What are the dangers and seriousness of online loans as follows:

1. The virtual nature of online transactions, resulting in the inability to certify the creditworthiness of both borrowers and lenders, prone to fraud and default disputes in arrears.

2. A large number of lender information released by the online platform, many of which are in the name of "loan companies", "financing companies" and other foreign loans. In fact, must be approved by the state financial institutions can be engaged in credit financing and other financial services, unauthorized financial activities are often "illegal fund-raising", "illegal attraction of public deposits", disturbing the order of financial management and be held legally responsible.

3. If a loan is issued on behalf of an online platform, it is possible to fabricate borrowing information and raise funds illegally if the online platform is negligent in its self-discipline, or if its internal control procedures fail, or if it is exploited.

Watch out for a few points:

The difficulty of financing small and medium-sized enterprises (SMEs) is a well-known problem, especially when it comes to the tightening of bank credit, which makes the road to financing even more difficult. In this environment, some unscrupulous elements in the name of "network loans", the use of small and medium-sized enterprise owners eager, relaxed vigilance, and even the psychological characteristics of the hungry, falsely claiming that "no collateral, no guarantee", etc., carefully laid out, lured into the urn, causing huge losses to the The company's business is a very important part of the company's success, and the company has a lot to offer to its customers.

How shrewd the liar is, there is always a **** pass place. Summarize the information of all parties, for you to organize a few points of attention, I hope to have some reference.

1. Open a website, under the banner of a professional company

This type of website is often in the name of the "loan company", "investment consulting company", and sometimes on the site will also appear "national The purpose of the website is to further deceive small and medium-sized business owners by packaging themselves, but a closer look at the website reveals that it is not a good idea to use the website for any purpose. But a closer look at this type of website, you will find that they generally do not leave a landline and address, only a cell phone or QQ, even if you leave an address can not afford to check.

2. "Unsecured, unguaranteed", "same day lending"

In many of the "Internet loan scams", there are often "The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do it on your own. These slogans are extremely accurate to hit the majority of business owners and individuals in urgent need of funds to the point, in general, the project side in the search for a formal loan and was rejected often because of the lack of good collateral assets or guarantees. In this type of scam, small and medium-sized enterprise owners once hooked, will be required to "because no guarantee, no collateral" so before the loan to pay a certain amount of fees, security deposits, etc., and some even require the payment of a certain period of time in advance of the interest.

3. Pretending to be a formal institution

There are some fraudulent companies that are highly modeled after well-known lending institutions website, which is very deceptive. The pages of these impostor websites are often similar to the websites of formal lending institutions, and their domain names are only one or two words away from the websites of formal lending institutions. The majority of project parties need to be more careful in their inquiries.

4. Network transfer scam

In a network transfer scam, the scammer will claim that the money needs to be transferred to an intermediary account, and then ask the SME owner to enter his bank account number and password on a fake bank website or a website that has been tampered with, in order to cheat the SME owner of the funds in his account.

The above content is the relevant answer, if they do not have the ability to repay, and the network loan, the impact on their own is very large, the general situation if you can not repay the accumulated interest, may be very large, this time it is impossible to repay the loan.

Just applying for a loan on the Internet will affect the credit

Hello, coordinates Guiyang, Hive Loan for your answer.

You if you apply for an online loan is on the credit, it will have a certain impact on personal credit, especially with a bad record such as late, it will directly affect the bank loan.

If the online loan applied for is not on the credit, then there will be no impact on personal credit, but this data will be recorded in the online loan big data, if the online loan big data is not good, then it will affect the processing of online loans.

Will online loans affect credit?

Credit checks will be carried out if a loan is overdue. Credit checking is an activity in which a professional and independent third-party organization establishes a credit file for an individual or an enterprise. The third-party organization collects and objectively records their credit information in accordance with the law and provides credit information services to the public in accordance with the law. It is a professional credit extension. The agency provides a platform for *** enjoying credit information.

According to the business model, credit collection can be divided into two categories: enterprise credit collection and personal credit collection. Enterprise credit collection is mainly an organization that collects enterprise credit information and produces enterprise credit products; personal credit collection is mainly an organization that collects personal credit information and produces personal credit information. Product agency. Some countries these two kinds of business by an organization at the same time, some countries were completed by two or more institutions, or a country has a separate institution engaged in personal credit, and institutions engaged in personal and enterprise credit business, generally on the enterprise two types of credit business institutions have no restrictions, the specific credit institutions according to the actual situation of their own decision.

The best way to get rid of an overdue loan is to pay off the overdue portion quickly. Overdue loans have certain negative impacts and need to be treated with caution. The bank's loan records will be uploaded to the central bank credit system. In general, overdue loans will be recorded in the personal credit information, which will have an impact on personal credit. In the future, applying for a loan or applying for a credit card will reduce the pass rate.