The online loan was overdue and said that I would freeze my assets.

Generally, such short messages are generally fake.

After loans overdue, you will often receive various collection messages, which can be said to be varied. Collectors often try to scare borrowers, which also puts a lot of pressure on many borrowers, because many people have no resistance to such news.

The reason is also very simple, except the court, no one has the right to freeze your bank card passbook and other accounts. Under what circumstances will these bank card accounts be frozen? Adults have some debt disputes, and then sue to the court, and the court decides to repay. However, the debtor refused to repay and was applied for compulsory execution. Only at this stage can the bank account in his name be frozen. This is the most basic common sense.

investment risk

Qualification risk

Online lending is different from financial institutions. Financial institutions are managed by "net capital". Banks and trust companies must have their own registered capital, ranging from several hundred million to more than one billion or even billions. Moreover, registered capital is not used for doing business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not yet issued guidance, and platform software can be bought from thousands to tens of thousands. Many people who owe a lot in private lending have bought platform virtual borrowers and virtual mortgages to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.

Managing risk

Peer-to-peer lending seems simple, but it is actually a more complicated model than financial institutions such as banks. P2P online lending is a new industry and an innovative model of the financial industry. Its development process is only a few years, and the market has not yet reached a mature stage. Many investors and borrowers do not treat this kind of financial products correctly, but blindly pursue high returns, while those who need funds are eager to cash out. As an online loan company itself, because the original intention of its establishment is only to make profits, its organizational structure lacks professional credit risk management personnel, and it is difficult to grasp and deal with the problems in the operation of the platform, resulting in a large number of bad debts, and finally it can only close down.

Capital risk

Paying attention to a P2P online lending platform is also crucial for investors' capital flow. Many online lending platforms not only do not use third-party fund management platforms, but also can use investors' funds. In particular, some online lending platform bosses borrow tens of millions from the platform for their own operations, so as to realize self-borrowing and self-use. The risks are not controlled by anyone and are not borne by anyone. The huge financial risk hidden behind it can only fall on investors, which is why many platforms can run away. At present, the safest way is to put investors' funds on the third-party payment platform for supervision. As a platform, the use of investors' funds should be strictly controlled. Only in this way can we increase the protection of investors' funds.

technical risk

The progress of information technology often leads to new and more forms of security threats. With the vigorous development of the online loan industry, most platforms purchase templates, which cannot be fully mature and perfect during technical transformation, and there are security risks. Platform owners do not attach importance to technology, preferring to spend hundreds of thousands on marketing rather than technology, which greatly affects the stability of computer system operation. The existence of technical loopholes leads to the constant risk of malicious attacks. Such as computer hackers, attacking platforms, modifying investors' account funds, virtual recharge, real cash withdrawal and so on. In particular, because online lending is a new business, relevant laws and regulations are very scarce, and hackers frequently attack and threaten the platform, which seriously affects the stable operation of the platform.