If the loan is not repaid, the institution will apply to the court for enforcement if it fails to perform the court's judgment within the performance period after suing the court and winning the case;
When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;
If the lender has no executable property under his name, refuses to perform the effective judgment of the court, and the negative information such as overdue repayment will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
It is suggested that the landlord return it quickly
How does p2p online lending platform borrow money? You can borrow money through third-party real-name authentication, and credit loans are like this.
What should I do if the P2P online lending platform does not repay? "You have to choose a platform with principal and interest guarantee. The security of principal and interest means that when the loan invested by Caibaitong users is overdue, the platform or guarantee company will advance the principal and interest that should be recovered in this period to the users.
Caibaitong P2P financial platform has such a guarantee, and I have been investing there.
What will happen if p2p credit borrows money? Generally, legal procedures will be taken in the end. At present, the p2p online lending platform is not connected to the central bank's credit information system, and online lending will not appear in personal credit information reports, which will not affect personal credit records, but this does not mean that online lending cannot be repaid.
Is there a reward for investing in P2P online lending platform? I don't know what you mean by Li Jiang. My loan to invest in my totoro is a reward for recommending friends.
Guangxi P2P online lending platform Top5, which platforms need to be carefully screened by themselves,
Matters needing attention in selecting P2P platform:
1, identify the strength of the company.
You can't just look at the registered capital.
Platform registered capital can be sideways.
Reflects part of the strength of the platform,
There is a high probability that the registered capital is too small and has no strength.
However, the registered capital is too large, and it may not have the strength.
We should also pay attention to the following points:
1. Is it a financial background or a financial gene?
As an important practice form of Internet finance, P2P is rooted in financial services, but the service mode is faster and more convenient. The rigorous financial background of the operation team directly determines whether the risk control of P2P platform is rigorous. In China, the more successful P2P platforms are operated by traditional financial risk control means.
2. Is the guarantee company strong?
In this way, the P2P financial platform mainly cooperates with a third-party guarantee company, and the third-party guarantee company jointly guarantees every transaction of the platform. If the borrower fails to repay the loan within the time limit, the third-party guarantee company will pay the principal and interest in full for the investor, which is adopted by many P2P financial platforms to ensure safety.
2. The operation mode not only determines the business content and scope of the platform, but also determines the stability of the platform.
P2P is essentially an information service platform for both borrowers and lenders, and commercial lending modes such as O2O and P2B have emerged in domestic platforms, large and small, according to their own specialties. P2P is a person-to-person lending model, and personal debt belongs to unlimited liability. P2B is a person-to-enterprise business. If it is a limited liability company, it may go bankrupt and the debt recovery will be very slim. O2O is an innovation in the P2P era, a direct online and offline model, and a relatively safe P2P financial management model. Basically, find investors online, find borrowers offline, introduce third-party guarantees or financing financial institutions guarantees, and mortgage in kind.
3. Risk control is very important
First of all, it depends on whether the platform is guaranteed by an investment guarantee company and whether the strength of the guarantee company is strong enough. Whether there is a third-party fund custody. Secondly, the total amount of funds raised by a single project is too large, whether it exceeds 5% of the total transaction volume of P2P platform. Even though many of them provide full guarantee of principal and interest, they also have their own unique risk control mechanism. It is necessary to avoid the operation of large loan funds or fund pools.
Secondly, it depends on whether the risk management ability is strong enough. Risk control mainly does two tasks. One is to evaluate the risk when the previous loan bid is approved. If the risk is out of control, it will be rejected by one vote. The other is post-loan tracking, which regularly understands the borrower's operating conditions and conducts on-site investigations.
In addition, offline collection ability is also the embodiment of risk control ability, and this criterion is mainly in:
(1) Collateral handling capacity;
(2) the coordination ability of social resources of public security law;
(3) The borrower's psychological analysis and handling ability.
4. Whether the platform is overdue and the specific situation of overdue bad debt rate.
P2P platform is to provide effective information matching services for borrowers and investors, so that investors can maximize their funds and borrowers can enjoy micro-financial benefits. In the process of matching borrowers and lenders, there will definitely be some small probability events, which are the bad debts and overdue that investors and platforms hate most. This situation certainly exists, even the most authoritative banking industry in China is inevitable.
The success rate of p2p online lending platform is higher. Want to improve your success rate. You need to upload more information to prove that you have enough repayment ability. And don't apply too much at the beginning to accumulate your credibility. In this way, the success rate of passing the audit will be high.
Excuse me, how to apply for a loan in Tommy Tam P2P online lending system platform? Click "I want to borrow money" on the home page, select "Apply", fill in the information, click "Confirm", and let it go, waiting for the platform to approve.