What's the matter with ant micro-loan not borrowing money for dunning?

I didn't use ant micro-loan Taobao, why do I owe money?

They all open automatically. Taobao will repay with ant micro-loan first, so there will be arrears. However, microfinance can be closed. On the Alipay homepage, the management inside can be closed, but the money must be paid off first.

First, the consequences of not returning flowers after use:

1. Whenever Alipay is used, it will be automatically deducted;

2. SMS notification will be given if it is overdue;

3. Telephone dunning;

4. Involve relatives and friends with sesame seeds;

5. Serious cases will be prosecuted.

Second, the long-term impact:

1. Personal reputation will also be reduced, and Sesame Credit Branch will be lower than 600.

2. It is difficult to buy a house, but it is difficult to get a car loan. Even if it is done, the amount will be very low.

You can't enjoy the benefits of high sesame score. For example, you need to pay a deposit when you go out to open a house, and you need to pay rent when you rent a car. If sesame seeds are used more in the future, such as finding a job, finding a partner and holding some jobs, it depends on sesame seeds.

I didn't buy anything with Bai Hua Ant Micro-loan. Why do I always send messages asking for repayment?

It is for this reason that Ant Flower Shop has become your default payment method. You need to turn it off completely in the settings. Otherwise, if you scan the code with Alipay, it will be deducted from your ant flower shop, not from your balance or Yu 'ebao. I'll give you a little reminder to close the ant flower shop as soon as possible. I used to use the ant flower shop. I spent money once, but I have to pay it back. Now you don't even have to pay Alipay.

Why doesn't micro-loan network make dunning?

Because of regulatory requirements, no new bid can be issued online, and the micro-loan network has announced its withdrawal.

According to the regulations, the borrower's overdue repayment will affect the borrower's personal credit information, and may also affect future loans and living consumption. If the circumstances are serious, and the repayment is not active after repeated collection, which constitutes a criminal act, legal responsibility will be investigated and imprisonment may be possible.

I. Precautions for online lending

1. Whether the loan platform has been approved by the CBRC and whether it holds a financial license. If it is a small loan platform without a financial license, it is generally informal, and customers had better avoid it to prevent loan fraudsters from falling into loan scams.

2. What is the loan interest rate of the platform? Is it very high? If the loan interest rate is too high, beware of usury (the Supreme People's Court stipulates that the annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR).

Second, the micro-loan network shows signs of withdrawing from the online loan business.

On April 29th, 2020, Micro-loan Network issued the Information Bulletin on the Operation of Micro-loan Network, saying that since February18th, 2020, the business model of Micro-loan Network has been adjusted, and the focus of its work has shifted to post-loan collection, so as to fully recover funds and ensure the timely repayment of the lender's principal. On the same day, the micro-loan network also announced the relevant collection from March 18 to April 26.

Micro-loan network said that it is constantly increasing online and offline collection efforts, enriching collection methods, and reminding customers to cherish credit records and repay on time through SMS, telephone, App messages and WeChat official accounts. During the period from March to April 26th, 18, the platform temporarily detained 4,946 mortgaged properties, sent 1 1894 repayment letters to users, and reported 349 18 people to the list of debt evasion. Subsequently, the micro-loan network will continue to report overdue customer data to the credit information system. By then, untrustworthy customers will be restricted in personal travel, daily consumption, bank loans and children's education.

Why did Ant Micro-Loan send me a text message asking me to repay the loan? Is it a scam message?

Yes, it is obvious that your personal information has been leaked and targeted by fraudsters.

1, your mobile phone often receives short messages similar to advertisements, indicating that your personal information has been leaked, or that your mobile phone number has been leaked.

As long as your mobile phone number is still in use, they will keep texting. Power outages are basically useless. They all use the network number, one number at a time. Also, according to the regulations of communication companies, merchants must mark TD in the content when sending short messages. These two letters are purely decorative, not only useless, but also make them think that you are an active customer.

3. Generally speaking, the content of the short message is to remind you to apply for a credit card in the name of a bank, and some small loan companies remind you how many credit lines you have. Whether it is a credit card or a small loan, it is a routine, which will not bring you any help, but it is also in danger of revealing personal information.

1, online lending and p2p online lending are short for online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subclass of Internet finance industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

2.2065438+In September, 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Loan Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support operating P2P online lending institutions to access the credit information system.

3. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks, such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation.

4. Promote the healthy development of Internet finance and better serve the real economy by encouraging innovation, strengthening supervision and mutual support. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.