First of all, due to the low threshold

First of all, due to the low threshold, and without strong external supervision, such agency may break the bottom line of funds into the account, easily absorbed into illegal financial institutions deposits, loans, and may become illegal fund-raising. The event of a malicious fraud or money-laundering and other illegal acts, whether as a credit or debit, personal interests are more difficult to be protected. Currently domestic legislation was incomplete, supervisory duties on such lending limits not, credits for all nature uncertain laws and regulations defined.

Secondly, in terms of business risk, private credit agencies cannot, like banks, entering credit reporting system, understand the credit standing of the borrower, and effective loan management after a network transaction features to make it to significant information technology risk. In addition, "all loan" real estate agency of the second mortgage business the same risks. In recent years, real estate prices have been rising trend that once was reversed, it could have an impact on credit interest. Furthermore, intermediary intermediary costs to facilitate transactions, access to, and may also intentionally overvalued House prices, seriously affecting the realization of right to mortgage.

In addition, such agents is often false propaganda, such as claiming that a bank is a partner, and in fact, the Bank is only provided for the intermediary company account opening services.

In fact, all debit and the biggest risk is that law inadequate. In General, commercial bank lending rate of 4 times in the same period is regarded as usury and Division of non-loan shark. On the people's Court, Supreme People's Court in 1991 issued by lending cases were heard several opinions, provides that: "people can fit above the Bank's lending interest rates interest rates, local people's Court according to the actual situation in the region specific master, to a maximum of not more than bank lending rates of breed 4 times (including interest rates). Exceeds this limit, the excess of interest is not protected. "Benchmark for current year loans interest rate 6.56%, 4 times are 26.24% per cent ' per annum, doubling (simple interest) of or 1.96% (compound) monthly interest.1323 Infrared Themometer
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"For all loan" lack of legal supervision

Recently, private lending is booming all over. According to media reports, now more and more organizations and individuals involved in the loan, I'd heard around through intermediaries lend spare cash to pawn shops or private credit "financial management". May I ask, how big is the risk of lending to private credit intermediary?

In the case of the current monetary easing tight, "for all loan" (P2P)-credit service agency showing a trend of rapid development. This type of intermediary institutions to collect information on borrowers, lenders, assess the borrower's collateral, such as real estate, cars, equipment, and so on, and then paired and intermediary service charge. So mode there's a lot of credit risk, public participation should think twice before. In fact, the China Banking Regulatory Commission recently specifically issued a circular on the "loan for all" the risk to the Bank to carry out prompt.1323 Infrared Themometer
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Government support create a auto miracle

   


Although the identity is not "State-owned enterprises", but many of the world's leading business started and growing process, were well received by government industrial policy intervention, directly or indirectly influence, particularly in the Asian business front. Japan Government for the recovery industry, achieve economic self-reliance and improve labor productivity, has introduced a series of industrial revitalization policies for auto industry adopted a variety of measures.

Direct government investment in infrastructure

The initial period after the second world war, companies such as Nissan, Toyota, Isuzu for war on the back of a huge debt. If there is no Government support has been difficult to crisis. Ministry representative faction believed that automotive industries boost brought some economic departments particularly economy, mechanical and steel industry development must be key protected. Through Government began to encourage domestic enterprises and foreign enterprises cooperation imported spare parts, Assembly production of foreign brands and accelerate mastery of technology. But only technical cooperation does not allow foreign intervention.

Government to bring to Parliament draw up specific regulations

Japan automobile industry development early enactment of the law on automobile manufacturing business, "do everything in their 3O00 vehicles in the production for more than a year, must have prior government permission," "the car more than half of the shareholders of the company must be a Japan national. "In the 1950 of the 20th century, in order to protect domestic car industry, Japan Government imposed a high tariff protection and strict foreign exchange controls, developed the rationalization of enterprise promotion law, the law on provisional measures for the revitalization of the mechanical industry, intended to promote industrial cooperation in the automobile industry. 1963 L1, Japan held domestic industrial structure Council eventually established as car industry Japan strategic industry, ever wavered anymore.

Government in-kind or financial incentives given to automotive business development and subsidy

Japan enterprises choose to auto industry into one common feature was with small cars as a springboard it. Because Japan Government requires exhaust below the age of 71 in sooCC small car can enjoy preferential tax policies, including cars, trucks. Therefore, Japan many car manufacturers, are based on a small point a car for cutting into the Japan Auto market, this means that Japan auto industry competition one basic reason is that small car on the legal differences. Up to 40% of the tariffs on imported cars (the tariff only abolished in 1978, followed by Japan on imported cars free of tariffs), at the same time strictly prohibits foreign capital penetration of domestic automobile industry. Later, conditions matured, allow some hard to survive car manufacturers, joined hands with foreign enterprises engaging in "cooperation" or "technical cooperation".1323 Infrared Themometer
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