Will Weibo be prosecuted for overdue loans? What if you really don't pay?

What happens when Weibo borrows money?

No matter what kind of loan, it is only one day overdue, which will not have a particularly great impact on the debtor, but if it is often overdue, the consequences will be more serious.

1. No matter how long or one day overdue, overdue records will be reported to the central bank's credit information system through Weibo, and there will be overdue bad credit records in the debtor's credit information report. If it is overdue only once, it will not have much impact on the debtor's economic activities, but if it is overdue for many times, the debtor's credit business may be greatly hindered.

2. There will be penalty interest after the deadline. If it is only one day overdue, the penalty interest will not be great, and the debtor can repay the loan and pay the penalty interest in time. If there are many overdue times and a long time, there will be a higher penalty interest, which will only make the debtor's economic pressure even greater.

1. Weibo Lending is a professional credit service product under Weibo, and its business subject is micro poly Future Technology Co., Ltd. _2]_. Weibo's loan mainly provides financial services for urban white-collar workers, self-employed individuals and young people in small towns in Weibo. The average age of users is between 25 and 45 years old, and the credit line is mainly 500-50000 yuan.

2. Personal consumption credit line. In terms of personal consumption credit line, Weibo borrowed money from Weibo users according to their Weibo activity, daily behavior, social relations, credit risk, repayment ability and other factors, and granted consumption lines ranging from 500- 100000 through big data calculation and risk control model.

3. The credit line of the company loan. On the credit line of corporate loans, Weibo borrowed money to help with loans. For the first time, the corporate account number and personal account number data of small and micro business owners in Weibo platform are included in the key evaluation dimension, and the comprehensive social performance of related accounts such as fan size, blog content quality and fan interaction willingness is analyzed, and the performance of related brands in Weibo, such as fan love, consumer feedback and positive evaluation ratio, is comprehensively evaluated as the basis for risk control. On this basis, Weibo Lending Association will comprehensively consider the enterprise qualification and store operation, and finally calculate the credit rating of these small and micro enterprises through the model, and grant the main users of small and medium-sized enterprises a credit line of 0-200,000, and the first batch of internal test users can enjoy preferential measures of 0 interest rate for 6 periods.

Does Weibo borrow money for credit investigation? What if not? -Stock market financing

Now many users in Weibo have noticed that Weibo borrowed money, which is a credit service product, mainly to provide financial services to people in need in Weibo. So, does Weibo borrow money for credit investigation? What if Weibo can't repay the loan? Let's take a look.

Weibo borrows money.

It is understood that Weibo has borrowed money for credit reporting and has established cooperative relations with the central bank's credit reporting system. Lenders' loan records, repayment records and overdue records will all be recorded in credit information, especially overdue records, which seriously affect personal credit.

For the lender, if Weibo can't repay the loan, he can apply for installment repayment. Although installment repayment requires a certain fee, it will not be overdue, which can avoid personal credit being affected. If it is really impossible to repay, you can negotiate repayment with the platform.

What are the consequences of overdue borrowing in Weibo?

Consequences of overdue loans in Weibo:

First, generate a high penalty interest. Weibo will charge an extra penalty of 0.5 ‰ per day for overdue loans. For example, 10000 will be charged liquidated damages from 5 yuan for one day overdue, and the longer the overdue period, the more liquidated damages will be generated.

Second, personal credit will be damaged. Weibo's borrowing money has been connected to the central bank's credit information system, and overdue will have an impact on users' personal credit information.

Three, affect the handling of credit loan business. Once the user's personal credit information is affected, it will be hindered to handle credit loan business in banks or real financial institutions in the future.

Fourth, it was accepted by the platform phone. At the early stage of overdue loan, Weibo will call the user himself and send a text message to urge him to repay. With the extension of overdue time, he may contact relatives and friends.

Fifth, collect money at home. If it is overdue for more than 3 months, the platform may arrange staff to go to the user's household registration or current address for home collection.

Sixth, legal prosecution. For users with a large overdue amount and long-term non-repayment, the platform can sue through legal channels and forcibly recover the money.

What happens when Weibo borrows money? These are the consequences of not paying back!

; ? Recently, there are many overdue people on the online lending platform, many of whom borrowed money from Weibo. A friend had the idea that loans overdue wouldn't pay it back, so he asked Weibo what would happen if he borrowed money. Here, I want to tell you the consequences of not repaying the loan, and I hope you can dispel this idea.

Borrowing money in Weibo won't have three bad consequences. These three main negative consequences are:

1, become a credit black.

Weibo Lending is a lending platform, which will report borrowers' bad records to the Credit Bureau. Therefore, if everyone chooses not to repay the loan, it will inevitably leave a serious stain on the central bank's credit information. According to the existing regulations, if the debt is not paid off, the credit stain will always exist.

People who have borrowed money in Weibo will find it difficult to apply for loans and credit cards in the bank in the future. In addition, everyone may be rejected because of poor credit information when applying for a job.

2. Become a cyber hacker

For those who don't repay their loans, Weibo will report their information to the Internet for credit reporting, making them become cyber hackers. Once you become an online hacker, you can't apply for an online loan when you need money badly in the future.

3. Become Lao Lai

If the borrower is sued by Weibo for non-repayment, he may be included in the list of untrustworthy persons by the court. In the future, the food, clothing, housing and transportation of faithless people will be restricted, and the education of their children will also be affected.

Above, I introduce what will happen if Weibo borrows money. Generally speaking, if you choose not to repay the loan, you will face very serious consequences and will be negatively affected all your life. If Weibo can't use the loan line, it will find the reasons from these two aspects!