The city issued a notice on strengthening the supervision and management of Dalian Code

On August 10, the Dalian Local Financial Supervision and Administration Bureau issued a notice on strengthening the supervision and management of Dalian Code: Poolings should return to the business origin of the civilian product, and gradually compress the proportion of real estate pawn business; Funding, absorbing or disguised acts such as deposits.

The notice states that the pawn bank of the newly obtained "pawn business license" continues to track for more than half a year, and supervise whether there is a registered capital for escape, and illegal illegal operations. The business of pawn banks should abide by laws and regulations, follow the principles of equality, voluntary, fairness, and honesty, and resolutely resist illegal and criminal activities such as "routine loans", "cutting interest", illegal fundraising, and money laundering, and establish a good industry image. In daily operations, pawn banks shall not have existence to collect interest fees, off -account operations, issue credit loans, real estate mortgage, rental, and use of goods. ; Do not entrust other units and individuals to handle the business on behalf of the business; shall not transfer the tickets to other institutions and individuals who are in charge of business qualifications of other pawns or not; Policy business.

The pawn bank should return to the business source of business, gradually compress the proportion of real estate pawn business, and enhance the service entities, the people, and the social capabilities. At the time of the receipt, pawnshop should carefully check the identity of the household, check the source and trace the source of it, and request a written commitment to provide relevant certification materials or the legitimacy of objects to prevent the stolen or unknown items. When dealing with the best objects, the pawn bank shall use the agreement discount or agreement auction and selling in accordance with regulations, and prioritize the income price. The remaining part should be returned to the household, and the insufficient part can continue to recover from the households. The pawn bank should record the relevant information of the person and the households. If the public security organs require the submission of the filing, they shall be reported in accordance with regulations.

There must be the following behaviors: fundraising, absorption or disguise to absorb deposits; accept shareholders with the bond shares held by shareholders; borrow or borrow funds in disguise with other pawns; Outstanding units and personal borrowings; foreign investment; financing through network lending information intermediaries, private equity investment funds and other channels; as well as other behaviors prohibited by laws and regulations and local financial regulatory authorities.

The pawn bank shall reasonably determine the charges based on the actual service, and should focus on reducing the cost of comprehensive financing of small and micro enterprises and residents. Poolings shall not be deducted as gold interest. The pawn interest rate shall be implemented at the loan market quotation interest rate (LPR) and floating range. If a comprehensive fee is charged to the household, it shall not exceed the upper limit of the rate of rates stipulated in the "Poly Policy Management Measures".

Peninsula Morning Post, 39 -degree video chief reporter Zhao Hui

- END -