What kind of punishment will be imposed on consumer finance immediately for violating credit reporti

On March 24, the Chongqing Business Management Department of the Central Bank issued the first administrative penalty decision this year, and immediately consumer finance shares were fined 390,000 yuan for violating the relevant terms of the credit reporting industry.

It is understood that this is also the first time that consumer finance has been publicly punished by regulators, and the reason for the punishment is for violating the provisions of articles 40 and 41 of the "Regulations on the Administration of the Credit Reporting Industry" and article 39 of the "Interim Measures for the Management of Basic Personal Credit Information Databases". The specific violations were not disclosed.

On the basis of article 40 of the "Regulations on the Administration of the Credit Reporting Industry", where institutions providing or making inquiries into information to the Basic Financial Credit Information Database violate the provisions of these Regulations by exhibiting any of the following conduct, the department for the oversight and management of the credit reporting industry or its dispatched agency is to order corrections to be made within a set period of time, and give the unit a fine of between 50,000 and 500,000 RMB. Specific circumstances include: illegally providing or ** information; negligent disclosure of information; inquiring into personal information or credit information of enterprises without consent; Failure to handle objections in accordance with regulations or failure to correct information that is truly erroneous or omitted; Refusing or obstructing the departments for the oversight and management of the credit reporting industry or their dispatched agencies to inspect or investigate, or not truthfully provide relevant documents or materials.

Article 41 stipulates that where information providers violate the provisions of these Regulations by providing negative personal information to credit reporting establishments or basic financial credit information databases that is not disclosed in accordance with law, without first informing the information subject himself, and the circumstances are serious or serious consequences are caused, the department for the oversight and management of the credit reporting industry or its dispatched agency is to give the unit a fine of between 20,000 and 200,000 RMB.

Article 39 of the Interim Measures for the Management of Basic Personal Credit Information Databases stipulates that where a commercial bank has any of the following circumstances, the People's Bank of China shall order it to make corrections and impose a fine of between 10,000 and 30,000 RMB; and where a crime is suspected, it shall be transferred to the judicial organs for handling in accordance with law. Specifically, this includes violating the provisions of these Measures by failing to accurately, completely, and promptly report personal credit information; Violation of Article 7 of these Measures; Exceeding authority to make inquiries into personal credit databases; Using the results of the inquiry for purposes other than those provided for in these Measures; Violation of the provisions on the handling of objections; Violation of the safety management requirements of these Measures.

The Chongqing Business Management Department of the People's Bank of China of <> disclosed the penalty decision on immediate consumer finance and decided to impose a fine of 390,000 yuan on immediate consumer finance.

According to the administrative punishment information publicity form, the Chongqing Business Management Department of the People's Bank of China fined the company 390,000 yuan in accordance with the law for violating articles 40 and 41 of the "Regulations on the Administration of the Credit Investigation Industry" and article 39 of the "Interim Measures for the Management of Basic Personal Credit Information Databases".

This is the first time that consumer finance has been punished by the central bank, and it is also the first time that a consumer finance company has been fined for credit problems. Previously, Beijing Bank Consumer Finance **** was fined RMB 1.5 million by the China Banking Regulatory Commission for issuing loans in violation of regulations.

According to the data, Immediate Consumer Finance is a national financial institution approved by the China Banking Regulatory Commission to hold a consumer finance license, with a registered capital of 1.3 billion yuan, and is one of the second batch of licensed consumer finance companies.

It is understood that the "Regulations on the Administration of the Credit Reporting Industry" was promulgated by *** on January 21, 2013 and came into force on March 15, 2013. The promulgation and implementation of the "Regulations on the Administration of the Credit Reporting Industry" has solved the problem of inability to follow in the development of the credit reporting industry, and has made up for the gap in the legal supervision of the credit reporting industry.

Said high-sounding. Holding a license to do illegal business, a well-deserved usury, with an annual interest rate of more than 50%. borrowed 6000 points for 12 installments, and actually had to repay 672 per installment. If the repayment is delayed for a few days. It's surprisingly tall.

It's time to close. Usury. It's not a shallow way to hurt people.

If the user registers and receives the immediate consumption amount, or applies for the loan product of immediate consumer finance, then it is possible to receive a text message from immediate finance. However, if you have not registered for Immediate Finance or applied for a loan product of Immediate Finance, you can directly ignore it if you receive text messages such as advertisements and sales promotions and registration verification codes.

If the user receives a reminder SMS, then it is necessary to pay attention to the repayment time and repay the loan on time, otherwise there will be overdue records uploaded to the credit report.

If you do not apply for immediate consumer finance but receive a verification code, it is mostly due to the leakage of user information to be taken to online loans or it is a crime of police to coax SMS to defraud, once the user enters the verification code on the push ** according to the requirements, it is very likely to cause the loss of funds.

It is recommended that if you want to apply for a loan, you should go through the channels officially designated by the process, such as the loan app, the official WeChat official account, the official website, etc. Others should protect their privacy, and do not disclose their ID numbers, mobile phone numbers, etc. to others.

1. Fishing**. In order to deceive user information and user funds, many illegal ** will pretend to send collection text messages on various platforms, and use users to worry about overdue psychology to defraud, do not pay attention to this situation, do not click on the link sent by the other party, it is easy to cause information leakage.

2. The user himself did not apply for a loan in the immediate consumption, but it does not mean that the relatives and friends around him did not, if the other party left the contact number when applying, then the platform will also send a collection SMS to come. When it is determined that the collection on the platform is real, it can help find a way to find the borrower to solve it, or directly explain the situation to avoid being harassed again.

3. The user's personal information is stolen, and the financial application for a loan is not known, which may also happen. In particular, if you have a close relationship with yourself and apply for registration after obtaining the user's personal information, it is recommended to explain the situation to the platform in a timely manner, and if necessary, report to the police.

The above is about "what happens when you receive a consumer finance loan overdue for no reason". In general, this situation is likely to be due to phishing fraud, the borrower left information or his personal information was leaked, and he was loaned.

Credit suddenly more than consumer finance right away, what is that?

Immediate Consumer Finance is a loan institution approved by the China Banking and Insurance Regulatory Commission and holding a formal consumer finance license.

If the name of the institution is suddenly added to the credit report, it means that the user has applied for a loan on the platform of this institution, or applied for a loan on other platforms, but the actual fund provider is the immediate consumer finance, so the corresponding query records and loan records will be left on the credit report.

Credit record personal credit information **, is to provide credit business institutions, and credit institutions only after obtaining personal authorization, can inquire about the use of personal information, docking with the central bank credit, will not be more for no reason, I can check the loan under my name, can roughly correspond to the immediate consumer finance.

2. Immediately describe the products of consumer finance

1. Ease of Flowers

Revolving line loan products, up to 200,000 yuan, the longest installment of 15 months, the annualized interest rate (simple interest) is, the specific amount, number of installments, interest rate pricing is subject to the actual approval of the page display.

2. Immediate financial loans

That is, the immediate loan installment platform, unlike Anyihua, cannot be recycled, with a maximum loan of 200,000 yuan, a maximum installment of 12 months, and an annualized interest rate (simple interest) of which is risk pricing within the scope of the law.

3. Commodity staging

The maximum amount is also 200,000, the installment period is 3 6 9 12 installments, the annualized interest rate (simple interest) is between, and the repayment method is equal principal and interest.

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Among the people who apply for online loans, some people often have a fluke mentality, feeling that the money from the online loan platform can be returned within the time limit and will not affect the credit investigation. Some people asked: Is it possible to get credit in consumer finance immediately? Here are the answers to this shopping question for you.

Because Immediate Consumer Finance is a consumer finance company approved by the China Banking Regulatory Commission, it will be reported on credit immediately. In other words, a financial loan from a horse is similar to a loan from a bank. Once you have a loan overdue, or the loan is not repaid, it will affect your personal credit record.

1. Don't blindly borrow money from the immediate financial sector to consume, otherwise the picture will be happy for a while, and it will be difficult to end things in the future.

2. When choosing the amount to borrow, you should do what you can, in addition to considering your monthly income, you should also consider your monthly necessary expenses. After all, we can only repay the borrowed money with excess money.

1. When repaying, choose to postpone the repayment and delay the repayment date for a period of time.

2. Confess the fact of borrowing money to your relatives and friends, and temporarily borrow a sum of money from the other party to repay the debt.

3. You can put some valuables that you don't usually use on Xianyu and 58.com and sell them.

In general, everyone must be cautious about immediate consumer finance, and there must be no overdue or even overdue repayment.