Why do online loan companies need to collect, and is the collection behavior of online loan companie

If you don't have the ability to repay, don't borrow money to spend.

If the online loan platform collects the following 10 situations that are in violation, you can complain:

1. Without the permission of the borrower, call relatives or friends** in the borrower's address book and harass them many times.

3. The borrower collects more than 3 ** per day after the borrower is overdue;

4. The borrower's collection call is not in the time period of 8:00 a.m. to 9:00 p.m. after the borrower is overdue;

5. Personal information of the borrower;

6. Going to the borrower's home or work unit to collect the collection, resulting in serious damage to the personal reputation;

7. The overdue fee after overdue is higher than the overdue interest rate stipulated by the People's Bank of China;

8. Induce the borrower to borrow money from other platforms and repay the loan from this platform;

9. Using illegal software SMS** to bombard the borrower's mobile phone number;

10. Pretending to be a staff member of a national law enforcement agency to intimidate, violently collect money and other violations of laws and regulations.

According to national laws, online lending platform collection is legal, but violent collection is illegal.

According to national laws, it is illegal for an online lending platform to explode its address book without the borrower's permission, and the borrower can report the illegal acts of the online lending platform to the China Internet Finance Reporting Information Platform.

Extended information: Online loan is the abbreviation of online loan, including individual online lending and Shangtong Peiye online lending. P2P online lending refers to direct lending between individuals through Internet platforms.

It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Brief introduction. The essence of Internet finance is still finance, and it has not changed the characteristics of financial risks that are hidden, contagious, extensive and sudden. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance.

At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principle of "lawful supervision, appropriate supervision, classified supervision, collaborative supervision, and innovative supervision", scientifically define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and non-compliant behaviors.

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 Internet platforms.

Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court. Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them.

Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. The online lending business is supervised by the China Banking Regulatory Commission.

The supervision of online lending platforms has increased from 5,000 or 6,000 at the peak to only 29 by the end of June, and the special rectification work may be basically completed by the end of the year and transferred to regular supervision.

The most afraid of the more difficult people. For example:

1. There is not much arrears This kind of person may know that his brother owes money on his credit card, but he feels that the amount is not large, and the impact on himself is not great.

2. Like to complain Credit card collectors are afraid of receiving complaints, and many cardholders are not happy to receive such collections.

3. No matter how many times you go**, the other party is still indifferent, this kind of person has to be submitted to the court for trial (provided that the amount is large enough) or directly come to collect it. Credit card collectors are afraid of being coarse and old-fashioned, and it is difficult for such people to succeed in collecting through formal channels. Although the bank can't do anything about it, for the old man himself, his life will be greatly affected, and it is not worth it.

Most of the collections are very strong, especially if you borrow a lot, and even come to your door, depending on how much you borrow.

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

5. In cases where there is the ability to refuse to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

I want to ask, how long have you been urging you have not been urging.

Be careful of being killed that day, why can't you do such a job that is missing.

Online loan collection is most afraid of complaints.

1.For most friends who are in debt, facing collection is the most tiring, if you really have no ability to repay, don't be anxious and don't be afraid, you can temporarily stop collecting**, if the online loan collector carries out violent collection, you can complain to them or call the police to protect their legitimate rights and interests.

2.It is indeed incorrect to not repay the money owed, but even if the money is not repaid, the online lending platform should not use violent collection methods to collect the money. In the face of violent collection of online loans, in fact, the debtor also has a way to deal with it, although this method is simple, but it is something that the vast majority or most collectors are afraid of, that is, "complaints".

3.Because violent collection is illegal. If the collector threatens to hit your family**, unit**, or blow up the address book, you can directly tell him that violent collection is illegal, as long as the other party dares, then he will complain.

Although the online loan is overdue, it is normal for the lender to collect it, but it is also necessary to comply with the regulations, and the state clearly stipulates in the relevant laws and regulations that a third party cannot be involved in the collection process, so for those platforms that explode the address book and bombard dozens of ** every day, we must keep evidence, report and complain.

4.Although it is said that after the complaint is successful, the company will not bear the cost, so the fine is still borne by the collector himself in the end, for many collectors, they know that the debtor is not a "soft persimmon" after being complained about once, and even many people directly give up the collection of the debtor.

Further information: The regulatory authorities of online lending platforms are as follows:

1.The banking regulatory institution is responsible for formulating unified policies and measures for the standardized development of the business activities of online lending information intermediaries and a supervision and management system, and guiding the local financial regulatory departments to do a good job in the standardized guidance and risk handling of online lending.

2.The Ministry of Industry and Information Technology is responsible for supervising the telecommunications business involved in the business activities of online lending information intermediaries.

3.The Ministry of Public Security is responsible for taking the lead in supervising the business activities of online lending information intermediaries on Internet security, and cracking down on financial crimes involved in online lending.

4.The Cyberspace Administration of China is responsible for supervising financial information services, Internet information content, and other businesses.

5.The local financial jujube group pure regulatory department is responsible for the regulation and guidance, record management, risk prevention and disposal of online lending information intermediaries in their jurisdiction, and guides the self-regulatory organizations of the online lending industry in their jurisdiction.

6.Provincial-level self-regulatory organizations in the online lending industry shall report their articles of association to the local financial regulatory departments for the record, protect the lawful rights and interests of their members in accordance with law, accept relevant complaints and reports, and carry out self-discipline inspections.