First, the best loan in Bai Rong has no industrial and commercial qualification.
There are many unqualified online loans on the Internet, and most of these online loan apps are unqualified or incomplete. Borrowers must distinguish carefully. When lending money, people tend to formal financial institutions, and their credit is guaranteed. Some platforms just take advantage of the lender's psychology, lie about the background and claim to be bank-approved loan platforms. Loan users prefer this platform, and they don't find themselves cheated until they finish the loan. The correct way is for users to conduct a survey on the platform before lending money, and go to the relevant background units to check whether the information is true or not, and don't be easily cheated.
Second, users should not apply for these black online loans.
With the increase of loan demand, routines will emerge one after another. For the sake of safety, the loan still chooses a formal platform to ensure the safety of its own information and funds. Many platforms shouted the slogan of helping to pack their identities, falsely claiming that even black households can pack, and only need to register with their mobile phones for two procedures. Some people think it doesn't matter if they don't apply for a loan. In fact, when you register with your real name, some software has bound your personal information by itself. These softwares will even steal the payment password and private information in your mobile phone for profit.
legal ground
The Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases issued by the Supreme People's Court pointed out that if the p2p online lending platform provider explicitly provides a guarantee for the loan through websites, advertisements and other media or has other evidence, the people's court may, at the request of the lender, judge the P2P online lending platform provider to assume the guarantee responsibility. It can be seen that this "regulation" is tantamount to acknowledging all kinds of guarantee behaviors carried out by P2P platforms and acknowledging the legitimacy of online lending platforms.
Overdue online loans will have the following consequences: 1, and bear high overdue fees. 2, undertake the platform fancy collection. 3. Facing the crisis of national trust, bank credit information is polluted. The defendant went to court.