Core 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][5][11] 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 [6][8] - The calculated daily interest rate is approximately 4.2%, leading to an annualized interest rate exceeding 1500% [7][8] - The app's developer, Nanjing Yueshengmao Network Technology Co., Ltd., was established in March 2023 and has been listed in the operating anomaly directory due to uncontactable registration details [9][10] Group 2: Regulatory Response - Local market regulation and financial management departments have indicated that the loan practices of the app are suspected of usury and have advised reporting for investigation [3][11] - Apple has acknowledged the report regarding the loan app and is currently conducting an investigation [4][11] - Recent guidelines from the People's Bank of China and the Financial Regulatory Bureau mandate that small loan companies must cease issuing loans with comprehensive financing costs exceeding 24%, which the app's practices violate [8]
苹果应用商场现“高利贷”APP 还没申请就强制放款 借3500元10天后要还4970元！开发公司被列入经营异常名录！
Mei Ri Jing Ji Xin Wen·2025-12-28 15:13