02, 2017, 04:34:46 AM
#1
12月1日,中共央行及银监会联手发布《关于规范整顿“现金贷”业务的通知》(下称《通知》),开始对网络小额贷款清理进行整顿,并要求贷款利率必须回归到年化36%以内。
据大陆澎湃新闻网报导,该《通知》称,监管部门暂停新批设网络(互联网)小额贷款公司;暂停新增批小额贷款公司跨省(区、市)开展小额贷款业务;已经批准筹建的,暂停批准开业;对于不符合相关规定的已批设机构,要重新核查业务资质。
此外,暂停发放无特定场景依托、无指定用途的网络小额贷款,逐步压缩存量业务,限期整改;未取得经营放贷业务资质,任何组织和个人不得经营放贷业务。
资金来源方面,《通知》禁止小贷公司以任何方式非法集资或吸收公众存款;禁止通过互联网平台或地方各类交易场所销售、转让及变相转让本公司的信贷资产;禁止通过网络借贷信息中介机构(也就是P2P网贷平台)融入资金。
《通知》还规定,禁止发放或撮合违反法律有关利率规定的贷款,亦即贷款利率必须回归到年化36%以内。
事实上,中共高法早在2015年9月1日开始实行的《关于审理民间借贷案件适用法律若干问题的规定》中明确界定,年利率低于24%为司法保护区,年利率在24%至36%之间为自然债务区,如果履行,则不要求退回,年利率超过36%的部分则为无效区。
但据澎湃新闻的报导,现金贷公司严格执行年化36%利率的寥寥无几,不少公司的利率折合成年化达到180%甚至500%,所以现金贷被称为“暴利行业”,有“嗜血现金贷”的称谓。
中国大陆金融改革研究院院长刘胜军两天前发文表示,当前现金贷存在借款人资质恶化,特别是在早期选择缺乏自控能力的大学生群体,导致不少悲剧事件;在营销环节存在通过劝诱、不充分披露信息、违约惩罚陷阱等手段,营造利率幻觉;出现违约后有采取裸条等暴力催收手段,侵犯借款人公民权利等问题。
文章称,这些问题本可通过监管解决。但由于监管缺位,相关法律缺失,以至于出现P2P、现金贷之类的创新业务时,监管部门缺乏相应的法律依据而不知所措。
此外,少数金融“大鳄”与握有审批权监管权的“内鬼”合谋,火中取栗,实施利益输送,个别监管干部被监管对象俘获,金融投资者消费者权益得不到安全保护
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