Fanpujinke Group Co., Ltd. is currently operating normally and has not been found illegal.

Fanpuxin is a small micro-loan information service brand under Fanpujinke, which focuses on customization, and is committed to providing more customized information services for personal loan users nationwide. Fanpuxin relies on the online mature "Finup Cloud Map" big data dynamic risk control system to jointly cover branches in most provinces and cities in China, deepen diversified consumer credit scenarios, and form a multi-dimensional ecological closed loop of credit lending, so as to better meet the needs of users for various credit information services.

Fanpujinke Enterprise Development (Shanghai) Co., Ltd. (hereinafter referred to as "Fanpujinke") is a financial technology company, focusing on big data processing and financial technology research and development, providing more efficient intelligent financial services and solutions for small and micro individuals, shortening the distance between people and financial services with technology, promoting the equalization of financial services, and striving to practice inclusive finance. With the vision of "keeping finance warm" and adhering to the concept of "data drives business and technology changes finance", we will continue to strive to realize the corporate mission of "making everyone enjoy simple and fair Internet financial services" and provide Internet financial information services for individuals who need loan consultation, consumption staging, financial management and social interaction.

It is a gray area, and there is no regulatory agency at present. If the repayment is equal every month, the principal and interest will gradually decrease in the future, so in total, the principal and interest will be far less than the principal ×2%× the number of borrowing months. Specifically, the monthly principal should be (original capital-paid principal), and the monthly interest and other expenses should be ≤ (original capital-paid principal) ×2%.

According to Article 26 of "Fa Shi [20 15] 18", the principal (based on the amount actually received, deducting the fees paid in the previous period) and interest (within 24% of absolute protection and 36% of relative protection) shall be repaid. However, it belongs to the illegal part of interest expenditure, and it can be refused to pay on the basis of taking into account the principle of good faith. According to Article 31 of "Interpretation of Law [20 15]No. 18", the debtor can claim the overpaid part (through negotiation, mediation and litigation).

Peer-to-peer lending information intermediaries and lenders who evade the upper limit of judicial protection of private lending interest rates in the form of intermediary fees shall be deemed invalid.

Peer-to-peer lending information intermediaries unilaterally extend the loan period, which is invalid. It can be executed according to the original agreed time limit.

If the creditor fails to collect the money within the time limit, the losses caused thereby shall be borne by the creditor himself.

Is Fanpu's credit formal? Is it a credit report?

Fanbu Credit is a microfinance platform under Fanbu Jinke. The company is Fanpujinke Enterprise Development (Shanghai) Co., Ltd., but according to Baidu's enterprise credit inquiry, it has been renamed as Shanghai Rong Shu Network Technology Co., Ltd., and the inquiry results are normal, indicating that Fanpu's credit is formal, but official website did not explain whether to apply for credit.

Users should pay attention to the interest charged by the platform when applying for loans on Fanpu Credit. In the case of charging too much interest, users should be cautious in handling loans, which will increase the burden of paying back the arrears in the future. Moreover, overdue repayment will be collected by the platform, which will affect the normal life of individuals.

Shanghai Rong Shu Network Technology Co., Ltd. was established on July 29th, 20th13rd. Its registered place is located on the 3rd and 4th floors of Lane 65, Huanlong Road 1 in China (Shanghai) Pilot Free Trade Zone. The registration authority is Shanghai Pilot Free Trade Zone Market Supervision Administration. Used to be inclusive finance Information Service (Shanghai) Co., Ltd. and Fanpujinke Enterprise Development (Shanghai) Co., Ltd..

The foreign-funded enterprises of Shanghai Rong Shu Network Technology Co., Ltd. include Ai Qianjin (Beijing) Information Technology Co., Ltd., Beijing Qiu Cheng Technology Co., Ltd., Nanjing Wedding Tycoon Network Technology Co., Ltd., Qidian Venture Capital Co., Ltd. and Beijing Huiniu Technology Co., Ltd. ..

Is Fanpu Credit Legal in 2022?

illegal

Fanpu loan belongs to p2p, and now p2p has been basically banned, so it is illegal at present.

Fanpuxin is a one-stop financial information service brand under Fanpujinke. Committed to providing customized financial information services for individual users with consumer financing needs throughout the country, and carrying out consumer staging and financial leasing services through commercial factoring and financial leasing institutions.

Is Fanpu credit legal?

As of July 20 19 12, Fanpu Credit has not been deemed illegal by relevant departments.

Fanpu Credit is the credit business of Fanpujinke Group Co., Ltd., which was established on September 9, 2006. The legal representative is Zhang Hui, with a registered capital of10526+0.58 million yuan.

On March 22nd, 20 18, the launching ceremony of Fanpujinke Cashwagon strategic cooperation was held in Beihai, Guangxi. Chen Xun, deputy mayor of Beihai, leaders of relevant departments of the municipal party committee and municipal government, Suo Yaozong, chairman of China Electronics Beihai Industrial Park Company, representatives of Beihai financial institutions, Zhang Hui, founding partner and chairman of Fanpujinke, and Bai, vice president of Fanpujinke attended.

Fanpujinke Group Co., Ltd. is currently operating normally and has not been found illegal.

Extended data:

1. Open Baidu, search for "National Enterprise Credit Information Publicity System", and click Enter;

2. Enter "Fanpujinke Group Co., Ltd." in the search box on the home page of the national enterprise credit information publicity system, and click Query;

3. Find "Fanpujinke Group Co., Ltd." in the search results and click to enter;

4. As can be seen from the search results, Fanpujinke Group Co., Ltd. is currently in a normal state of opening, and has not been included in the abnormal list, nor has it been deemed illegal.