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- No more than 4 bank cards? It's not like this In March this year, the China Banking Regulatory Commission (CBRC) issued the "Notice on the Banking Industry to Combat the Matters Concerning the Handling of New Types of Violations of Telecommunications Networks and Related Crimes." It clearly stipulates strict restrictions on the number of card openings. The same commercial bank shall open a debit card for the same customer. In principle, it must not exceed 4 cards. . For 4 have been processed...
Chongqing stipulates that the total loan cost of small loan companies must not exceed 4 times the benchmark interest rate
The cost of loan for small and micro enterprises has always been a big problem.MicrofinanceThe total loan cost of the company may even exceed four times the central bank's benchmark interest rate. Recently, the Chongqing Municipal Association of Small Loan Companies issued the "Strict Implementation of Strengthening Self-regulation in the Industry."Lending ratesNotice of Management Regulations (hereinafter referred to as "Notice") requires that the sum of interest and fee increases of small loan companies should not exceed four times the benchmark interest rate.
According to the “Notice” requirement, at the time of year-end and year-end, there is a large gap between supply and demand for corporate funds.Private lendingThe interest rate showed a phased upward trend. In order to effectively reduce the financing costs of small, medium and micro enterprises, the City Small Loan Association requires that the city's small loan companies must 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 municipal financial office's regulations governing loan interest rates. The sum of lending rates and related charges must not exceed 4 times the benchmark lending rate of the same period announced by the People's Bank of China, requiring transparency and interest rate transparency. The loan interest rate and fee standard are stated in the loan contract.
At the same time, Chongqing Small Loan Association will organize personnel to investigate the interest rate of loans. Once problems are discovered, they will report to the regulatory authorities in a timely manner and recommend that the regulatory authorities take stringent measures.
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