The worst result is jail. Credit information is affected. Nowadays, many online loans, although they can't be credit information at the time of loan, will produce negative credit information when they can't afford the loan. This is the change of credit information. However, this situation is generally only for formal online lending platforms, and some are informal. Private platforms will not receive credit information. If it is overdue, you need to pay back the remaining loans, otherwise the credit investigation will be recorded, and it will be greatly affected if you want to handle credit business in the future. Take legal responsibility. For a compliant online lending platform, the terms in the contract, especially the loan interest rate and related fees, are in strict compliance with relevant national laws and regulations, and this online lending platform is protected by law. If the borrower is overdue for a long time and the amount is large, the online lending platform will go through relevant legal procedures, and the borrower will be sued, not only paying back the money, but also bearing some legal responsibilities! This kind of online loan still needs to be paid back!

1. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

2. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as contract law, general principles of civil law and relevant judicial interpretations in the Supreme People's Court. Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from five or six thousand to June at most, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.