How to report the illegal operation of bank loans
1, the parties can call the 12377 hotline to report. This is the telephone number of the National Internet Information Office, that is, the telephone number of illegal and bad information on the Internet in China.
2. Complaints can be reported in official website, Beijing Internet Finance Association.
3. Online reporting: If you complain about violations of laws and regulations, you can visit official website of Beijing Internet Finance Association.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state.
If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.
If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract.
The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.
The bank loan audit is not strict, and the loan officer violates the rules. How to sue banks for routine loans?
1. First of all, we can choose CBRC to report complaints. The bank you reported will be investigated and verified by the CBRC.
2. If we have certain evidence, we can choose to call the police and let the police intervene in the case investigation, so it is a very critical issue to grasp the evidence.
Illegal lending is an economic crime. Is the flow of housing loan funds normal and legal? There is no violation of the law. If it is confirmed that the bank has
4. When we submit the report materials to the CBRC, after receiving the report materials, the CBRC will ask the bank to investigate and directly reply to the complainant.
When reporting, you should first prepare the materials and complain to the CBRC in writing.
Record and explain the complaints and their nature in detail, and report to the local police station.
Illegal lending is an economic crime and should be protected by law.
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What routines should bank loans pay attention to?
"Fine" mortgage repayment is a low-risk and high-quality loan with the highest interest at the initial stage. Because the repayment methods of banks are different, the amount paid will vary greatly.
Generally, the most common repayment methods are equal principal and interest and average capital. The date of automatic repayment at the end of the year will be advanced.
If repayment is made through the counter or ATM, the final repayment settlement is on the day when the loan amount is tight, and many banks have to relax the amount for their own benefit.
1, the housing loan with prepayment and "penalty" is a low-risk and high-quality loan with the highest initial interest. Because the bank operates for the benefit of others, it does not support prepayment. One is to sign a loan contract when borrowing money, clearly indicating the repayment time and amount. If you repay in advance, it is equivalent to breach of contract and you need to pay liquidated damages.
2. Due to different repayment methods, the amount of payment will vary greatly. Generally, the most common repayment methods are equal principal and interest and average capital. Finally, the interest paid can reach hundreds of thousands. As far as banks are concerned, they will not take the initiative to ask for repayment of average capital. If so, the borrower will pay much less interest and the income to the bank will be reduced.
3. The automatic repayment date is advanced to the end. If repayment is made through the counter or ATM, the last repayment settlement time is 24: 00 on the same day. If it is automatic repayment, it will generally arrive in the afternoon of the last repayment date, because it needs system settlement.
Loan officers of rural credit cooperatives lend illegally. I want to complain about which unit I go to.
You can complain to his superior management department, or you can complain to the local banking regulatory bureau or a higher regulatory department.
Different loan managers bear different responsibilities for illegal loans according to the following standards:
1, farmers' micro-credit loans, in which the account manager is the first responsible person and bears 100% responsibility for the illegal loans formed;
2. Within the prescribed examination and approval authority, the credit representative is the first responsible person for all loans directly handled by the credit business personnel, and is responsible for 100% of the illegal loans formed.
3. If the account manager exceeds the approval authority of the account manager, the account manager agrees to report the loan to the person in charge of the credit cooperative for approval. The account manager is responsible for 70% of the first responsible person and the person in charge of the credit union is responsible for 30% of the second responsible person.
4. If the account manager disagrees, and the person in charge of the credit cooperative insists on issuing loans, the person in charge of the credit cooperative shall bear the responsibility of the first responsible person 100%, and the account manager shall not bear the responsibility.
5. Loans exceeding the approval authority of the credit cooperatives shall be examined and approved by the credit cooperatives and reported to the credit cooperatives for approval. If the responsible person has been determined, the responsible person shall prevail. If the responsible person is not determined, the credit union shall hold the account manager as the first responsible person, taking 70% responsibility, and the responsible person of the credit union as the second responsible person, taking 30% responsibility. If the account manager disagrees with the report, and the person in charge of the credit cooperative insists on reporting, the person in charge of the credit cooperative shall bear the responsibility of the first responsible person 100%, and the account manager of the credit cooperative shall not bear the responsibility.
6 trade union leaders and staff of various departments recommend or introduce loans issued by credit cooperatives. Whoever recommends or introduces the loan will be the first responsible person and bear the responsibility of 100%.
7, credit cooperatives collective multi-person investigation, review, decision-making, multi-person investigation, review, decision-makers share the corresponding proportion of responsibility.
The following loans are issued in violation of regulations:
1, beyond the examination and approval authority, broken into parts, large amount, self-approval and self-loan, multi-loan for one household, and large loans do not need collective examination and approval;
2, the use of authority to do business, profit from it, or ask for bribes to issue loans;
3. Illegally collecting interest by loans or repaying loans by loans;
4, in violation of regulations or unauthorized loans;
5. Fake loans;
6. Mortgage loans issued without going through the mortgage (pledge) formalities as required;
7. Loans issued by off-balance sheet business.
8. The conditions for granting credit loans or secured loans to related parties are better than similar loans of other borrowers.
Loan.
9. Loans to people who are not qualified to borrow, and loans that do not conform to the national industrial policy or unreasonable investment.
Loans;
10 Other loans issued in violation of regulations.
How to report illegal lending on the platform?
The platform illegally lends money and reports it to the Public Security Bureau. Loans are divided into two types: incomplete procedures and violation of the system. It is illegal for bankers to recover loans. Only the audit and management departments of banks can directly withhold loans or take legal action. If the borrower himself or colludes with the bank's internal personnel to defraud the loan with false materials, he should report to the Public Security Bureau (Economic Investigation) through the banking department. And you can also report to the banking regulatory bureau. Therefore, the parties concerned can report the bank's illegal lending to the banking regulatory bureau, so as to handle this matter well and safeguard their own interests.
legal ground
"China People's Bank Law" Article 3 The People's Bank of China has the right to inspect and supervise the following acts of institutions, other units and individuals:
(a) the implementation of the relevant provisions of the deposit reserve management;
(2) Acts related to the special loans of the People's Bank of China;
(three) the implementation of the relevant provisions on the administration of RMB;
(four) the implementation of the provisions on the management of the interbank lending market and the interbank bond market;
(five) the implementation of the relevant provisions on foreign exchange management;
(six) the implementation of the relevant provisions of the gold management behavior;
(7) Acting for the People's Bank of China to manage the national treasury;
(eight) the implementation of the relevant provisions of liquidation management;
(9) Implementing relevant anti-xq.
Prescribed behavior.