Will the current regular online loan explode the address book?

The private formal and reliable online loan platform will not use the means of exploding the address book at the beginning, unless it is ** has been unable to get through, shut down, or empty number, it will be transferred to a third-party collection company, and professional collection may use the method of exploding the address book. Formal licensed online lending platforms generally start to explode their address book after 1 month.

The collection company you need to find in the later collection of regular online loans will not care about you.

1. Online loan platform.

There is a chance to explode the borrower's address book, and when the borrower applies for a loan, the borrower allows the platform to read the address book information.

2. Even if the borrower changes or even clears his address book later, the record will continue to be stored on the platform.

3. Therefore, when the borrower does not repay, the lending platform will frequently contact the borrower's relatives and friends.

The purpose of forcing the borrower to repay the money.

5. The reason why the online lending platform can explode the borrower's address book is because when borrowing money, the borrower allowed the platform to read the address book information. Even if the borrower later changes or even clears his or her address book, the record will continue to be stored on the platform.

Extended Information: Solution:

1. Collect evidence to complain

After the online loan is overdue, if the collector is just normal collection, good words and persuasion, the number of collections is not too frequent, which is understandable, but if you take the address book, call harassment every day, send threatening text messages, these behaviors will often seriously interfere with the normal work and life of the borrower, these behaviors should be resolutely addressed, evidence should be collected as soon as possible, and then complain to the Internet Finance Association, the Internet Finance Association is the regulator of all online loan platforms, and complaints can be effectively feedback.

2. Confess to your friends in your address book.

Many people who have not borrowed online loans may occasionally receive harassment from collectors**, which is actually the means taken by collectors to explode the address book after your friend's address book was leaked. For the friends of the address book, they are the most innocent.

3. Therefore, after your online loan is overdue, you must confess to them as soon as possible, so that they can be on guard, and you can tell them not to answer strangers' ** in the recent period, and you don't have to be in a strange text message. At the same time, let them help collect evidence and unite against violent collections.

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 lending is the abbreviation of online lending, including individual online lending and commercial 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 principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably 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 irregular 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 customer financing costs. 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.