First of all, the two sides may have reached an agreement to solve the problem. In a legal dispute, when the borrower fails to repay the loan on time, the borrower and the creditor can reach an agreement through consultation and make a reasonable repayment plan to avoid further legal disputes. If Xiaomi Finance has reached an agreement with the borrower on the overdue issue, the two parties may have negotiated the repayment plan and decided not to take further litigation.
Secondly, prosecution needs to consider cost-effectiveness and risk assessment. Litigation is usually a complicated and time-consuming process, involving legal fees, time costs and resource investment. If Xiaomi Finance thinks that the cost of prosecution exceeds the possible return, or the risk of winning in court is high, they may choose not to prosecute. In addition, the workload of the judicial system may also cause the prosecution of some cases to be postponed or abandoned.
Finally, Xiaomi Finance may take other measures to recover overdue payments. In addition to litigation, creditors can also recover debts by other means, such as taking collection measures, limiting the borrower's credit history or reporting overdue to credit reporting agencies. These means may be regarded as more flexible and cost-effective, thus avoiding long-term legal disputes.
To sum up, the reasons why Xiaomi Finance does not sue for overdue behavior may include that the two parties reach a settlement agreement, consider the cost-benefit and risk assessment of prosecution, and take other recovery measures to solve the overdue problem. It should be noted that the specific circumstances may vary according to the specific details of the case, and the above are just general possible reasons.
Extended data: