If the loan consumption cannot be repaid in time, the overdue penalty interest will also make ordinary people bear huge repayment pressure, and even commit illegal and criminal acts, which will affect social stability.

For most people, they have developed the habit of spending in advance in their lives, but they don't know that this way will have a great impact on themselves and their future lives. Loan consumption not only seriously endangers the personal safety of others, but also easily leads to criminal behavior, which is very unfavorable to social stability. In order to lend money, illegal usurers often use illegal means to threaten and intimidate their so-called debtors.

Hospital: There is no mental problem in the process of borrowing money.

In Ningbo, Zhejiang Province, a woman owed Wang Dai tens of millions and filed a psychiatric appraisal claim with a hospital in Ningbo. Before the appraisal began, the relevant personnel of the Judicial Appraisal Institute of Ningbo Kangning Hospital rejected her claim, but with the progress of the trial, the judicial department also filed an application for psychiatric appraisal. After subsequent appraisal, it is proved that women have no mental problems in the process of borrowing money, so they will also pay a certain price for their wrong behavior. It can't be seen that this woman's behavior is to avoid debt in this way. It is obviously impossible to avoid debt in this way.

What is my personal opinion?

I think as an adult, you should pay a certain price for your wrong behavior. Everyone should learn to be strict with themselves in life and make sure that you have a certain repayment ability before borrowing money. In the process of judicial expertise, we speak on the basis of evidence, not whether it is beneficial to the parties. Only by maintaining fair and just judicial expertise methods can we not affect our social stability. This woman was not mentally ill at the time of the incident. She was a person with full capacity at the time of signing the contract and must bear the responsibility for it. We should also be more rational before spending, so as not to affect our later life because of impulsiveness.