Many people will think of it when they are rejected by bank loans again.

. However, many people are worried when choosing online loans. They often worry that their online loans will lead to many risks due to the disclosure of personal information. So,

Will personal information be leaked?

In fact, it is normal for everyone to worry about this problem. Because whether the online loan is successful or not, it needs to be submitted in advance.

The platform submits relevant personal information in advance. In fact, as long as you choose a formal lending institution, the borrower's personal information will not be leaked. When the lender signs the relevant loan contract with the borrower, the lender will sign an agreement with the user, including the confidentiality agreement, which includes the obligation of the loan company to keep the personal information of the user confidential. Therefore, we don't have to worry too much. Once the borrower's personal information or data is leaked, he can also take up legal weapons to safeguard his legitimate rights and interests. So, how to choose a formal loan company loan? Below, let's teach you some methods.

First, is the online loan company formal?

Even online lending companies should have their own office space. The borrower can go to the loan company to learn the following information first. First of all, it depends on whether their business licenses are complete and can be provided to borrowers for inspection. After reading their business licenses, we should also check their registered capital. Companies with a registered capital of less than/kloc-0.00 million are basically unreliable companies, and we can basically ignore them.

Second, understand the source of funds of the loan company.

When borrowing money, the borrower should first check whether the company's capital source is reliable. Strong financial guarantee is the foundation for the survival of loan companies. If the loan company has unclear sources of funds and less loan funds, you should also pay attention to prevent it from being an irregular and unclean loan company. Especially those loan companies that claim to be open 24 hours a day are mostly unreliable. No formal loan company is open 24 hours a day, and formal loan companies have fixed working hours.

There is no need to pay any fees before the loan.

Formal loan companies don't have to pay any fees when borrowing money, but only pay the corresponding fees when lending money. Informal loan companies will start charging fees in various names when applying for loans. Don't believe it. In addition, the loan procedure is very simple, the data review is quite loose, and the expected annualized interest rate of the loan is attractive. It's also very unreliable and incredible.

Will personal information be leaked by online loans?

It is illegal to borrow money from others when personal information is leaked. The victim is not responsible for repaying the loan. The act of successfully receiving online loans by using someone else's ID card shall be deemed invalid.

Personal information leaked by online loans

If personal information is leaked, the loan company may not issue loans without the consent of the parties. Personal loan requires my consent, and the lender needs to verify the true identity of the lender, otherwise it is an illegal loan.

According to Article 17 of the Interim Measures for the Administration of Personal Loans, lenders should establish and strictly implement the loan interview system. If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower.

Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:

(1) Failing to investigate and review the loan due diligence;

(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;

(3) The terms of the loan contract have not been publicized;

(four) in violation of the provisions of article twenty-seventh;

(five) payment management does not meet the requirements of these measures.

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If you are "loaned" without knowing it, you can solve it through judicial channels, and provide some evidence that can prove your ignorance and irresponsibility, such as telephone chat records, signature handwriting, photographed images and so on. Regularly test the data of the reform of the central bank or Dima, complain and feedback to the banking institutions in time after finding problems, and safeguard their rights and interests reasonably and legally.

What should I do if my personal information is leaked by online loans?

Legal analysis: if the disclosure of personal information leads to online loans, individuals can negotiate with lenders to correct the identity information of borrowers; You can apply to an arbitration institution for arbitration and ask for confirmation that the borrowing responsibility should not be borne by yourself; Or determine the real borrower according to law.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Article 2 When a lender brings a private lending lawsuit to the people's court, it shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing.

If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination, and rejected it.

Thirteenth in any of the following circumstances, the private loan contract shall be deemed invalid:

(a) Obtaining loans from financial institutions for lending;

(2) Lending money from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing funds from public deposits;

(3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for the purpose of making profits;

(four) the lender knows or should have known in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans;

(5) Violating the mandatory provisions of laws and administrative regulations;

(6) Violating public order and good customs.