2065438+08129 October, 18 The first batch of borrowers of peer-to-peer lending platforms maliciously evaded debts and were included in the central bank's credit information system, and were punished for breach of trust, involving an overdue amount of nearly 200 million yuan.

Personal credit report mainly includes the following information of consumers:

1. Personal basic identity information (name, date of birth, address, telephone number, work unit, etc. )

2. Credit records (repayment records of credit cards and consumer credit)

3. Public records (communication payment, public utility payment, court judgment record, etc.). )

4. Inquiry records (all inquiry records of the respondents within 6 months)

Bill Man is a mobile credit financial technology service APP for young people, which aims to help domestic young people complete the consumption installment service. Through the big data algorithm model and artificial intelligence, it provides convenient and fast consumer finance technology services for the young fashion generation.

Extended data

The main functions of beermann are as follows:

1. The audit speed is fast, and the average audit time is 2.8 minutes.

2. The application requires less information, just bring your ID card and bank card.

3. Consumers' personal mobile phone operation ensures privacy and security.

There are various financial products to meet the needs of different people at different stages.

The central decision engine established by the risk control department and the IT department cooperates with each other, and automatically screens out effective data based on strict and meticulous algorithms for professional analysis and calculation. This data model can give the risk audit results within 2.8 minutes.

Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time.

For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.

Baidu encyclopedia-bill payer

Baidu Encyclopedia-Personal Credit Information

Baidu encyclopedia-overdue interest