Extended data:
Pay attention to online loans:
1. Choose a platform with stable operation and professional background.
No matter how internet finance develops, its essence is also finance, and finance must contain risks, so professional people are needed to do professional things. The core leaders of stable loans are graduates from well-known universities such as Peking University, and have many years of experience in commercial banks, investment banks, listed consulting companies and other industries. The main leaders of risk control, technology, customer service and other departments are also outstanding talents in related fields with rich experience. The stable loan p2p platform has been operating stably for 2 years, and the risk control is regarded as life.
2. Identify high returns and high risks.
Today, there are still some platforms whose yields exceed 25% or even 30%. Imagine if the borrower is faced with such a high borrowing cost, will he be unable to repay it? What's more, China's law stipulates that "the interest rate of private lending can be appropriately higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed four times that of similar bank loans (including interest rate clauses). If this limit is exceeded, the excess interest will not be protected. " (Article 6 of the Supreme People's Court's Opinions on People's Courts' Trial of Lending Cases)
3. Clarify the situation of financial guarantee.
Many P2P platforms cooperate with third-party guarantee companies to provide guarantees for financial management projects. In addition, the stable loan adopts the operation mode of "small amount, diversification, mortgage and direct sales", which effectively reduces and disperses risks. Small amount: the average loan amount is about 654.38+10,000 yuan, and large loans are not within the business scope of stable loans; Dispersion, etc. , the risk is highly dispersed; Mortgage: the main business is motor vehicle mortgage loan, and the asset quality is guaranteed; Direct selling: all business departments are directly under the headquarters, and the headquarters conducts regular audits, with low moral hazard and operational risk. In the risk control system, adhere to the management mode of "separation of examination and loan, centralized examination and approval, vertical management"; The risk control process of preliminary examination-on-site inspection-review-loan review meeting; The headquarters will also conduct regular audits of all business departments to check compliance, legal affairs and finance. , to ensure that risks are stifled in the cradle.
Short-term overdue loans and their consequences:
Different financial institutions have different definitions of short-term overdue time. In view of short-term overdue, institutions generally do not take compulsory measures, but will remind them to collect repayment, and the consequences are:
5. High fines and liquidated damages: After loans overdue, in addition to interest and principal, high penalty interest and liquidated damages are also required.
2. Leave a personal credit stain: overdue records will be left on the credit report, and even after repayment, the overdue records will be retained for 5 years. Overdue records will affect almost all the subsequent financial activities of the overdue person.
3. Receiving SMS and phone call for collection: The lender will send SMS and phone call for collection of overdue funds continuously to inform the borrower of the serious consequences of overdue and order the borrower to return overdue principal and interest within a time limit.
Long-term overdue loans and their consequences
Generally speaking, overdue for more than 90 days will be regarded as malicious overdue by lending institutions. Banks can sue for recovery if they are maliciously overdue for more than 90 days, regardless of the amount. After the court's decision, the information of the person who has broken his promise (Lao Lai) will be announced to the public, limiting his high consumption and taking the high-speed rail. With the stricter supervision bureau, the online lending platform has become more and more standardized and strict, and now many online loans are on credit.