The loan has not been withdrawn yet. Do you want to pay it back?

The online loan application was passed, and the money was put into the wallet, but it was not taken out. Do I need to pay back?

You need to pay back the money. Since the money has been lent to your wallet, it means that the lender lent you the money and you should pay it back. Whether you withdraw or not has nothing to do with the lender, and you can't use this as an excuse not to pay it back.

Hello, do I need to repay the loan I applied for?

If you apply for a loan, but the loan money hasn't arrived yet, under normal circumstances, you don't need to repay it immediately. In this case, you need to contact the lending institution in time to understand the loan situation, confirm whether the loan has been approved and transfer the money to your account.

If the lending institution has transferred the loan to your account, you need to repay it according to the repayment method and time agreed in the loan contract. If the loan money has not arrived yet, it is necessary to contact the lending institution before the maturity to discuss the repayment method and time to avoid unnecessary expenses and credit problems caused by overdue repayment.

It should be noted that lending institutions can adopt different treatment methods according to specific conditions. It is recommended that you contact the lending institution in time when you encounter problems, and keep relevant evidence and records in order to safeguard your rights and interests.

I borrowed money, but I didn't get it into my bank card. Do I need to pay back?

You borrowed money, although you didn't get it on your bank card, you still have to pay it back after spending it. You don't have to withdraw it to the bank card. First of all, let's specifically analyze why it is fraud.

If the bank card number is wrong when transferring money, the bank does not need a power of attorney to change the card number.

Banks don't need money to change card numbers.

What is the wrong bank account number?

The card number is wrong when transferring money, which only leads to unsuccessful transfer. The funds are returned in the same way, so there will be no capital loss and will not be frozen. More do not need any verification funds to unfreeze. You don't need a deposit. So this is the routine of a liar. In the case that the card number is incorrect, it is also the case that the liar changed it into an error, just to find a reason for fraud.

Second, what's wrong with this kind of fraud?

First of all, the APP is not downloaded through formal channels, but should be downloaded through SMS links or QR codes given by others. This download is a fake APP made by a liar. A simple identification method: you can go to the app store of your mobile phone to search and verify it. If you can't find it in the APP store, there is something wrong with the app.

Secondly, the account that needs to be paid for fraud is an ordinary personal account, not a company account. The main difference is that someone's name is on the account. If it is a financial institution, it will never use a personal account to collect money.

Third, the analysis results and processing methods.

First of all, if you don't receive the loan, you won't be responsible for repayment. The loan in the scam does not exist at all. APP is just a number, and there is no real loan.

Secondly, it will not affect the credit information. Only formal financial institutions, if you have overdue repayment, may affect the credit, swindlers do not deserve.

Finally, if you have been cheated, call the police directly. If you don't cheat, you can directly delete the liar's things. It won't have any other effect on you. According to Article 20 of the Interim Measures for the Administration of Online Loans of Commercial Banks, commercial banks should inquire about the credit information of borrowers after obtaining authorization, and collect, inquire and verify the relevant qualitative and quantitative information of borrowers online through legal channels and means, including but not limited to information such as taxes, social insurance funds and housing accumulation funds, so as to fully understand the credit status of borrowers.

Commercial banks should abide by the Interim Measures for the Management of Personal Loans and the Interim Measures for the Management of Working Capital Loans, and at the same time determine the differentiated entrusted payment limit according to their own risk management level, the scale and structure of Internet loans, application scenarios, and credit enhancement methods.

Do I need to pay back the online loan if I can't withdraw it?

If the online loan cannot be withdrawn from the wallet, then the user has no fact of borrowing, and there is no need to repay at this time.

This kind of lending method is generally an informal online lending practice. Formal online loans are directly lent to users' bank cards, and there is no second withdrawal.

If the loan cannot be withdrawn from the wallet, and the institution needs the user to pay extra to withdraw the loan, then the user can refuse.

Users try to apply for formal online loan products, and the risk of applying for informal products is relatively high.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of 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 sub-category of the Internet finance (ITFIN) 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.

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.

By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. 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.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by the Contract Law, General Principles of Civil Law and other laws and regulations as well as relevant judicial interpretations in the Supreme People's Court.

Network micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should abide by the existing regulations of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission.

In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders.

In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peer to peer, which means "person to person".