The micro-credit guarantee chaos: see one dish under an additional cost
according to the voice of the economies of the world financial report, the Central Bank's latest data, at the end of June, China's microfinance companies a total of 8,394, among them, the loan balance 881.1 billion yuan, and is expected to increase to 8 trillion yuan, 10 times.
authorities wide nets finance and Economics in Beijing, August 1 (reporter Lou Ming Wang Zhaodi) according to the voice of the economies of the world financial report, the Central Bank's latest data, at the end of June, China's microfinance companies a total of 8,394, among them, the loan balance 881.1 billion yuan, and is expected to increase to 8 trillion yuan, 10 times. But journalists found that parts of the micro-credit guarantee company fees, arbitrary pricing is serious, urgent need for monitoring to the next level.
small loan companies to potential security companies like
China Banking Regulatory Commission in conjunction with the Central Bank, jointly drafted the administrative measures for microfinance companies (draft for soliciting opinions), plans to further broaden the scope of small loan companies, bank financing leverage restrictions were abolished, the loan balance is expected from 881.1 billion yuan, increasing to 8 trillion yuan, suggesting the enormous room for the development of the microfinance industry in the future.
funds of a microfinance company primarily from loan guarantee company, the funds come mainly from bank loans and loan guarantees the company. Small loan company lending of up to 200,000 yuan, loan-guarantee company loans up to a maximum of 10 million Yuan. However, when a reporter to microfinance company identity, ask a Beijing security company for security matters, the other side has always been reluctant to disclose fees over the phone.
company: we must charge you fees you to our company, we help you determine the end Bank in order to determine, banks to cooperate more, do as the current market price, a bit lower than the market price.
unspoken rules of the industry secretive when Hugh?
as secretive as this, refused to disclose fees guarantee companies, no one in Beijing. Journalist login 58 city in the search bar, enter "loan company", the first page in the list, through the real-name authentication there are dozens of homes, but most are new companies registered last year, only 1-year period. Journalists randomly dialed several security company phone, but no one was willing to disclose fees.
company: take a look at your qualifications, your character does not meet the, and then we will talk to you about is how to do it, then tell what would you charge, what is charging.
see dish under an additional cost so much?
why security company refused to disclose the charges? Is this also what unspoken rules? One engaged in the loan guarantee business manager for two or three years, formal guarantee company shall charge a loan guarantee fee of about 3.6%, but in fact, the security company meets people dish, extra charge additional fees, and it has become a norm.
profession: Bank loans, ious and signing day, right after is to guarantee companies give back the ious, if he leave benefits may be around 10%, this cost is spent by the customer.
earlier, there were media reports, a small-business owner in Guangdong encounter security company fraud, originally a loan of 10 million Yuan, less guarantees, Bank advisers fees, margin, lobbying fees and other fees, get only 4.8 million, less more than 50%.