Over the years, there are more and more platforms for peer-to-peer lending, but there are also all kinds of people who will get illegal peer-to-peer lending if they are not careful. This kind of black-hearted online loan usually has high interest, collects violence and collects fees privately. Even if the borrower is unable to repay, it will be brought to court by the court.
From April 1 day, the state will implement new supervision on online lending platforms, and it will no longer be applicable to prosecution in different places. According to the "new national regulations", it is illegal for online lending platforms to operate across provinces. For example, if your loan platform is headquartered in Guangdong and you are in Shandong, then you can apply for a loan. It is illegal for this platform to give you a loan.
Relevant regulations
The inter-provincial agreement reached with the peer-to-peer lending platform before will probably become a piece of waste paper. Now the relevant departments are stepping up the inspection of online loans. Many online lending companies do not have business licenses, that is, they lend money indiscriminately. In recent years, our country has cleaned up nearly 5,000 illegal peer-to-peer lending platforms.
Lenders can easily find out whether their lending platform has a business license. An online lending platform without a business license has no legal effect. Even if the lender is sued, the court will not accept it. At the same time, in the face of unreasonable collection of other black-hearted online loans, we must learn to use legal weapons to safeguard our legitimate rights and interests.