Civil law cuts interest rates, people may have no way to borrow money.
Civil law cuts interest rates, people may have no way to borrow money.
Zeng Mingzong, chairman of the Financial Management Commission, said that if interest rates are lowered, some people may flow into underground banks, and Japan does have relevant experience.
The card debt victims' self-help Association filed a complaint with the Financial Regulatory Commission yesterday, asking the Financial Regulatory Commission to agree to amend Article 205 of the Civil Law to reduce the interest rate ceiling from 20% to 16%. Zeng Mingzong personally communicated with the self-help Association.
Zeng Mingzong said: it will fully explain to the outside world why it is necessary to seriously consider the issue of amending the civil law. Because the adjustment of interest rates will cause some people to have problems in borrowing from banks, they will flow into underground banks. Japan has relevant experience, so we should think carefully.
Zeng Mingzong said: with regard to the card debt handling fund management committee, it is quite sincere that banks are not allowed to sell non-performing debts to outside asset management companies, and now both credit card revolving credit balance and cash card balance have been greatly reduced.
Zeng Mingzong stressed that if the bank's card debt has problems such as gangster debt collection and violent debt collection, banks will certainly be severely punished.
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5G wants talented people to abolish the dividend and spend it.
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