the so-called non-performing loans refer to abnormal loans or problematic loans, which refer to loans that the borrower fails to repay the loan principal and interest of commercial banks on time according to the original loan agreement, or there are signs that the borrower cannot repay the loan principal and interest of commercial banks on time according to the original loan agreement. China once defined non-performing loans as the sum of bad loans, sluggish loans and overdue loans (that is, "one loan exceeds two loans").

1. What are the bad online loans?

1. There is no moral bottom line for collection, and the means are cruel

2. Borrowing loans leads to the proliferation of usury

3. The interest rate is extremely high, with the annual interest rate exceeding 36%

4. The overdue fees are extremely high, with dozens or hundreds or even more per day

2. How to prevent bad networks.

1. Find out whether it is a regular loan

Regular lending institutions are all evaluated according to the comprehensive credit status of users. When applying, users not only need to provide identity certificates, running water certificates, etc., but also check whether users have a good credit record and repayment ability. If there is no review process for the loan products currently handled by users, then users need to pay attention, because the loan platform is deceptive in nine cases out of ten.

2. Check the interest of online loans

The interest of most online loan products will not exceed the scope stipulated by law, while those that exceed the scope stipulated by law are called usury. It is best not to touch such loan products, otherwise, once the capital chain breaks, it will lead to overdue, which will lead to high default fees, and it will be difficult for users to pay off.

3. You can get a loan only with your ID card

Now, there are many platforms that flaunt the market with such slogans, but you should remember that no matter what loan products are, you will not be able to make a loan only with an ID card. If the platform assures users repeatedly, then most of them are liar platforms. Don't believe it, otherwise it will not only fail to apply for a loan, but also reveal your personal information.

4. Charge before lending

Regular lending institutions will not charge users' fees before lending, unless they are swindlers, they usually take advantage of users' anxiety to use money to defraud them, so they will make excuses to ask users to pay fees many times before lending. Therefore, when users apply for loans, if they ask for payment before lending, then it is best not to apply.