You and I owe 3000 yuan, but you can't still say that you should send a household registration book to the local village Committee, can you?

It's possible. In the face of the short message that the village Committee where your household registration is located wants to investigate, you can completely ignore it. Of course, if someone really goes to your place of residence to collect you violently, you must collect evidence in time and report the case to the public security organ. In fact, the collection staff sent such a short message to make you pay back the money. This collection is only a means, not an end. Therefore, in the face of this kind of collection, we must not panic and scare ourselves. First of all, we should have a correct attitude and explain the current situation to each other. Of course, people won't listen, but it's our fault that we owe money, which means we must pay it back. But at present, we really can't pay it back, so we can only pay it back slowly. This is their right, but it must be within the scope of law.

I can tell you clearly here that these are all tricks to force you to submit:

First, neither banks nor collection agencies have the right to investigate all our personal information, and they have no law enforcement power. Of course, the collection has the right to go to the door to verify, but it only finds its own rights and has no right to disclose the debtor's arrears information to the village Committee and the community.

Second, the village committee and the community have no right and obligation to cooperate with the collectors to conduct similar investigations.

Third, Article 18 of the Internet Overdue Convention clearly stipulates that the debtor's debt information shall not be disclosed to a third party.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.