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宜人贷频遭投诉 变相“砍头息”是潜规则?

2019-06-01 15:56:40 中国质量新闻网

分分快3zhongguozhiliangxinwenwangxun(zhangmuchen) jinri,zhongguozhiliangxinwenwangguanfangtousupingtaiheiniutousuluxushoudaoyouguan“yirendai”detousu。tousurenbiaoshi,wangdaipingtai“yirendai”hetongjiekuanbenjinmominggaochushijijiekuanjinechao18%,yisibianxiangshouqugaoe“kantouxi”,zhiyijiekuanhetongyinhanbawangtiaokuan、gaoefenfenkuai3fei、gaoebaozhangjindengzhuduowenti。

tousurenliangxianshengbiaoshi,2018nian6yue23ri,“yirendai”kefudianhuagaozhiqikeyishenqing35000yuandedaikuanedu,liangxianshengtongguo“yirendai”appjiekuan35000yuan,shijidaozhang35000yuan,jiekuannianlilvxianshiwei11%。danliangxianshengzaihaikuandeguochengzhongfaxian,shijijiekuannianlilvyuanchaoyuedingde11%,hetongjiekuanbenjinbushi35000,ershi41176.47yuan,benjinduochudebufenbaohanlegaoexinxizixunfenfenkuai3feiheqianqifenfenkuai3baozhangjin。

duishangshuliangxiangfeiyongdeshouqu,liangxianshengbiaoshihaobuzhiqing。liangxianshengchakanjiekuanhetongfaxian,chujiekuanhetongyiwai,haiyouduofenfeibenrenzijiqianshudehetong,danqizaibanlidaikuanshiweicengkandaozheixiehetong。liangxianshengzhiyi“yirendai”jiekuanhetongxieyiyinhanbawangtiaokuan,qiebianxiangshouqugaoe“kantouxi”。

yuliangxianshengyoutongyangjinglidedunvshibiaoshi,qitongguo“yirendai”appjiekuan80000yuan,hetongxianshishijihaikuanbenjinqueshi95238.10yuan。dunvshibiaoshi,zaifangkuanzhiqianyemeiyoukandaohetongmingxitiaokuan,ruguoshixianzhidaohaikuanbenjinbaokuogaoefenfenkuai3feihebaozhangjinqibianbuhuibanlijiedai。

“yirendai”kefuxiangdunvshijieshicheng,shouqudelixinianlilvshianzhao12%jisuan,zaiguojiaguidingfanweinei,hefahegui。duiyudunvshiguanyufenfenkuai3feihebaozhangjindezhuiwen,gaikefubiaoshiyewubushulian,zhihouhuiyougongzuorenyuanzailianxichuli。danjiezhitousuriqi,dunvshibiaoshimeiyoujiedaoxiangguanrenyuandehuifuhechuli。

cong“yirendai”xiangjiedairentigongde《xinxizixunyufenfenkuai3》xieyixianshi,fenfenkuai3feideshouqushiyinfenfenkuai3fangweijiekuanrentigongjiekuanxinxizixun、zixinpinggu、chujierentuijian、haikuantixing、zhanghuguanli、haikuanguanlidengyixiliefenfenkuai3,congeryoujiekuanrenxiangfenfenkuai3fangzhifudezonghefenfenkuai3baochou。fenfenkuai3baozhangjinzeweijiekuanrenyincanyudanbaogongsishelidebaozhangjihuaerxiangdanbaogongsijiaonadezijin。

danliangxianshenghedunvshidoubiaoshi,zaijiedaizhiqian,“yirendai”kefujunmeiyoushuominghaikuanbenjinbaohanfenfenkuai3feihebaozhangjinfeiyong。

falvyeneirenshibiaoshi,zaifalvshijianzhongyonghuzaipingtaishangdejiekuan,yingyishijidaozhangjinezuoweishouqulixideyiju。“pingtaizuoweijujianfenfenkuai3fang,keyishouqupingtaifenfenkuai3fei,dangaijujianfenfenkuai3feiyingshiyicixingshouqu,erfeizuoweijiekuanbenjin,yijiekuanbenjindexingshilaishouqufenfenkuai3feilixi,cunzaiyanzhongwenti。”

heiniutousudiaochafaxian,“yirendai”weitousupingtaichangke,zaimoutousupingtaidetousulianggaoda4000duotiao,gaolidai、kantouxi、xujiaxinxi、fenfenkuai3taidujicha、yinyanghetong、konghe、baolicuishoudengdengchengtousuwentiguanjianci。

genjuyinjianhuiyu2017nian12yue1rifabude《guanyuguifanzhengdun“xianjindai”yewudetongzhi》yaoqiu,geleijigoubudecuohehuobianxiangcuohebufuhefalvyouguanzonghenianlilvguidingdejiedaiyewu,jinzhicongjiedaibenjinzhongxianxingkouchulixi、shouxufei、guanlifei、baozhengjinyijishedinggaoeyuqilixi、zhinajin、faxideng。tongshihaiqiangdiao,daikuanjigoudegexiangdaikuantiaojianyijiyuqichulidengxinxiyingzaishiqianquanmian、gongkaipilu、xiangjiekuanrentishixiangguanfengxian。

yeneirenshitixing,wangdaixujinshen,banlidaikuanchanpinqian,jiedairenyaopinggudaikuanfengxian,zhengquepingguzijidehaikuannengli,buyaoxuanzechaoguozijihaikuannenglidedaikuanchanpin;yaojingtixiaofeixianjing,dangqianhenduowangdaijigoutongguoxuanchuan“mianxi”“dililv”laixiyinxiaofeizhe,shijiquefeizhenzhengdemianxihuozhedililv,ershiliyongbutongmingtouhuozhebutonglilvjisuanfangshishezhixiaofeixianjing,xiaofeizheshijizhifudaikuanlixifeichanggao。

duiyutousurenfanyingdewenti,benwangjiangchixuguanzhu。

(责任编辑:李素)
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