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No debt but threatened, “hot” warning about borrowing via app

At the question-and-answer session, delegate Pham Thi Thanh Mai (Hanoi delegation) raised the issue that people now easily access a fairly common type of loan, called a website loan or an app loan called by the bank. is peer-to-peer lending P2P lending. Request the Governor of the State Bank to inform the legal corridor of this peer-to-peer lending activity that people only know and collectively call borrowing through the app.

The delegate further cited that recently, the Hanoi police had solved a case of borrowing through an app to more than 5,000 billion VND, causing great damage to the people.

No debt but threatened,

Delegate Pham Thi Thanh Mai- Hanoi National Assembly Delegation. (Photo: QH)

KYThere is no separation between the money of the lender and the borroweray

According to Governor Nguyen Thi Hong, with the development of high technology, a lot of activities and P2P lending activities have appeared in the US and in the UK a decade ago, in recent years spreading to other countries. Asia and Vietnam.

In some Asian countries, especially China, there was a peak when people set up thousands of these sites to make loans. The country built a technology platform to connect lenders and borrowers.

However, in practice in Asian countries, there is also a phenomenon of not separating money from lenders and borrowers. It is possible that the person who founded this technology platform to reconnect is the borrower or the lender. Therefore, leading to insecurity and social order in recent times.

For Vietnam, the Government has directed very strongly and assigned the State Bank to lead together with ministries and agencies to study.

“We together with the ministries and sectors have conducted a survey in Vietnam and found that there are organizations with P2P lending status and currently the State Bank is also drafting a decree on this activity to have P2P lending. the legal corridor for this activity, ensuring that this activity must be healthy, safe and effective. On the basis of the experience of other countries, we will learn from experience to limit the risks that may arise,” Thong said. director emphasized.

No debt but threatened

Also related to technology and technology crimes, Pham Van Thinh (Bac Giang delegation) raised two issues.

The first is that recently, there was a situation of impersonating someone else’s Zalo, Facebook to fraudulently transfer money through the account. There is an opinion that this comes from the lack of strict account management at commercial banks, which leads to the situation that there are many accounts at commercial banks that the user is not the owner of the account. Clauses make it difficult for authorities to assign responsibility, when there is a violation of the law, creating favorable conditions for illegal fraud to arise.

Second, the situation that many people do not have loans but are harassed, insulted, defamed, threatened by phone calls because they have names and phone numbers in the borrower’s phone book through online or loan applications. directly by financial companies, when borrowers fail to repay loans on time.

Delegates asked the Governor to say what measures will be implemented to gradually limit the above violations?

No debt but threatened,

Delegate Pham Van Thinh – Delegation of the National Assembly of Bac Giang province. (Photo: QH)

Regarding the issue of account management as well as the phenomenon of using tricks to scam people with money in the account.

The Governor said that deposit activities are one of the main activities of the banking system, according to which the legal framework for opening accounts has been issued by the State Bank in a very complete and detailed manner.

Especially with the development of high technology, the State Bank has also created a premise to switch to digital banking in the future.

“We already have a document to allow opening accounts via electronic means and electronic authentication. In fact, when opening an account, individuals must verify their identity. Electronic must also be identity cards and identification.

However, in recent times, there have also been fraudulent phenomena, it is possible that people will cheat on the Internet to get the account holder’s information and on that basis, people will enter Internet activities. Banking to steal information and steal money from accounts.

Or, as the delegate stated, there may also be phenomena where people will insert a wave, for example a bank has a message for a customer, but the wave is inserted and followed immediately after the message. of that bank, customers cannot distinguish whether it is a message from the bank or a fake message”, the female governor informed.

No debt but threatened,

Governor Nguyen Thi Hong. (Photo: QH)

In fact, the State Bank also needs to coordinate with ministries and functional agencies to verify, to obtain information, and especially the State Bank to have solutions to warn people about these phenomena. This is for everyone with money in the account to note so that when I receive these messages, I have to be very vigilant.

Regarding the fact that many people do not have loans but are harassed, insulted, defamed and threatened by phone calls due to their names, the State Bank has reviewed and also found it necessary to amend legal documents. the law.

According to the Governor, currently the Circular of the State Bank of Vietnam regulating lending of financial companies has also been revised in the direction that companies are not allowed to collect debts under threatening measures and also stipulates that It is clear that the time to collect the debt must be from 9 am to 9 pm,…

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