It's not true, door-to-door collection is just a means to scare you into repaying the loan as soon as possible. Now that the state is cracking down on violent collection, they don't dare to come to the door at all. For such loan sharks, you can complain to the CBRC about their violent collection. Even if you want to pay back the money, you can only pay back the principal and interest as stipulated by the state. If you really overdue need to pay back as soon as possible, overdue will affect personal credit, the loan may receive a certain impact.

: I. Pat Loan Company Profile

Pat Loan changed its name to Shinya Technology. In June 2007, Shinya Technology Group was founded. The company's full name is "Shanghai Xinye Technology Group Financial Information Service Co., Ltd.", headquartered in Shanghai International Finance Center, is China's first online credit loan platform.

ShinYe Technology Group is the first Internet financial platform in China that has been specially approved by the industry and commerce department and has obtained a government-approved license for the business scope of "financial information service". With advanced concepts and innovative technologies, Shinya Technology Group establishes a safe, efficient and transparent Internet financial platform to standardize individual lending behaviors, improve the productive life of borrowers, and increase the investment channels for lenders. Shinya Technology Group believes that with the development of the Internet and the improvement of China's personal credit system, advanced concepts and innovative technology will bring historic changes to private lending, and Shinya Technology Group will be the leader of this change.

II. Investment products of Patten

1. Loose standard

Loose bidding is the most original borrowing object on the platform of Shinya Technology Group. Investors can invest the fund in multiple targets according to their personal term, interest rate and risk preference. For medium and high-risk investment targets, Shinya Technology Group will give risk tips and encourage "small diversification" of investment.

2. New Rainbow

New Rainbow is an automated bidding strategy that Shinya Technology Group has crafted for users based on 11 years of big data. Using this strategy, users can realize intelligent matching of targets and reduce capital investment. All loan funds are used to issue real loan targets announced on the official website of Xinye Technology Group, and the number of matched loan targets is about 10-1000. Users can check the matched claims at any time, truly making the corresponding claims of each fund clear and transparent. The term of the loan target in the strategy is ≤ 36 months.