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影视剧中插互金广告 部分现金贷实际年化利率超100%
2017-09-25 07:11:53 中国经济网
2017年4月7日,银监会颁布的《中国银监会关于银行业风险防控工作的指导意见》首次点名“现金贷”,要求其严格执行最高人民法院关于民间借贷利率的有关规定,不得违法高利放贷及暴力催收。而在随后下发的《关于开展“现金贷”业务活动清理整顿工作的通知》及其《补充说明》中列出了要求重点关注的四类平台,其中第一类为:平台利率畸高,当前部分平台采取日息、月息等概念吸引借款人,而实际年化利率超过36%,造成部分借款人负债累增。
根据最高人民法院《关于审理民间借贷案件适用法律若干问题的规定》第二十六条“借贷双方约定的利率未超过年利率24%,出借人请求借款人按照约定的利率支付利息的,人民法院应予支持”“借贷双方约定的利率超过年利率36%,超过部分的利息约定无效。借款人请求出借人返还已支付的超过年利率36%部分的利息的,人民法院应予支持。”
尹振涛告诉记者,实际的年化利率应该包括贷款的利率、服务费等加在一起计算得出的。这个实际利率还是比较高的,现金贷业务单笔贷款金额很小,利率对于老百姓来说,他们的敏感系数是比较低的,但是对平台来讲,如果形成一定的规模是存在很大的风险,不仅仅来源于借款人,也来源于投资人,是双向的。
每经影视记者就上述两款现金贷APP实际年化利率超出36%的红线等问题,分别致电钱站、现金借款寻求答案。现金借款客服回应记者称,“我们平台这个都是在合法可规的范围内的,90块(1000元借款,到期还款1090)包括了借款利息、居间服务费,还有第三方手续费加在一起的。”而钱站电话一直处于忙线状态未能接通。
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