What should I do if I always receive reminder messages from others?

You can directly block the collection text messages or follow the guidelines and contact the platform official to explain that you are not the borrower and cannot contact the borrower. As long as you explain the situation clearly, the collection platform will generally not send it again. If the harassment continues, you can file a complaint.

Overdue loans are also called "overdue loans" or "overdue loans." Refers to the portion of the loan that has not yet been repaid within the repayment period stipulated in the contract. From the overdue date, transfer it to the overdue loan account, and indicate the words "Overdue Loan" at the beginning of the loan account.

In order to urge loan units to repay overdue loans as soon as possible, 20% of the interest will be charged on the overdue portion. The national loan regulations stipulate that if the principal and interest cannot be repaid on time, the retained basic depreciation fund, enterprise fund or profits will be used. The profits are retained and returned, and no costs, taxes, or profits are allowed.

According to the relevant provisions of the Contract Law, the borrower's failure to repay the loan within the time limit stipulated in the loan contract is a breach of contract and shall bear liability for breach of contract. The ways to assume liability for breach of contract include returning the principal of the loan, paying interest during the loan period stipulated in the contract, and paying interest on the overdue portion of the loan.

As for the return of the loan principal and the payment of interest during the loan period as stipulated in the contract, there is generally no dispute as the parties have clearly agreed in the loan contract; for the interest on the overdue portion of the loan, the borrower should pay and pay according to what standards When it comes to the end, not only are there huge disputes between the parties, but the standards applied by judges when deciding such cases are also inconsistent, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone can have a unified understanding.

The funds invested by banks in such loans may or may not be recovered in the future. The possibility of suffering losses is extremely high, and commercial banks usually charge penalty interest for this type of lending. Overdue loans are problematic assets of banks, so commercial banks should maintain higher capital reserves, with the reserve ratio generally being 50%.

The overdue loan rate is used to reflect the on-time repayment of the loan. It reflects the loan utilization efficiency and asset risk procedures from the perspective of whether the loan is repaid on time. The purpose of monitoring overdue loan rates is to encourage banks to properly handle overdue loans as quickly as possible.

If a company has loans that have not been repaid when due, it will have a negative impact on the company's credit, which will affect the company's refinancing in the entire bank credit system.