1. Legal basis: According to Article 197 of People's Republic of China (PRC) Contract Law, if the borrower fails to perform the repayment obligation within the time limit, the creditor has the right to take corresponding measures to protect its rights and interests.
2. Loan agreement: The loan agreement usually clearly stipulates that after loans overdue, the creditor has the right to take collection measures, and can notify the relevant units or individuals by SMS to urge the borrower to fulfill the repayment obligations.
3. As a community organization, the village committee is responsible for the management and mediation of community affairs, and may be regarded as an appropriate notification object to help collect loans.
4. Each telephone surname can refer to the emergency contact provided by the borrower when applying for a loan. These contacts are usually relatives and friends or close friends of the borrower. The online lending platform can seek the borrower's willingness to repay or other information by communicating with these contacts.
Summary:
According to China's laws and loan agreements, after the loan is overdue, the online lending platform can notify the village committee and the emergency contact person provided by the borrower through SMS to urge the borrower to fulfill the repayment obligation. These measures are aimed at safeguarding the legitimate rights and interests of creditors and promoting the recovery of loans with the help of community organizations and relatives and friends. Please note that the specific operation mode may be different due to the loan agreement.
Extended data:
-"People's Republic of China (PRC) Contract Law": This law clearly stipulates the loan contract and overdue repayment.
-online lending platform: refers to a financial platform that uses internet technology to carry out lending business, aiming at providing convenient lending services for individuals or small and micro enterprises.