Will someone really come to collect after the online loan is in arrears?

If the amount owed is around1-2,000, in general, the collection will not come to the door, because the cost of home collection may not be comparable to the cost of collection, and it may be greater than the amount owed. Online lending platforms often negotiate repayment by telephone or SMS collection.

If the amount owed is too large, you refuse to communicate with the platform, and the collection may come to your door. Under normal circumstances, door-to-door collection is the worst case of online loan arrears.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.

Processing flow of online loan arrears

At the early stage of overdue, online lending companies will adopt more moderate means to communicate with lenders through SMS and telephone to discuss repayment matters. At this time, we must not ignore it. We must keep good communication. Maybe in the process of communication, we will apply for repayment concessions for you, such as interest reduction.

Some friends may refuse to communicate with the platform: the mobile phone is lost and the platform notice is ignored. In this way, the platform may think that you refuse to repay the loan, which may lead to the following consequences: telephone calls, SMS bombings, address book explosions, and harassment of family members.

In the late period of overdue, due to too much debt, communication is fruitless, the relationship is close to breaking down or has broken down, and it is possible to make a dunning call.

Incorporate credit information

2065438+0818129 October, the information of the borrowers of the first batch of peer-to-peer lending platforms who maliciously evaded debts was incorporated into the central bank's credit information system, and they were punished for breach of trust, involving a total overdue amount of nearly 200 million yuan. The so-called malicious evasion of debts refers to the act of being able to repay, but not fulfilling the obligation to repay. Since the development of online lending 10 years ago, malicious evasion of debts has always been a chronic disease in the industry. Especially recently, some P2P online lending institutions have frequent risks, and some borrowers have taken the opportunity to maliciously evade debts and fail to pay them back within the time limit, which has aggravated the risks in the P2P online lending industry. The insiders believe that it is not only conducive to urging borrowers to repay their debts in time, but also conducive to purifying the internet financial environment by incorporating the information of malicious debt evasion in the internet finance field into the credit information system and taking measures to punish dishonesty. With the gradual implementation of the regulatory policies of the entire online lending industry, the situation of malicious evasion of debts and malicious running of the platform will be greatly reduced, and the online lending industry will develop more healthily.