in practice, when the bank loan is not repaid, the bank will generally make three collections. If the debt is not paid off after collection, the bank will bring a lawsuit to the court. However, if the court is able to repay the loan after the judgment, the court will enforce it and investigate the corresponding responsibility, and the possibility of criminal responsibility will not be ruled out. However, if the lender finds that it has violated the bottom line of the law when it fails to repay it within the time limit, it is also possible to be sentenced.
article 676 of the civil code of the people's Republic of China stipulates that the borrower is liable for overdue loan repayment. 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.
In fact, online loan is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network, and both borrowers and borrowers can achieve the purpose of lending without leaving home. Moreover, the general amount is not high, and it is purely credit lending. Online loans are divided into b2c mode and c2c(p2p) mode.
peer to peer refers to the direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate with lower management costs and provide services cheaper than traditional financial institutions.
the essence of internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet finance innovation. By encouraging innovation and strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and illegal behaviors.
peer-to-peer lending includes individual peer-to-peer lending (i.e. P2P peer-to-peer lending) and online microfinance. Individual peer-to-peer lending refers to the direct lending between individuals through the Internet platform. Direct lending on the platform of individual peer-to-peer lending belongs to the category of private lending, which is regulated by laws and regulations such as contract law, general principles of civil law and relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their controlled micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of online lending, and strive to reduce the financing costs of customers. Peer-to-peer lending's business is supervised by CBRC.