1. Legal basis: People's Republic of China (PRC) Contract Law, Interim Measures for the Management of Business Activities of Personal-to-Personal Lending Information Intermediaries and other laws and regulations give the online lending platform the power to take freezing measures.
2. Default: When the borrower fails to repay the loan within the time limit or defaults to a certain extent, the online lending platform may decide to freeze its account.
3. Freezing measures: The online lending platform can freeze the funds in the borrower's account through technical means, including the operation rights such as freezing cash withdrawal and freezing repayment.
4. Debt treatment: freeze accounts to protect the interests of creditors. Online lending platforms usually communicate and negotiate with borrowers according to the debt situation and seek solutions, such as repayment plan adjustment and collection.
Summary: According to the relevant laws and regulations in China, the online lending platform can freeze the borrower's account to protect the interests of creditors. Freezing accounts is a common means of debt collection, but the specific situation will be different according to the overdue degree of debts, contractual stipulations and other factors. If the online loan is not available, it is recommended to contact the platform in time and actively seek solutions to avoid further legal disputes.