The online loan platform has disappeared and the money owed cannot be repaid. Will interest be added over time?

Of course not. Many borrowers have such a mentality. If the platform goes bankrupt, how can they pay back the money? This leads to the platform’s failure to collect money, and furthermore, investors’ pursuit of debts from the platform is not smooth, so the platform Delisting is just the delisting of the P2P information intermediary platform. It definitely does not mean the disappearance of the borrowing relationship. The borrowing relationship not only means between the platform and the borrower, but also between the platform and investors. Investors have the right to find If the platform pursues creditor's rights, the platform will naturally always have the right to go to the borrower to pursue creditor's rights. ?

First of all, we need to understand that the funds for platform lending mainly come from general investors, self-operated funds, financial institutions such as banks and trusts, and platform shareholders. Therefore, even if the platform fails, the debt relationship will still exist. Many times the platform only plays the role of an "intermediary". When the platform is liquidated, many companies will choose a healthy exit or transformation. However, the biggest problem is the dispute over creditor's rights and debts. If the borrower does not repay the money, the platform will not be able to pay the investors. . ?

So in order to reduce the damage to their own interests, many investors will transfer their claims to a third party at a lower discount. Lenders who are in urgent need of money get the money early, saving time and cost, and do not have to No matter how much effort is spent on this, for transferees who are willing to take on the claims, after acquiring a large number of claims, they will invest more time and energy in establishing the claims, and they will have more motivation to promote payment. Of course, most of these third parties are not formal. , some violent collections abound. ?

Debt records will not disappear out of thin air, users need to pay for the debt.

Many people may be waiting for online loan companies to go bankrupt and enjoy the benefits themselves, but in the era of big data, your behavior is recorded in detail, and debt records will not disappear out of thin air.

If you don't repay the money now, you will face more serious "harassment" than before, and you will also face a situation where it is more difficult to borrow money if you are short of money. In the long run, Mutual Finance is building a personal credit platform. If you don't pay back the money now, this record may stay with you for a lifetime.

There are many overdue platforms and long overdue periods. These "black spots" may be the threshold that hinders your progress in the future honest society.