Legal analysis: Peer-to-peer lending cannot refuse repayment within the legal scope, and the consequences of overdue repayment are as follows:

First, bear high overdue fees;

Second, undertake the platform fancy collection;

Third, facing the crisis of national trust;

Fourth, the credit stain of China People's Bank; The defendant went to court.

Legal basis: Article 175 of the Criminal Law of People's Republic of China (PRC) obtains credit funds from financial institutions for the purpose of lending, and usures them to others. If the amount of illegal income is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income. Where a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.