（来源：千龙网） 借400元分36期，年利率直逼36%，女子大学期间深陷"迷你贷"，催收人骚扰亲友，让她抑郁缠身。 2020年至2021年间，还在读大学的小陈因超前消费，被校园内分期乐推销人员口中的"低利息" 忽悠， 先后借了5笔，一共1.3万多元，年利率32.08%至35.90%不等。其中一笔400元竟然要分36期还。在还了 1.1万元后小陈无力继续支付，逾期超1000天，如今平台要她再还1.5万元。目前，小陈想结清贷款，但 利息太高，她希望和平台协商解决。事实上，国家早就明令禁止网贷平台向大学生放贷，利率超当时的 LPR四倍更是高利贷，本身就不合法！要斩断这把收割年轻人的镰刀，必须从严监管、严厉追责。 ...

（来源：猛犸新闻） 【#律师解读女子深陷迷你贷400元分36期#】#金融借款综合利率超24%部分应予调减#近日，据报道陈 女士大学期间因超前消费申请网贷，2020-2021年，她在分期乐平台累计借款13674元，五笔贷款显示年 利率32.08%至35.90%不等，分期最长36期。2022年8月，无力偿还的陈女士停止还款，逾期至今已超 1000天。据多家媒体报道，2025年12月19日，央行与国家金融监管总局联合印发《小额贷款公司综合融 资成本管理工作指引》，明确不得新发综合融资成本年化超过24%的贷款，原则上最晚2027年底前，所 有新发放贷款综合融资成本降至1年期LPR的4倍以内。陕西恒达律师事务所高级合伙人赵良善表示，依 据2017年《最高人民法院关于进一步加强金融审判工作的若干意见》，金融借款合同的借款人主张利 息、复利、罚息、违约金及其他费用总计超过年利率24%的部分应予调减的，人民法院应予支持。"陈 女士的贷款合同签订于2020-2021年，适用当时的司法保护尺度。"赵良善说，"但平台在2026年仍以 32%-35%计收罚息，这部分费用是否超过24%的司法保护上限，法院有权进行实质审查。"赵良善表 ...

Core Insights - The article highlights the financial struggles of a student, Ms. Chen, who took out multiple loans with high-interest rates while attending a private university in Anhui, leading to significant debt accumulation [1] Loan Details - Ms. Chen applied for five loans totaling 13,674 yuan, with annual interest rates ranging from 32.08% to 35.90% [1] - The loans were structured as follows: 6,800 yuan (36 installments), 1,000 yuan (24 installments), 3,500 yuan (36 installments), 400 yuan (36 installments), and 1,974 yuan (12 installments) [1] Repayment Challenges - By August 2022, Ms. Chen was unable to continue repayments and has since been in default for over 1,000 days [1] - She has repaid approximately 11,000 yuan but still owes around 15,000 yuan to settle her debts [1] - The total repayment amount required is 26,859 yuan, indicating a significant increase from the original borrowed amount [1]

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]