Is it normal for the borrower to go to our account for review?

If it is not normal, keep your account password, don't tell others easily, and protect your account and property.

Users can enter IOUs in the loan book and fill in the amount, time and interest rate to generate a standard electronic loan contract. The repayment time, repayment method and liability for breach of contract are stipulated in the contract. There are strict regulations to avoid the contract being invalid due to unclear terms in the future, and the two sides will fall into a verbal dispute. At the same time, electronic loan contracts support signing in different places, which can effectively improve the efficiency of both borrowers and borrowers.

Before the loan contract expires, the system will automatically remind the borrower to repay by phone or SMS to avoid the borrower's unconscious breach of contract, improve the performance rate and make the lender feel more at ease.

Now in addition to the loan contract approved by the court, Lending Bao will also issue a guarantee contract. Each debtor is required to provide a guarantor with corresponding performance ability when Lending Bao initiates the loan demand, and sign a guarantee contract with him. When the debtor fails to perform the contract at maturity, the creditor has the right to recover from the debtor and the guarantor.

If the risk of default by the debtor alone is 65,438+00% and the risk of default by the guarantor alone is 65,438+00%, then when the debtor borrows money, the default risks of both are 65,438+0%. In this way, from the data point of view, the risk of creditor default can be effectively reduced.

Increasing the guarantee can also improve the success rate of post-loan management. The guarantor is usually a close relative or close friend of the debtor, who is familiar with the debtor's situation and can provide reliable clues for collection, litigation and execution.

Lending Bao has done big data analysis on the default rate of users in the platform. According to statistics, the more developed the economy, the lower the default rate of users, such as the Yangtze River Delta and the Pearl River Delta. The more depressed the economy is, the higher the default rate of users is.

It is not surprising to get such data. The more developed the business in a place, the more people pay attention to credit. On the contrary, the less attention is paid to credit.

Lending treasure to upgrade the guarantee function can actively improve the debtor's performance rate, repair the relationship between relatives and friends, and also promote social integrity.

In recent years, private lending has played an important role in alleviating the financing difficulties of small and medium-sized enterprises and promoting economic development. However, due to the epidemic situation and international factors, there are also problems such as frequent defaults.

It is reported that the lending treasure of financial technology institutions will upgrade the guarantee function, and creditors can ask debtors to add guarantors when borrowing money, and sign electronic guarantee contracts to increase the guarantee for creditors.

According to the analysis of senior lawyers in this field: "In fact, most debtors' default can be prevented, and creditors need to be more cautious. With the enhancement of people's legal awareness, although many creditors will ask debtors to issue IOUs when they borrow money, the IOUs are not standardized in fact, and it is easy to leave an opportunity for debtors who intentionally breach the contract. In this case, if you go to court for prosecution, you will often be unable to win the lawsuit and safeguard your rights and interests because of incomplete evidence. "

For ordinary users, due to lack of legal knowledge, it will take a lot of energy to draw up a legal and compliant loan contract. And in many cases, if both parties need to borrow money from different places, after drafting the contract, they need to mail it and sign it before sending it back. The process is cumbersome, wasting time, and there are hidden dangers such as loss and modification.

At the same time, private lending cannot strictly control the risks of debtors. Creditors often lend out of consideration for the debtor's character and morality. In fact, it is impossible to monitor the whereabouts of the debtor's funds, and there is no guarantee that he will repay the principal and interest on time.

In order to prevent and resolve the risks of private lending, we have a lending treasure that can provide standardized electronic IOUs, and upgraded the guarantee function.