Apple(US:AAPL) Mei Ri Jing Ji Xin Wen·2025-12-28 08:23Core Viewpoint - A citizen from Chengde, Hebei, reported that a loan app named "Zhen You Qian" disbursed a loan of 3,500 yuan without any verification process, raising concerns about potential usury practices [1][4]. Group 1: Loan App Details - The loan amount of 3,500 yuan requires repayment of 4,970 yuan within 10 days, indicating a high-interest rate [4][6]. - The annualized interest rate calculated from this loan is over 1500%, with a daily interest rate of approximately 4.2% [5][6]. Group 2: Regulatory Concerns - The app's lending practices exceed the regulatory threshold set by the People's Bank of China and the Financial Regulatory Bureau, which mandates that loan costs should not exceed 24% [6]. - The app's developer, Nanjing Yueshengmao Network Technology Co., Ltd., has been listed in the operating abnormality directory due to uncontactable business premises [7][8]. Group 3: Customer Service and Response - The customer attempted to contact support but was directed to download another app that is not available in the Apple App Store, raising further suspicions about the legitimacy of the service [3][7]. - Apple has acknowledged the report regarding the loan app and is currently investigating the matter [8].