First, have online loans been prosecuted? 1. Online loans, like real loans, need to be repaid on time. If the arrears are not repaid at maturity, it is a serious breach of contract, and the creditor may bring a lawsuit to the court (prosecution refers to the act that the parties bring a lawsuit to the people's court on a civil dispute and request the people's court to hear it in accordance with legal procedures). If the creditor still fails to repay the loan after winning the case, it may apply to the court for compulsory execution. 2. The online loan model is a new financial model developed with the development of the Internet and the rise of private lending. Because there is no loan license, the online lending platform is essentially private lending. If the borrower fails to repay the loan at the agreed time after borrowing, the online lending platform, as a creditor, has the right to file a civil lawsuit against the debtor. Online loans will not be brought to court. Failure to repay on time will also affect your integrity. First, it is only natural to repay the loan. List all your online loans first, and list the interest from high to low. Distinguish which online loans have credit and which do not. When you have the ability to settle accounts in advance, no matter how much, pay back the ones with high interest first, and there will be credit information at the meeting. And immediately stop lending. Second: if you have a long repayment period, work part-time to make money slowly; If the cycle is short and long, it is necessary to make a reasonable repayment plan. Third: the amount of online loans is large and the interest is high. Discuss with your family from your own point of view. When you are unable to repay all the principal in advance, discuss with your family and find someone who is really willing to help you, whether it is your parents, brothers and sisters. Early settlement is also a better choice. If you can't do it, don't do it, just live a normal life! Fourth: Some online lending meetings have credit reports. After settlement, keep the credit report beautiful. (1) Credit cards can be used well. (2) Normal repayment of all credit cards and loans can be used for future credit accumulation. Therefore, it is necessary to repay on time and pay attention to credit reporting.

Second, there is no money to repay the loan of 65,438+10,000 yuan. The essence of internet finance still belongs to finance, which has the characteristics of changing the concealment, contagiousness, extensiveness and suddenness of financial risks. 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 [3] 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 the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as 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. [3] The P2P mode of operation is that online credit originated in Britain and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything. Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person". Creditor's rights transfer mode Creditor's rights transfer mode can better meet the borrower's capital needs and investors' financial needs, and actively carry out business in batches instead of passively waiting for their respective matches, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models. Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry". P2B mode P2B platform is characterized by individual to organization, and Sun Nianti's operation mode is that third-party organizations do risk control. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform. [4] The institutions that cooperate with P2B platform are usually strong, with strong risk control capability and high risk control level, so overall, the risk of P2B business model is far lower than that of P2P business model, and the security is more worthy of investors' trust. [4]P2B platforms can be subdivided into the following categories according to different cooperative institutions: first, platforms for cooperation with guarantee companies; The second is a platform for cooperation with small loan companies; Third, a platform for cooperation with factoring companies and financial leasing companies; Fourth, a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four major asset management companies and banks. Because guarantee companies usually have weak risk control ability, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and licensed formal financial institutions with strong strength such as securities companies, four asset management companies and banks have the strongest risk control ability and the highest risk control level. Therefore, in these types of P2B platforms, the first risk is greater, followed by the second and third risks, and the fourth risk has a stronger relationship with securities companies, four major asset management companies and banks. [4] Have online loans been prosecuted? Online lending is very common in society. For example, online loans are included in APP products such as Alipay that we often use, so the existence of online loans is legal. However, because there is no business license, the behavior of online lending is usually private lending, and there are also cases of being sued.