Without this loan, will the loan in mind become a kind of debt evasion?

You Xin's loan will also become a debt evasion. You Xin's company has been connected to the central bank's credit information system. Once the loan of Youxin is overdue, there will be overdue bad credit records uploaded to the personal credit report, which will cause credit stains to individuals, affect the handling of credit business and have a negative impact on themselves.

First of all, the hazards of peer-to-peer lending are as follows:

1, unsecured, high interest rate, high risk. Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

2. Credit risk. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

3. Lack of effective supervision means Because online lending is a new type of financing means, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

4. The rates of some online lending platforms are not clearly marked, and the expressions such as handling fees, overdue fees and liquidated damages are hidden. , may tightly lock the loan students. Once the repayment is overdue, it is likely to be difficult to bear the loss of funds, triggering a credit crisis of over-consumption.

5. Once the payment is overdue, it will affect the individual's personal credit information in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected. In addition, once these small online lending companies change, private information such as ID cards also have hidden dangers.

Second, remind consumers:

1, live within our means and consume rationally. In daily life, we should establish a correct consumption concept, develop good consumption habits, avoid blind consumption, advanced consumption and conspicuous consumption, and put an end to the psychology of comparison.

2. Borrow reasonably and choose formal financial institutions to obtain loans. Fully understand that loans cannot be divorced from their own affordability, and avoid falling into unreasonable loan cycles such as "supporting loans with loans" and "multi-borrowing". Students should use lending tools carefully, never participate in illegal peer-to-peer lending, and choose formal financial institutions to obtain campus financial services.

3. Respond positively and solve the repayment difficulties rationally. If you borrow a bad "campus loan" or encounter violent collection, you should immediately ask the school and your family for help or call the police. Don't fall into the vicious circle of "repaying loans with loans" because you are afraid or embarrassed to say it, giving criminals an opportunity.