Affected by the social environment, more and more people are obsessed with early consumption. In order to satisfy their consumption desire, many young people are spending tomorrow's money to enjoy today's day. Because the price level has risen rapidly and people's wages are not very high, many people have stepped into the ranks of borrowing money for consumption.
In the past, when people were short of money, they usually borrowed money from people around them. The biggest advantage of this way of borrowing money is that you don't need to pay interest, but many people are often embarrassed to borrow money. With the rapid development of Internet technology, more and more people have joined the ranks of online loans after the emergence of online loans.
Online lending is very profiteering. Generally speaking, the interest on their loans is much higher than that of banks. Some online lending companies even give 1% or even higher interest. Moreover, this loan mode is operated through the internet, so the cost required is also very low, so that more money can be earned.
With the support of the Internet, online lending companies have enough customers and can also solve the urgent needs of customers, so many people regard online lending as the first choice for capital turnover.
However, the online lending industry is very chaotic. In fact, the registered capital of many companies is far from up to standard. In order to get more profits, they will make money by usury. Many people think that the interest generated by online loans is low. In fact, this is only a superficial phenomenon. In fact, the interest rate is staggering.
There are often many people who are eager to use money and fall into the trap, which is easy to suffer the loss of interests. In particular, the contracts signed by these online lending companies and borrowers are beneficial to them, and even if the lenders take them to court, it will not have much impact on them. Now, 23 online lending platforms have been seized, involving 630 million yuan. So, is it unnecessary to repay the loan owed by the borrower?
In fact, in life, not only some small loan companies are doing these false propaganda, but even some large listed companies are cheating in this respect. For example, JD.COM was interviewed by relevant domestic departments before because of JD.COM's unreasonable lending behavior. The financial department of COM.
It is understood that a case of online loan fraud surfaced some time ago, and the relevant state departments shut down 23 online loan platforms in one fell swoop, involving a total amount of 630 million. The reason why these online fraudsters are so rampant is that with the continuous development of the Internet, they take advantage of the big data on the Internet to package themselves, so as to achieve their own propaganda purposes and collect information from people, so some people who are in urgent need of money are easy to take the bait.
Generally speaking, if someone borrows money from these online lending platforms and cannot repay it for a long time, most online lending companies will not immediately "ask for help" from the Legal Department. After all, their lending behavior is also illegal. If it is solved by legal means, it will cause greater losses to itself.
Therefore, these online lending platforms will intimidate borrowers' families or spread some bad information when collecting money, so as to achieve the purpose of collecting money.
Although it is a matter of course to pay back debts, it is illegal for these lending platforms to pay high interest rates when lending. However, due to the weak legal awareness of many people, even if these online lending companies make unreasonable demands, many borrowers will bite the bullet and finish.
Moreover, these online lending companies will also set up a set for borrowers, so that they will fall into the trap of routine loans, and the final interest will be higher and higher, and it will become more and more impossible to repay.
Nowadays, the supervision of relevant domestic departments has increased, and these illegal platforms will be wiped out one day. If people encounter such illegal lending platforms, they must take legal channels to safeguard their legitimate rights and interests.