Lending Treasure Force is mainly aimed at non-repayment. First, Lending Treasure will mainly urge short-term non-repayment by SMS and telephone. If urging doesn't work, it will directly transmit the bad repayment to the credit information system through the institution, and the credit information center will decide whether to record the bad repayment record according to the bad repayment. Lending treasure is a loan product that is allowed to operate online only after being authorized by China Banking Regulatory Commission and Credit Information Center. It mainly determines the amount of the next payment according to its own credit information. The better the credit information, the higher the loan approval amount. It is precisely because of this that non-repayment of lending treasure will definitely have a negative impact on everyone's credit information. 3 if the loan treasure is overdue, it will be penalized first. If the arrears are overdue for more than 3 days, the interest rate will be raised, and more interest and penalty interest will be paid. Secondly, we have to pay overdue management fees. If it is overdue for more than 3 days, the basic overdue management fee will be charged, and if it is overdue for more than 3 days, the special overdue management fee will be charged.

Legal basis:

Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases

Article 1 The term "private lending" as mentioned in these Provisions refers to the financing between natural persons, legal persons and unincorporated organizations. These provisions shall not apply to financial institutions and their branches engaged in loan business established with the approval of financial supervision departments, and disputes arising from loans and other related financial businesses.

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 of lending. If the creditor's rights certificates such as IOUs, receipts and IOUs held by the parties do not specify the creditor, and the parties holding the creditor's rights certificates file 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 dismissed the prosecution.

article 24 the people's court will not support the lender's claim to pay interest if the borrower and the lender have not agreed on interest. The people's court will not support the loan between natural persons whose interest agreement is unclear and the lender claims to pay interest. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people's court shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation rate and other factors.

article 25 if the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the quoted interest rate of the one-year loan market when the contract is established. The "one-year loan market quotation rate" mentioned in the preceding paragraph refers to the one-year loan market quotation rate issued by the National Interbank Funding Center authorized by the People's Bank of China on August 2, 219. What is the compulsory recovery of payment loans?

The compulsory recovery of loans refers to the bank's compulsory recovery of loans in advance.

The following situations will lead the bank to recover the loan in advance:

1. The borrower provides false certification materials to defraud the loan;

2. The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, and the collateral damage is not enough to pay off the loan principal and interest, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, but the borrower fails to implement the new guarantee or new mortgage (pledge) as required;

3. Failing to use the loan for the purpose specified in the loan contract;

4. The borrower disposes of the collateral without the consent of the lending bank.

loan recovery refers to the timely and full repayment of the loan principal and interest by the borrower according to the repayment plan and repayment method agreed in the loan contract. Common loan recovery methods mainly include borrowing new loans and returning old ones. What do you mean by online loans being forced to land?

1. Online loans being forced to land means that the borrower has not yet made online loans, so he is violently collected by online loans. When the borrower can't bear it, he runs away and doesn't pay back the loans.

2. You can borrow money from relatives and friends to repay the online loan, which is the safest way to go ashore.

3. You can also ignore the violent collection and take all measures to stay away from the collection information, and all the arrears will not be paid back.

4. Forced landing can also actively repay loans, take the initiative to contact online lending institutions, negotiate repayment matters, give priority to the repayment of loans that are subject to credit investigation and lawsuits, and then pay off other small loans one after another.

What does it mean to be forced to land by online loans? Enter: See more contents. What does it mean to be forced by anti-aircraft guns?

Legal analysis: Anti-aircraft guns means that the borrower who applied for a loan with a loan term of 7-14 days can't afford the interest of usury, so he directly chooses not to repay the loan and endures violent collection until the loan is abandoned and forced to land successfully.

Anti-aircraft guns are forced not to go to the central bank for credit reporting, but violent collection is terrible, which not only affects the normal life and work of borrowers, but also affects the surrounding relatives and friends. Therefore, it is not necessary not to borrow 714 anti-aircraft guns, and it is best not to borrow them.

legal basis: article 68 of the civil code of the people's Republic of China prohibits lending at high interest, and the interest rate of borrowing shall not violate the relevant provisions of the state.

if there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

if the loan contract is unclear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Borrowing between natural persons is deemed to have no interest.