1. p2p online loan where investors' money runs away.
2. Cash loans with ultra-high interest rates and violent collection.
3. Illegally cashed consumer loans.
4. Conventional loans for fraud under the guise of private lending.
If the interest rate of an online loan is extremely high, a large number of unknown fees are charged, or even violent collection is made, it is very likely that it is an illegal online loan.
Online loans and black loans refer to loans issued by informal platforms. Loans issued by various network micro-loan companies and guarantee companies can only rely on ID cards, but the safety and regularity are not guaranteed. It will also disclose its own private information, involving the use of personal information without the user's consent, the collection of personal information unrelated to the services it provides, the failure to disclose the collection and use rules, and the failure to provide the function of deleting or correcting personal information in accordance with the law.
1. Informal online lending has the following characteristics:
1, cash loan violently collected by ultra-high interest rate.
2. Illegally cashed consumer loans.
3. Routine loans for fraud in the name of private lending.
Second, the consequences of overdue informal online loans;
What are the consequences of informal online lending?
1. Credit will be damaged: whether it is money borrowed from banks or online lending platforms, it will be much more difficult to apply for credit cards or loans in the future if it is overdue.
2. Penalty interest and liquidated damages: If the loan is not repaid, you will first encounter high interest and corresponding liquidated damages.
3. Take charge of fancy collection on the platform, such as telephone information bombing collection, address book exposure, SMS phone intimidation, disclosure of personal privacy, blood collection, etc.
legal ground
Article 7 of the general rules for loans
Article 7 Self-operated loans, entrusted loans and special loans:
Self-operated loan refers to a loan independently issued by the lender with funds raised by legal means. The risk is borne by the lender, and the principal and interest are recovered by the lender.
Entrusted loans refer to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, term and interest rate determined by the principals. The lender (trustee) only charges the handling fee and does not bear the loan risk.
Specific loans refer to loans granted by wholly state-owned commercial banks after they have been approved by the State Council and taken corresponding remedial measures.
people's republic of china network security law
Article 41 When collecting and using personal information, network operators shall follow the principles of legality, fairness and necessity, make public the rules of collection and use, clearly state the purpose, manner and scope of collection and use of information, and obtain the consent of the person being collected.
Network operators shall not collect personal information irrelevant to the services they provide, and shall not collect and use personal information in violation of the provisions of laws and administrative regulations and the agreement between the two parties, and shall handle the personal information they save in accordance with the provisions of laws and administrative regulations and the agreement with users.
Forty-second network operators shall not disclose, tamper with or destroy the personal information they collect; Personal information shall not be provided to others without the consent of the person being collected. However, unless the specific individual cannot be identified after processing and cannot be recovered.
Network operators should take technical measures and other necessary measures to ensure the safety of personal information collected by them and prevent information from being leaked, damaged or lost. When personal information is leaked, damaged or lost, it shall immediately take remedial measures, inform users in a timely manner according to regulations, and report to relevant competent departments.