What if overdue loans are prosecuted?

If a small amount of loans overdue is sued, the defendant can withdraw the lawsuit by returning the loan; If the defendant is temporarily unable to repay, he can take the initiative to communicate with the prosecutor and reach an installment repayment agreement or other repayment methods, so as to make the prosecutor withdraw the lawsuit; When the defendant organizes mediation in the court, he can try to reach a mediation agreement with the procuratorate and close the case through mediation.

1. Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 6,543,800 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. There are also personal micro-loans for office workers, generally ranging from 1 1,000-50,000 yuan. Most of them don't need mortgage, but the credit and information review is strict.

2.2065438+On September 6, 2008, the Ministry of Finance of China and State Taxation Administration of The People's Republic of China issued a notice, clarifying that the interest income obtained by financial institutions in granting small loans to small enterprises, micro-enterprises and individual industrial and commercial households is exempt from value-added tax.

Thirdly, from the international popular point of view, microfinance refers to small and continuous credit services for low-income groups and micro-enterprises. Its basic characteristics are small amount, no guarantee, no mortgage and serving the poor. Microfinance can be provided by formal financial institutions and specialized microfinance institutions or organizations. Microfinance organizations can be divided into two categories according to the characteristics of their business operations: commercial and welfare, also known as institutional and welfare. The former emphasizes the institutional sustainability of microfinance management and target design, represented by the People's Bank of Indonesia. The latter pays more attention to the role of the project in improving the economic and social welfare of the poor, represented by Bangladesh Rural Bank.

Fourth, many enterprises stand out in microfinance. For example, Ziqing Finance is one of the leaders in the comprehensive P2P field, which integrates wealth management, credit risk assessment and management, credit data integration services, micro-loan industry investment, micro-loan consulting services and transaction promotion, providing customers with all-round and personalized inclusive financial and wealth management services. Yibaotong focuses on capital lending in the field of construction engineering, providing comprehensive network services for small and medium-sized enterprises to start businesses, finance business funds and personal consumption loans.

The fifth is to build the fastest financing platform for small and micro enterprises and private capital, actively explore the best way in the field of debt financing, and strive to build a high-speed, effective and legal peer-to-peer lending platform with characteristics. Lenders and borrowers will pair up independently to solve the most urgent loan and financing problems for individuals and small and medium-sized enterprises in China. Solving the problem of the poor is a great difficulty for most countries in the world, because all kinds of social problems caused by poverty will lead to the turmoil of the whole country. By improving the economic situation of low-income people, microfinance can greatly increase the effective demand of the whole society and promote social investment and production and national economic development.