1 王毅会见柬埔寨副首相兼外交大臣布拉索昆 2025年12月 12月28日，中共中央政治局委员、外交部长王毅在云南玉溪会见柬埔寨副首相兼外交大臣布拉索昆。王毅表示，中柬铁杆友谊经受国际风云变幻考验，坚如 磐石、历久弥坚。中方高度关注柬泰边境紧张局势，一直致力于劝和促谈。在各方共同努力下，柬泰两国军方达成停火协议，朝着恢复和平迈出重要一步， 中方对此表示祝贺。停火完全符合柬泰人民共同愿望，符合地区各国普遍期待，相信会得到各方欢迎支持。（央视新闻） N 王毅会见泰国外长西哈萨 据财政部网站，12月27日至28日，全国财政工作会议在北京召开。会议指出，2026年继续实施更加积极的财政政策。一是扩大财政支出盘子，确保必要支出 力度。二是优化政府债券工具组合，更好发挥债券效益。三是提高转移支付资金效能，增强地方自主可用财力。四是持续优化支出结构，强化重点领域保 障。五是加强财政金融协同，放大政策效能。 3 辽宁辽阳白塔区三里厨娘饭店重大火灾事故调查报告发布 40名公职人员被问责 辽宁省应急管理厅网站于12月28日向社会公布了辽阳白塔区三里厨娘饭店重大火灾事故调查报告。调查认定，这是一起因饭店主体责任不落实，违法改造扩 ...

随后，宫先生试图联系客服，却被引导下载一款无法在苹果应用商场检索到的软件。宫先生由此怀疑，该借款流程涉嫌 高利贷。 12月26日，记者调查发现，涉事App开发公司已被市场监管部门列入经营异常名录。当地市场监管及金融管理部门均表 示，相关借款行为涉嫌高利贷，建议当事人举报核查。 "我只是抱着试试看的心态填了一下资料，没想到20多分钟后，银行卡就收到了一笔转账。" 据上游新闻，12月25日，河北承德市民宫先生向记者反映，其在苹果应用商场下载的一款借款App，在未经过审核的情 况下即被"强制放款"，放款金额为3500元，10天后需还4970元，且资金来源为私人账户。 苹果公司客服回应称，已收到关于相关借款App的举报，正在核查处理中。 图：宫先生提供截图，来源：上游新闻 宫先生提供的截图显示，"臻有钱"App页面明确标注：12月18日16:01提现3500元，10天后需还4970元，到期时间为12月 27日。 | App Store | | | × | 中国 银行 sns .com | | | --- | --- | --- | --- | --- | --- | | < | 借还记录 | | | 明细详情 | | ...

（原标题：苹果应用商店多款App涉嫌放高利贷：用户遭强制放款） 据上游新闻记者调查，近日，苹果应用商店被曝存在部分借款类App涉嫌放高利贷，引发公众对应用审 核机制及用户权益保护的广泛关注。 河北承德市民宫先生于2025年12月18日下午在苹果应用商店下载了一款名为"臻有钱"的借款App，填写 身份证、银行卡和手机号等信息后，未经历任何审核流程便被"强制放款"。其银行卡在20多分钟后收到 3500元转账，但转账方为私人账户而非正规金融机构。 打开App后，宫先生看到借款信息显示：借款周期10天，到期应还金额4970元。这意味着，10天内产生 的利息高达1470元，日利息147元，日利率约4.2%，年化利率更是高达1500%以上，远超监管红线。 宫先生表示，还款金额远超本金，他本想立刻取消借款，但在App里找不到客服电话和在线客服。他注 意到，"臻有钱"App内仅有一个"联系客服"的链接，点击后页面弹窗提示需下载另一款名为"密信"的 App进行沟通。然而，这款软件在苹果应用商店并未检索到，宫先生怀疑其为来源不明的软件，因此未 敢登录。 随后，记者又联系了南京市地方金融管理局。工作人员表示，当事人可通过接诉渠道举 ...

每经编辑｜许绍航 向江林 "我只是抱着试试看的心态填了一下资料，没想到20多分钟后，银行卡就收到了一笔转账。" 据上游新闻，12月25日，河北承德市民宫先生向记者反映，其在苹果应用商场下载的一款借款App，在未经过审核的情况下即被"强制放款"，放款金额为 3500元，10天后需还4970元，且资金来源为私人账户。 图：宫先生提供截图，来源：上游新闻 随后，宫先生试图联系客服，却被引导下载一款无法在苹果应用商场检索到的软件。宫先生由此怀疑，该借款流程涉嫌高利贷。 12月26日，记者调查发现，涉事App开发公司已被市场监管部门列入经营异常名录。当地市场监管及金融管理部门均表示，相关借款行为涉嫌高利贷，建 议当事人举报核查。 苹果公司客服回应称，已收到关于相关借款App的举报，正在核查处理中。 未经审核即放款 年化利率超1500% 据上游新闻，12月25日，宫先生向记者回忆，2025年12月18日下午，他在苹果应用商场下载了一款名为"臻有钱"的借款App，填写了身份证、银行卡和手 机号等信息后，并未看到任何审核流程。"既没有人脸识别，也没有电话核实，就直接给我放款了。" 宫先生提供的截图显示，"臻有钱"App页面明 ...

12月22日，中国人民银行发布了一项被网友称为"信用救心丸"的新政策：2020年到2025年底之间，单笔一万元以下、并在明年3月31日前还清的逾期记录， 将自动从个人征信报告中移除。 这意味着，数几千万家庭因小额资金周转不灵而"信用蒙尘"的普通人，获得了一次罕见的"信用重生"机会。 然而，当众多负债者为此松了一口气时，另一个现实问题浮出水面：那些真正将人拖入深渊的，往往不是这一万元的小额逾期，而是隐藏在手机App背后、 利息滚雪球的高利贷与套路贷。 图源：头条图片资料。 此举既维护了征信体系的严肃性，又注入了人性化的温度，为经济复苏提供了柔性的信用支持。 02 边界明确：四条"硬杠杠"，防止政策被滥用 当然，信用修复绝非无原则的"大赦天下"。央行文件划出了四条清晰的边界，确保政策精准滴灌到最需要的人群： 时间线： 逾期必须发生在2020年1月1日至2025年12月31日之间。 金额线： 单笔欠款本金不能超过一万元。 01 新政落地：雪中送炭，但非"复活甲" 这项政策的核心很清晰：给予负债者一个重塑的机会。 政策设计了"免申即享"的自动机制——只要你在规定时间内足额还款，系统会像静默杀毒一样，自动帮你"擦掉"这 ...

国际金价持续走强催生黄金消费与投资热潮，而套路贷马甲也暗藏其中。在社交平台上，一批以"零首 付黄金分期"为幌子的借贷业务正在悄然走俏，用"零利息、当天变现"的宣传掩盖高利放贷本质，吸引 大批有短期资金周转需求的人。 北京商报记者调查后发现，这些看似"灵活便捷"的黄金分期业务，实则是精心设计的高息套路贷。消费 者入局后不仅易导致实际到手资金大幅缩水，还将陷入高息债务漩涡，遭遇逾期罚款、合同陷阱等。分 析人士称，此类业务通过拆分资金流与货物流的操作，既大幅抬升了消费者的综合融资成本，又凭 借"合法黄金交易"的外衣增强了隐蔽性与欺骗性，使得资金流向难以追踪，监管难度进一步加大。对消 费者而言，不仅会加剧债务危机、损害信用记录，还可能遭遇非法催收等风险，严重扰乱黄金市场秩序 与金融安全。 借黄金之名包装出的新型套路贷 今年以来，随着国际金价持续走强并屡创历史新高，国内黄金投资与消费热潮同步升温，在热潮背后， 一种名为"黄金分期"的借贷模式在社交平台上悄然兴起，以"零首付、零利息、零手续费"为宣传噱头， 但看似常规的"分期购金"模式，实则并非普通消费分期产品，而是借黄金之名包装出的新型套路贷。 "本以为找到了救命稻草， ...

国际金价持续走强催生黄金消费与投资热潮，而套路贷马甲也暗藏其中。在社交平台上，一批以"零首付黄金分期"为幌子的借贷业务正在悄然走俏，用"零 利息、当天变现"的宣传掩盖高利放贷本质，吸引大批有短期资金周转需求的人群。 北京商报记者调查后发现，这些看似"灵活便捷"的黄金分期业务，实则是精心设计的高息套路贷。消费者入局后不仅易导致实际到手资金大幅缩水，还将陷 入高息债务漩涡，遭遇逾期罚款、合同陷阱等。分析人士称，此类业务通过拆分资金流与货物流的操作，既大幅抬升了消费者的综合融资成本，又凭借"合 法黄金交易"的外衣增强了隐蔽性与欺骗性，使得资金流向难以追踪，监管难度进一步加大。对消费者而言，不仅会加剧债务危机、损害信用记录，还可能 遭遇非法催收等风险，严重扰乱黄金市场秩序与金融安全。 陷入债务深渊 今年以来，随着国际金价持续走强并屡创历史新高，国内黄金投资与消费热潮同步升温，在热潮背后，一种名为"黄金分期"的借贷模式在社交平台上悄然兴 起，以"零首付、零利息、零手续费"为宣传噱头，但看似常规的"分期购金"模式，实则并非普通消费分期产品，而是借黄金之名包装出的新型"套路贷"。 "本以为找到了救命稻草，却不知不觉踏入了精 ...

Core Viewpoint - The Supreme People's Court has issued guidelines to address the financing difficulties faced by private enterprises, specifically targeting illegal lending practices such as "usury" and "head-cutting interest" [1][3]. Group 1: Legal Framework and Regulations - The guidelines emphasize the need to regulate financial institutions' lending behaviors and to lower overall financing costs for private enterprises [3]. - It mandates strict adherence to national financial management policies and encourages better communication with financial regulatory bodies [3]. - The guidelines aim to protect the legal rights of private economic organizations by preventing unilateral changes in loan conditions and ensuring fair lending practices [3][4]. Group 2: Impact on Private Enterprises - Private enterprises often resort to informal lending due to barriers in accessing formal financial channels, leading to exposure to "usury" and "head-cutting interest" [3][4]. - The guidelines are expected to directly protect the rights of private enterprises and guide capital towards healthier economic sectors [3][4]. - The issuance of these guidelines is seen as a necessary step to alleviate the financial burdens on private enterprises, particularly small and micro businesses [4][5]. Group 3: Recommendations for Financial Institutions - Financial institutions are encouraged to innovate financing supply mechanisms and improve credit allocation for private enterprises [5]. - There is a call for optimizing credit response mechanisms to enhance approval efficiency for loans [5]. - The guidelines suggest establishing a rapid response system for enterprise rights protection and promoting a market-oriented risk-sharing mechanism for financing [5]. Group 4: Credit and Trust Mechanisms - The guidelines propose the establishment of a credit punishment and restoration mechanism to manage trustworthiness among enterprises [5]. - It emphasizes the need to differentiate between "dishonesty" and "inability" and to implement a tiered approach to credit punishment [5]. - The guidelines advocate for flexible measures to support enterprises in rectifying minor credit issues without being listed as untrustworthy [5].

Group 1 - The Supreme People's Court issued 25 specific judicial measures to address the challenges faced by the private economy, particularly focusing on the issues of "difficult and expensive financing" [1] - The "Guiding Opinions" aim to regulate illegal lending practices such as "usury" and "head-cutting interest," while also encouraging innovative financing guarantee models to support the development of the private economy [1][2] - The "Guiding Opinions" emphasize the need for legal protection of private enterprises' rights and interests against arbitrary loan practices by financial institutions, which can exacerbate the financial difficulties faced by these enterprises [3] Group 2 - The "Guiding Opinions" support the recognition of non-typical guarantees and the expansion of financing channels through supply chain financing, which is crucial for small and medium-sized private enterprises [4][5] - A long-term mechanism will be established to improve credit information sharing, allowing enterprises with a willingness to recover from setbacks to access financing opportunities [5] - The Supreme People's Court will collaborate with relevant departments to ensure timely updates of enterprise credit information, which is essential for preventing financing disruptions due to outdated information [5]

Core Viewpoint - The Supreme People's Court issued the "Guiding Opinions on Implementing the Private Economy Promotion Law," highlighting 25 specific judicial measures to address the challenges faced by the private economy, particularly focusing on the issues of "difficult and expensive financing" [2] Group 1: Financing Challenges - The "Guiding Opinions" aim to regulate illegal lending practices such as "usury" and "head-cutting interest," while also encouraging innovative financing guarantee models to inject legal momentum into the development of the private economy [2][4] - The "Private Economy Promotion Law," which took effect on May 20, emphasizes investment and financing promotion as a core component, addressing the persistent issue of "difficult and expensive financing" that hinders the growth of private enterprises [2][4] Group 2: Regulation of Illegal Lending - The "Guiding Opinions" explicitly regulate private lending order and impose strict penalties on illegal lending activities, which often lead to financial black and gray market behaviors [4][5] - A case study illustrates the severe consequences of illegal lending, where an individual borrowed 200,000 yuan but faced exorbitant repayment demands due to predatory lending practices, highlighting the need for regulatory measures [4][5] Group 3: Financial Institution Practices - The "Guiding Opinions" address the arbitrary practices of financial institutions, such as unilaterally increasing loan conditions or prematurely recalling loans, which can severely impact the operations of private enterprises [7] - A specific case demonstrates how a business faced a sudden funding crisis due to a bank's refusal to renew a loan, emphasizing the need for regulatory oversight to protect the rights of private enterprises [7] Group 4: Expanding Financing Channels - The "Guiding Opinions" focus on expanding new financing guarantee methods, supporting private enterprises in utilizing supply chain and industry chain resources to secure financing [9] - The document emphasizes the legal recognition of non-typical guarantees, which can help small and micro private enterprises access credit financing more effectively [9] Group 5: Long-term Mechanisms - The "Guiding Opinions" call for the establishment of long-term mechanisms to improve credit information sharing, ensuring timely updates to corporate credit information to facilitate normal financing [9] - Collaboration between the Supreme Court and relevant departments is emphasized to maintain and update enterprise credit information, providing opportunities for businesses to recover from financial setbacks [9][10]