Pay attention to the identification of criminal acts such as "loan arbitrage", "counterfeiting crime" and "professional lending". If a person radiates through P2 online lending platform, small loan platform, car sales, pawn, financial leasing, wedding and other platforms or institutional scenes, it is necessary to strengthen the review and vigilance in the following aspects:
Whether the loan funds of P2P network platform come from real loans, and whether the platform has the behavior of attracting people to study.
Whether the small subsidy company has the loan qualification approved by the Ministry of Chemical Industry, and whether the source of loan funds meets the relevant regulatory requirements.
Whether car sales companies should charge high guarantee fees, stipulate high liquidated damages, adopt the agreement of compulsory car collection, whether there is compulsory car collection, private behavior, and whether it is necessary to control the face of some people.
Whether the pawn and financial leasing companies have relevant qualifications, whether they absorb fossil energy, and whether they can find out the behavior of financial leasing contracts. Campus loan refers to the behavior of students borrowing money through various lending platforms. The Ministry of Education, the China Banking Regulatory Commission and the Ministry of Human Resources jointly issued a document to standardize the management of campus loans, explicitly prohibiting campus loan business and not granting online loans to college students.
Strictly speaking, campus loans can be divided into five categories:
(1) e-commerce platforms with e-commerce background-credit services provided by traditional e-commerce platforms such as Taobao and JD.COM, such as ant flower beds, borrowing flowers, petty cash, and white bars on JD.COM campus;
(2) Consumer finance companies-such as interest installment and arbitrary installment. Some of them also offer lower withdrawal quotas;
(3)P2P lending platform (online lending platform) is used for college students to help start businesses, such as loans from famous schools. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;
(4) Offline private lending-private lending institutions and lenders, commonly known as usury. Usury usually carries out false propaganda, offline contract signing, illegal intermediary and ultra-high interest rate. At the same time, there are also problems such as violent collection. Victims often suffer huge property losses and even threaten their own safety;
(5) Banking institutions-campus products provided by banks for college students, such as the lightning loan for college students of China Merchants Bank, the Golden Bee campus express loan of China Construction Bank, and the e-learning loan of Qingdao Bank.