律师解读女子借1万3要还2万6 ：是否超过24%的司法保护上限，法院有权进行实质审查

Core Viewpoint - The article discusses the legal implications of a woman's loan situation, highlighting the potential for judicial review of interest rates exceeding the 24% cap established by Chinese law, particularly in the context of new regulations set to take effect by the end of 2027 [1] Group 1: Loan Details - The woman, referred to as Chen, borrowed a total of 13,674 yuan through the Fenqi Le platform, with annual interest rates ranging from 32.08% to 35.90% [1] - Chen's loans were structured to be repaid over a maximum of 36 installments, but she ceased payments in August 2022, leading to over 1,000 days of delinquency [1] Group 2: Legal Framework - According to a 2017 ruling by the Supreme People's Court, any interest, compound interest, penalties, or other fees exceeding the annual interest rate of 24% should be reduced by the court [1] - The legal expert, Zhao Liangshan, indicated that while Chen's loan contracts were signed in 2020-2021, the platform's continued charging of high penalties in 2026 could be subject to judicial review [1] Group 3: Regulatory Changes - A new guideline issued by the People's Bank of China and the National Financial Regulatory Administration on December 19, 2025, states that the annualized comprehensive financing cost for new loans should not exceed 24% [1] - The guideline also mandates that by the end of 2027, all new loans must have a comprehensive financing cost within four times the one-year Loan Prime Rate (LPR) [1] - Zhao noted that while the 2025 regulations do not apply retroactively, they signal a shift in regulatory expectations, making the 24% cap a binding requirement for licensed institutions [1]