Because this kind of small loan companies can't get in touch with the central bank's credit information, the negative impact of overdue is far more serious than the impact of the credit information blacklist. Because it involves loans with credit records, you can cover them with good credit records.
These p2p peer-to-peer loans are not connected to the central bank's credit information system. If they refuse to repay, they will generate high penalty interest, which will accumulate over time and make people breathless.
In addition, p2p peer-to-peer lending platforms are outsourced third-party collection companies. Because of your overdue, the collection staff of these collection companies will use all means to bomb the mobile phone address books of your relatives and friends. The collection method of this group of collection companies is to make your circle of friends restless, and the purpose of collection is to collect debts.
So stay away from lending, especially p2p peer-to-peer lending. In recent years, the rise of p2p peer-to-peer lending has led to an endless stream of negative news events such as naked loans, campus loans and routine loans.
The chaos of p2p platform in peer-to-peer lending and the lack of self-discipline among young people have led to these three platforms that are unlicensed and unqualified in peer-to-peer lending. Similarly, the rise of p2p peer-to-peer lending has also contributed to the unhealthy trend of violent collection.
Due to the negative news events of naked campus loans and routine loans, the state has issued the policy of p2p peer-to-peer lending and convention collection. I don't know how many online lending platforms can be filed at the end of June, and whether violent collection can be effectively restricted is also unknown.
To sum up, p2p peer-to-peer lending is overdue and can be docked with the central bank's credit information, which will definitely have a certain impact on personal credit information, and the collection will not stop for a while. Those p2p peer-to-peer loans that are not connected to the central bank's credit information system are overdue, and you still face collection.
How to avoid the influence of peer-to-peer lending, of course, is to stay away from usury. You can borrow money or use JD.COM gold bars, because their annual interest rate is only about 8%.
Small finance said that many p2p peer-to-peer loans generally have disguised usury behaviors, such as beheading interest, loan management fees, service fees, and high penalty interest.