What is the malicious overdraft of online loans?

The malicious overdraft of online loans is a public prosecution case as well as a civil case, and it generally does not involve criminal cases. It is suggested that you should pay it back if you borrow it, and don't try to be a lazy one.

I. Types of malicious overdraft

1. Frequent overdraft. Cardholders frequently withdraw cash at credit card outlets close to each other, and make a lot of money in a short time.

2. Multi-card overdraft. The cardholder applied to a number of banks to open accounts in multiple positions, and the cardholder repaid the old overdraft, resulting in many debts that could not be repaid.

3. Overdraft in different places. Cardholders use the characteristics of underdeveloped communication equipment in China, the inability to collect cash withdrawal information in different places in time, and the difficulty in timely delivery of the "Emergency Stop Payment Notice" to commit crimes and overdraw across the country.

4. Cooperate with each other for overdraft. First, cardholders cross each other, chain guarantee, and apply for credit card overdraft in different banks. Second, the cardholder colluded with the staff of special merchants to obtain bank funds by means of false consumption. Third, cardholders collude with bank employees to use credit card overdrafts.

Second, malicious overdraft.

Malicious overdraft is divided into general illegal malicious overdraft and criminal malicious overdraft. General illegal malicious overdraft refers to the behavior that the perpetrator intentionally violates the terms and agreements of the credit card for the purpose of illegal possession, fails to repay the overdraft after the deadline, but the amount of fraud is small. Malicious overdraft is generally an illegal act, an administrative illegal act, and should bear corresponding administrative and civil responsibilities. Because it is less harmful to society, it does not constitute a crime. Criminal malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed time limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Credit card overdraft is a normal business, which can solve the temporary financial difficulties for cardholders. It can bring higher interest income to the issuing bank. Since there is a credit card, overdraft is inevitable. The key lies in how to control this risk and turn it into the interests of the issuing bank, so as to minimize the risk and maximize the profit. The issuing bank shall set up a special department to be responsible for the management of credit card overdraft. When a cardholder overdraws, he should know the cardholder's credit status, as well as comprehensive information such as economic income, economic activities and capital movements, accurately judge and predict possible risks such as overdraft behavior, overdraft amount and overdraft period, and do a good job in checking and supervising overdraft in daily management.