What does the list of malicious evasion of debts mean?

With the continuous development of internet finance, people's borrowing methods have changed a lot. Many young people will consider borrowing through online lending platforms when they encounter financial difficulties. The emergence of online lending platform has provided more convenience for everyone, but it has also caused many adverse effects.

Since 2065438+June 2008, the internet financial platform has been overdue, exploded or liquidated, which makes some borrowers think that they don't have to pay back the money when the platform closes down, so many borrowers deliberately evade the platform collection and default repayment, which leads to the problem of malicious evasion of debts.

The borrower's malicious evasion of debts will harm the interests of investors. Therefore, the China Internet Finance Association and the local leading group for special rectification of financial risks have issued statements, saying that they will severely crack down on malicious debt evasion. The Leading Group for Special Remediation of Internet Financial Risks requires the online lending platform to report a list of borrowers who maliciously evade debts, including the borrower's name, the amount owed, and whether they have lost contact. To put it simply, the list of malicious evasion of debts is a list of borrowers who have the ability to repay, but deliberately evade debts and fail to fulfill their repayment obligations because of the closure of online lending platforms.

Malicious evasion of debts will have the following adverse consequences:

1, credit is damaged. If the borrower refuses to repay the loan after applying for online loan because the online loan platform closes down, then the borrower will be considered as maliciously evading the debt, and then the online loan platform will report the borrower's information to the central bank's credit information system. If personal credit information has a bad record, it will be more difficult to handle credit information business in the future.

2. Be sued. From a legal point of view, the loan contract signed between the borrower and the lender will not be terminated because of the closure of the loan platform, so even if the platform explodes, the borrower needs to continue to perform the repayment obligation. If the borrower fails to repay the loan on time or intentionally breaches the contract, the platform can sue the borrower. The borrower's malicious arrears will not only result in overdue fees, but also be blacklisted for dishonesty.

It can be seen that the consequences of malicious evasion of debts are very serious. For the borrower, as long as there is no violation of laws and regulations on the platform, we must fulfill the repayment obligation according to the regulations after applying for the loan. Even if the online lending platform explodes, our debt can only be terminated by paying off the debt. Therefore, we must not think that the platform is closed, so as not to cause unnecessary trouble to ourselves.