The online loan of 1,000 yuan is overdue and you will be sued.
The debtor's overdue repayment is a violation of the agreement between the two parties. According to relevant legal provisions, online loan companies can sue in court, so it is recommended that borrowers repay all arrears in a timely manner.
Article 119 of the Civil Procedure Law must meet the following conditions: (1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case; (2) There is a clear The defendant; (3) has specific litigation claims, facts and reasons; (4) falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit.
Internet lending, the foreign name is Internet lending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.
In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.
The essence of Internet finance is still finance, and it has not changed the hidden, contagious, widespread and sudden characteristics of financial risks. Strengthening Internet financial supervision is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging industry. It is necessary to formulate moderately loose regulatory policies to leave room and space for Internet financial innovation.
By encouraging innovation and strengthening supervision to support each other, 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, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and rationally define the business boundaries and access conditions of each business format, implement supervisory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely Crack down on illegal activities and irregularities.
Online lending includes individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court. Internet micro-loans refer to small-amount loans provided to customers by Internet companies through micro-loan companies they control, using the Internet. Online small loans should abide by the existing regulatory regulations on small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.