Alipay’s charge of 2.99 yuan for reserve deposit is a loan shark. What do you think?

The 2.99 yuan charged by Alipay for reserve funds is not a usury and should be a normal handling fee.

Article 26 of the Supreme People's Court's "Regulations on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" stipulates: If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, the lender requires the borrower to comply with the agreement. If interest is paid at an interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the lender exceeds the annual interest rate by 36%, the excess interest agreement is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support the request. How to withdraw the reserve fund

Hello, the general procedure for withdrawing the reserve fund is as follows:

1. Fill in the cash check. When an organization needs to withdraw cash, the cashier usually fills out a cashier's check and then withdraws the cash from the bank. The requirements for filling out cash checks are very strict: they must be filled out with a pen using carbon ink or blue-black ink. They should be written carefully rather than scrawled.

Fill in the actual issuance date for the issuance date. The name of the payee should be consistent with the name on the reserved seal; the amount must be filled in as required. If the amount is wrong and cannot be changed, it should be invalidated and refilled; the purpose column must be filled in with the true purpose and no fraud is allowed; the signature must be consistent with the seal reserved by the bank; the back of the check must be endorsed by the withdrawal unit or the withdrawer.

2. Submit the withdrawal receipt to the depository bank. Counter Circle

After arriving at the deposit bank with the cash check, hand the cash check to the accounting window of the deposit bank, and the bank will pay the cash after verification.

3. Counter Circle

After receiving the cash, you should carefully count and confirm the withdrawal amount before leaving.

4. After withdrawing the cash, the cash should be deposited in the safe in time.

1. When collecting the reserve fund. When someone within the company needs to collect reserve funds, the manager usually fills out the loan documents. Loan documents may be issued in triplicate. The first is the payment voucher, which is used by the financial department as the basis for accounting; the second is the settlement voucher, which is retained during the cashier period and used as the basis for write-off during repayment. After repayment, the repayment receipt will be attached to the accounting voucher, and the third copy will be given to the borrower to keep. It will be signed by the cashier during repayment as a receipt for the settlement of the loan and the timely return of the loan.

2. Reimburse reserve funds. Petty cash can be divided into fixed petty cash and non-fixed petty cash. Prepaid. Imprest refers to internal departments or staff of an organization that frequently use imprest funds for sporadic expenses, sporadic purchases, sales changes, or travel expenses. The amount of cash should be assessed based on actual needs, and the assessed amount should be maintained regularly. Implement a fixed reserve system. Departments or staff who use the fixed provident fund should fill in the loan voucher according to the approved amount, receive the entire amount at one time, and be reimbursed with invoices and other relevant vouchers after use. The cashier should supplement the reimbursement amount to the original quota to ensure that the department or staff always maintains the approved cash quota. Only at the end of the period, when the deposit is canceled or the operator changes, will the deposit be fully refunded.

3. Non-fixed reserve funds refer to the company's internal departments or staff filling in loan vouchers based on the amount of provident fund required for each business, borrowing cash from the cashier, and reimbursing the finance department. Original vouchers such as invoices are required after one use. The deficient part will be refunded in multiple parts and made up at one time, and the loan procedure will be re-opened the next time you use it again. How to use the reserve fund? Can it be withdrawn in cash?

The reserve fund can be withdrawn in cash. For example, on the reserve fund interface, there is a limit of 500 yuan. Click to withdraw it. Of course, as long as it is less than or equal to 500, you can withdraw it.

The Ant membership level is gold membership and above, the Sesame score is ≥650, and there is no negative record of Sesame credit. Aged between 18 and 70 years old, and residents of mainland China. The reserve fund in Alipay can be withdrawn, but the prerequisite is that it must be an integer and it must be collected within the specified amount.

If you need it, you can try it. Many users have an interface in Alipay that is free for seven days. Charges will start on July 10. Users who have experienced it will use it again.

Extended information:

Introduction to the use of reserve funds is as follows:

Interest fees will begin to be charged. The fee for each use is 2.29 yuan for 7 days. The details are as follows: Alipay official page shall prevail. This product is very similar to the product launched by Alipay. Jiebei is a loan product launched by Alipay. Users can apply for loan amounts ranging from 1,000 to 300,000 yuan. The loan interest rate is calculated based on the user's credit, and the loan can be repaid at any time.

Alipay reserve fund is actually an ultra-short-term cash loan. If you calculate it carefully, its annual interest rate has exceeded 20%. This may be the loan with the highest interest rate among Alipay products. It can be used for up to seven days, and it can be used for a year. 52 weeks, can be used 52 times. How to use Alipay reserve fund 2000

How to use Alipay reserve fund 2000:

Operating environment:

Brand model: vivoS12

System version ：OriginOS

App version: v10.2.53.7000

1. First open Alipay, then find and click on the search box on the main interface, enter reserve funds in the search box, and then Click on Reserve.

2. The reserve fund activation interface will pop up. Click Activate Now on the page to activate the reserve fund.

3. What needs to be noted here is that the prerequisite for opening the reserve fund is that the Sesame Credit Score must reach 650 or above.

4. After successfully activating the reserve fund function, click on "Withdraw", then enter the amount of 500 yuan or less, and then click "Confirm". The borrowed amount can be stored in the Alipay balance.

5. The reserve fund function can only borrow the amount twice a month. The maximum amount you can borrow each time is 500 yuan, and the period is 7 days. You need to repay the first borrowed amount before you can borrow it for the second time.

The reserve fund is a reserve amount allocated by the enterprise to the enterprise's internal fund-using units or individual employees for sporadic expenses. The reserve funds allocated by the enterprise can, according to management needs, adopt a one-time reserve fund or fixed reserve fund system, and be accounted for in the "Other receivables - reserve funds" detailed account.

Essential funds are funds allocated by enterprises, agencies, institutions or other economic organizations to internal units or staff who are not independently accounted for travel expenses, sporadic purchases, sporadic expenses, etc.

The reserve fund should be designated by a designated person to be responsible for its management and used in accordance with the prescribed purposes. It shall not be lent to others or used for other purposes.

The reserve fund is mainly used for small sporadic reimbursement expenses. Its scope of use is: other personal expenses stipulated by the state except for the unified salary payment project; travel expenses that travelers must carry with them; other real needs Payment of cash disbursements, etc.

The reserve funds received by each budget unit should be managed in accordance with the "Cash Management Regulations" issued by the State Council. The economic transactions of the unit should be settled through bank transfers, except that cash can be used within the specified scope. . Reserve fund management includes borrowing management and custody management.