Does the bank urge the student loan to disclose personal information, which infringes on students' personal privacy?

Originally, the bank's student loan to many college students was a kind of goodwill, which made students afford to go to school, learn knowledge well, become a pillar of the country and benefit the people. But paying off debts is a matter of course. As college students, since they have signed a student loan with the bank, they must abide by their credit and fulfill the contract as scheduled. Even if you can't pay back the money for various reasons, you can't slap your ass and leave, or use your poor memory as a "shield." Legal responsibility cannot disappear without a trace. The credit punishment reminded by the dunning notice, including the impact on personal credit and the inability to take the high-speed train, is not without basis.

But in all fairness, the "real power" of this dunning notice may not be "warning" to bear legal responsibilities such as breach of contract and credit punishment. Looking through the reports, this notice not only emphasizes the consequences of overdue, the time and method of repayment, but also attaches a "list of overdue students as of 20 18 12 2 1", including student information such as name, university, overdue amount and address. For some college students who are in debt, the publication of this information means that the identity of "Lao Lai" may become a household name, and they have to pay their debts as soon as possible for "face".

However, such information disclosure is also suspected of infringing citizens' personal privacy. Although this dunning notice does not disclose the core information such as the ID numbers of these students who are in arrears, some detailed home address information has been able to accurately locate the parties. For example, some students' home addresses are public, some go to village groups, and even "specific to several units". These are all important information related to personal privacy and safety.

In my opinion, the means of publishing citizens' personal information is a double-edged sword. Even if it is for legitimate purposes and has certain practical effects, it must be used with caution and cannot expand the scope of publicity, thus infringing on citizens' privacy and other legitimate rights and interests. Otherwise, creditors should also bear corresponding legal responsibilities for infringing citizens' legitimate rights according to the Tort Liability Law.

Back to this dunning storm, it is necessary for the banks concerned to check the legality of the contents of the notice, even in order to safeguard their legitimate rights and interests and avoid taking illegal measures and paying high rights protection costs. For students who don't pay their debts, they should also review the spirit of contract and honesty, and make up the student loan in time, which is an important lesson in society.