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一本财经APP

GUANZHUJINRONGKEJICHUANGXINDELILIANG

一本财经微信公众号

JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

15.4%红线惹热议!部分消金现借款年化:一年期LPR+14.2%

2020-11-19
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JINRONGJIGOUSHIFOUYAOZUNSHOU15.4%LILVHONGXIAN?

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作者 | 南木

ZIMINJIANJIEDAILILVSIFABAOHUSHANGXIANDIAOZHENGWEI15.4%(YINIANQILPRDESIBEI)HOU,ZAIXINGYENEIXIANQITAOLUNDELANGCHAO,ZHENGLUNDEJIAODIANJIZHONGZAI:JINRONGJIGOUSHIFOUYAOZUNSHOU15.4%LILVHONGXIAN?

CONGFAYUANDEPANLILAIKAN,ZHEIGE“SHIYUFOU”WENTI,BINGMEIYOUFEICHANGMINGQUEDEDAAN。

RIQIAN,BEISHOUGUANZHUDEPINGANYINXINGWENZHOUFENXINGYUHONGMOUJINRONGJIEKUANHETONGJIUFENYIANYINGLAIERSHENPANJUE,GAIPANANZHAO24%LILVJISUANYUQILIXI,BUSHIYONGMINJIANJIEDAILILVSIFABAOHUXINHONGXIAN。

BUGUO,QICAIJINGTOUGUOZHONGGUOCAIPANWENSHUWANGFAXIAN,YOUHENDUOJINRONGJIGOUJIEDAIJIUFENSUOSHEBUFENLILV、FAXI、FUXIBEIRENDING,ANYINIANQILPRSIBEI(15.4%)ZHIXING。

LINGJU21SHIJIJINGJIBAODAO,YOUDONGNANYANHAIDIQUXIAOJINGONGSIRENSHIBIAOSHI,JIANGUANYICHUANGKOUZHIDAO,YAOQIUXIAOJINGONGSIXINFADAIKUANLILVTONGYANGYIYINIANQILPRSIBEIWEIXIAN。

ERQICAIJINGTONGGUOCESHIDUOJIAXIAOJINGONGSIAPPLEJIEDAO,DANJIUXIANJINJIEDAICHANPINERYAN,YOUDEJIEKUANRILILVZAI0.05%SHANGXIA,NIANHUALILV18%ZUOYOU。BUGUO,YEYOUXIAOJINGONGSIDEJIEKUANLILVNIANHUADA24%。

01

有金融判例部分利率、罚息以15.4%为限

GUANYUQIANSHUPINGANYUHONGMOUJIUFEN,QICAIJINGLEJIEDAO,YISHENPANJUEZHONG,PINGANFANGMIANZHUZHANGYI24%NIANHUAXIANGYUQIJIEKUANRENSHOUQUFAXIDEQINGQIUZAODAOWENZHOUSHIOUHAIQURENMINFAYUANBOHUI,ZHONGANYINIANQILPRDE4BEIZHIXING。

ZHIDEYITIDESHI,ZHEIYIPANLIBEIRENWEISHIZUIGAOFAHUADINGMINJIANJIEDAISIFABAOHUSHANGXIANWEI15.4%HOUDEQUANGUOSHOULI。

QIEZHENGYISUIZHIERLAI,YINYINXINGZHEILEIJINRONGJIGOUBINGBUSHUYUMINJIANJIEDAIFANCHOU,QUEYAOQIUYINIANHUAYIMINJIANJIEDAI15.4%WEIXIAN,YULISHANGSHIWUFASHUOTONG。

CONGHOUXUFAZHANLAIKAN,PINGANYINXINGWENZHOUFENXINGJIUGAIANSHANGSU,WENZHOUSHIZHONGJIRENMINFAYUANYURIQIANJINXINGGONGKAIXUANPAN。

ERSHENPANJUERENWEI,BENANXIJINRONGJIEKUANJIUFEN,XINMINJIANJIEDAISIFAJIESHIXIANGGUANGUIDING,JINGJINRONGJIANGUANBUMENPIZHUNSHELIDECONGSHIDAIKUANYEWUDEJINRONGJIGOU、FENZHIJIGOU,YINFAFANGDAIKUANDENGYINFADEJIUFEN,BUSHIYONGGAISIFAJIESHI。

GUWENZHOUSHIZHONGJIRENMINFAYUANBIAOSHI,YISHENPANJUEJIANGBENANJINRONGJIEKUANHETONGZHONGYUEDINGDELIXI、FULIHEYUQILIXIANYINIANQILPRDESIBEIJINXINGDIAOZHENG,SHUSHIYONGFALVCUOWU,YINGYUJIUZHENG。

QIEWENZHOUSHIZHONGJIRENMINFAYUANTIDAO,BENANYISHENSHOULISHI,XINMINJIANJIEDAISIFAJIESHISHANGWEISHISHI,GAISIFAJIESHIYIYIFABUSHIYUBENAN,QIEZHICHIPINGANYINXINGWENZHOUFENXINGANYUEXI2%JINIANHUA24%JIDAIKUANLIXIDEZHUZHANG。

KEJIAN,PINGANYINXINGZUIZHONGYINGDESHENGSU。QIEWENZHOUSHIZHONGJIRENMINFAYUANJIUCISHIZAIGUANFANGWEIXINGONGZHONGHAOFABULEMINGWEI《WENZHOUZHONGYUANZHONGSHEN:JINRONGJIGOUJIEKUANHETONGDENGJINRONGJIUFENBUSHIYONGXINMINJIANJIEDAISIFAJIESHI》DEWENZHANG。

BUGUO,QICAIJINGZHUYIDAO,YOUDEJINRONGJIEKUANJIUFENPANLI,QIZHONGBUFENLILV、FAXIDENGXUYI15.4%WEIXIAN。

RUZAI《ZHEJIANGTAIZHOUHUANGYANNONGCUNSHANGYEYINXINGGUFENYOUXIANGONGSIYUYECONGCONG、HEDONGHUIJINRONGJIEKUANHETONGJIUFENYISHENMINSHIPANJUESHU》(11YUE6RIGONGKAITINGSHEN)ZHONG,FAYUANYAOQIUBEIGAO(YECONGCONG)YUPANJUESHENGXIAOZHIRIQISHIRINEIFANHAIYUANGAO(ZHEJIANGTAIZHOUHUANGYANNONGSHANGXING)JIEKUAN250000YUANJIJIEZHI2020NIAN7YUE30RIZHIDELIXI、FUXI41571.60YUAN(BUBAOHANYIGUIHAIDELIXI)HEZI2020NIAN7YUE31RIQIDAOPANJUELVXINGWANBIZHIRIZHIANHETONGYUEDINGLILVJISUANDELIXI、FAXI、FUXI(YIYINIANLPRDESIBEIWEIXIAN)。

XIANGBIZHIXIA,YUANGAOZHUZHANGDEJIEKUANBENJIN250000YUANJILIXI、FUXI41571.60YUAN,FAYUANYUYIZHICHI,ERQIYAOQIUBEIGAO(YECONGCONG)ZHIFUZI2020NIAN7YUE31RIQIDAOSHIJIHAIKUANRIZHIDELIXI,JIAZHIFAXI、FUXIANNIANLILVSHANGFU50%JISUAN,ZUIZHONGAN4BEILPRZHIXING。

1

LINGZAI《ZHONGYINXIAOFEIJINRONGYOUXIANGONGSIYUZHAOHEYUN、FAXINXIAJINRONGJIEKUANHETONGJIUFENYISHENMINSHIPANJUESHU》(9YUE22RIGONGKAITINGSHEN)ZHONG,YUANGAO(ZHONGYINXIAOJIN)ZHUZHANGBEIGAO(ZHAOHEYUN、FAXINXIA)CHANGHAIJIEKUANBENJIN177941.67YUAN,LIXIJIZHINAFEI7766.54YUAN,HEJI185708.21YUAN,BINGANNIANLILV24%ZHIFUZI2020NIAN7YUE15RIQIZHIJIEKUANBENJINHAIQINGZHIRIZHIDELIXIJIZHINAFEI。

2

ERFAYUANRENWEI,SHUANGFANGYUEDINGYUQIHAIKUANANNIANLILV18.1%(HETONGYUEDING)JISHOULIXIBINGSHOUQUZHINAFEI,BUWEIFANFALVGUIDING,YUANGAO(ZHONGYINXIAOJIN)SUIANNIANLILV24%YUYIHEJIAN,DANKAOLVDAOYIQINGDENGYINSUYINGXIANG,BEIGAOYUQIHOUANNIANLILV24%HAIKUANFUDANRENGJIAOZHONG,YIBULIYUJIEKUANDEJISHISHOUHUI。GUFAYUANRENWEI,YUANGAOQISUHOUDEYUQILILVANQISUSHIYINIANLPRDESIBEIJINIANLILV15.4%YUYIBUFENZHICHI。

ZUIZHONG,FAYUANPANJUEBEIGAOXIANGZHONGYINXIAOJINFANHAIBENJIN177941.67YUAN,LIXIJIZHINAFEI7766.54YUAN,ANNIANHUALILV15.4%ZHIFUZI2020NIAN7YUE15RIQIZHIJIEKUANBENJINHAIQINGWEIZHIDEYUQILIXI。

02

招联消金、长银消金借款年化18%

SHISHISHANG,ZIZUIGAOFADUIMINJIANJIEDAIBAOHULILVSHEDINGWEIZUIGAO4BEILPRHOU,ZHEIYIZHENGCEDUIJINRONGLINGYUDEYINGXIANGCHENGWEIYENEITAOLUNDEJIAODIAN。

BUGUO,JIUJINNIAN10YUEYANGXINGFABUDE《SHANGYEYINXINGFA(XIUGAIJIANYIGAO)》LAIKAN,QIZHONGTIDAOSHANGYEYINXINGANZHAOYANGXINGYOUGUANGUIDING,KEYIYUKEHUZIZHUXIESHANGQUEDINGCUNDAIKUANLILV。

LINGZHIDEYITIDESHI,ZAIJINRI,YOUMEITIBAODAOCHENG,DONGNANYANHAIDIQUXIAOJINGONGSIJIESHOUJIANGUANCHUANGKOUZHIDAO,YAOQIUXIAOJINGONGSIXINFAFANGDAIKUANLILVBUDE15.4%(YINIANQILPRDESIBEI)。

YOUGUANDIANRENWEI,RUOXIAOJINGONGSIQUANMIANLUOSHI15.4%ZHENGCE,ZHUYINGYEWUSHOURUSHIBIHUIJIANGDI,JINYIBUYASUOLIRUNKONGJIAN。

DUIYUCI,TONGGUOCESHIDUOJIAXIAOJINGONGSIXIANJINJIEDAICHANPIN,QICAIJINGLEJIEDAO,ZHAOLIANXIAOJIN(HAOQIDAI)NIANHUALILV18.068%、ZHANGYINXIAOJIN(CHANGKAIHUA)NIANHUALILV18%。

QIEZHEILIANGJIAXIAOJINGONGSI《JIEKUANXIEYI》MINGQUETIDAO,DAIKUANNIANHUALILVJIYUHETONGQIANSHURIQIANYIGONGZUORIQUANGUOYINXINGJIANTONGYECHAIJIEZHONGXINGONGBUDEZUIXIN1NIANQIDAIKUANSHICHANGBAOJIALILV(LPR)JIAYUE14.2%(QIZHONG,ZHAOLIANXIAOJIN14.2175%、ZHANGYINXIAOJIN14.15%)。

3

ERZHAOLIANXIAOJINZHEIFEN《JIEKUANXIEYI》HAIZHICHUYIDIAN,FASHENGYUQIDE,ZIYUQIZHIRIQI,DAIKUANRENYOUQUANDUIYUQIDAIKUANBENJINZAIBENZHIYONGDANYUEDINGDELILVSHUIPINGSHANGJIASHOU50%JISHOUYUQIFAXI。DUIBUNENGANSHIZHIFUDELIXI,DAIKUANRENYOUQUANANYUQIFAXILILVJISHOUFULI。

LINGCHUZHAOLIANXIAOJIN、ZHANGYINXIAOJINZHIWAI,QICAIJINGZHUYIDAO,LINGYIJIAXIAOJINGONGSIJIEKUANRILILVYUE0.0667%,NIANHUADA24%。RUOJIEKUAN1000YUAN,BINGXUANZEDENGEBENXITONGYONG9.5ZHEQUAN,JIEKUANQIXIANWULUNSHI3QI、6QI,HAISHI9QI、12QI,NIANHUALVJUNWEI22.8%。

4


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