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Chongqing stipulates that the total loan cost of a small loan company must not exceed 4 times the benchmark interest rate.
Small and micro enterprise loan costs have always been a big problem, quite a lotMicrofinanceThe total cost of the company's loans will even exceed four times the central bank's benchmark interest rate. Recently, the Chongqing Small Loan Company Association issued the "Regulations on Strengthening Self-discipline of Industry Self-disciplineLending ratesThe Notice of Management Regulations (hereinafter referred to as the “Notice”) requires that the sum of the interest-added fees of small loan companies shall not exceed 4 times the benchmark interest rate.
According to the requirements of the Notice, at the end of the year, the gap between supply and demand of enterprises is large.Private lendingInterest rates are on a cyclical upward trend. In order to effectively reduce the financing costs of small and medium-sized enterprises, the Municipal Small Loan Association requires the city's small loan companies to strengthen industry self-discipline and strictly prohibit the violation of loan interest rate management regulations.
The "Notice" clearly stipulates that all small loan companies must strictly implement the regulations governing the loan interest rate of the Municipal Finance Office. The sum of the loan interest rate and related charges shall not exceed 4 times the benchmark interest rate of similar loans announced by the PBOC, and the interest rate and fee transparency shall be increased. The loan interest rate and charging standard are stated in the loan contract.
At the same time, the Chongqing Small Loan Association will organize personnel to carry out investigations on loan interest rates. Once problems are discovered, they will report to the regulatory authorities in a timely manner and recommend that the regulatory authorities take drastic measures.
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