He borrowed 1 0,000 yuan from Zhongyuan Consumer Finance, but did not pay it back. He said that if he didn't pay it back within three days, he would sue me for allegedly defrauding the bank. Will it?

He borrowed 1 0,000 yuan from Zhongyuan Consumer Finance, but did not pay it back. He said that if he didn't pay it back within three days, he would sue me for allegedly defrauding the bank. Will it? I'm scared. It's sheer bluff to say that you cheated the bank. Zhongyuan consumption is only an online loan company, not a bank, but it may be sued for a long time. It's true. For the purpose of illegal possession, we can learn about those who cheat banks or financial institutions, but they are generally civil lawsuits, and criminal lawsuits are rare. Don't pay it back unless you really have money. It is only natural to borrow money and pay back the money. I suggest you negotiate with them. Central Plains consumer finance is also a credit reporting, and the future is the credit reporting era.

One: the supply and demand of funds is an important issue in the industrial and commercial society, and borrowing money for change is very common in daily life. Lending in the legal sense means that a "loan contract" is established between the borrower and the borrower, and the lender transfers the ownership of the money to the borrower, and the borrower returns the same amount of money at maturity. With the increasing popularity of private lending, disputes arising from lending are particularly frequent, and legal knowledge about lending has become an indispensable tool in people's consumption life.

Two: the money in the loan contract is valid only if it is actually delivered. When the lender delivers the loan money to the borrower, it is advisable to use a check or cashier's check, and clearly state that the borrower is the payee. The contract states: "The loan amount has been delivered to the borrower by a check (or cashier's check) of RMB * * * * issued by the paying bank * * bank account number * * *." In order to avoid cash delivery without evidence.

Three. In order to ensure the safe recovery of the loan, it is best to have a reliable guarantee. Generally speaking, there are three ways to guarantee loans:

1. Get a mortgage. The borrower provides real estate, sets priority property rights for the lender, and goes to the Land Bureau for mortgage registration.

2. Get the pledge. Borrowers use movable property or rights (such as pearls and antiques; Stocks, corporate bonds, etc. ) as a guarantee for the lender.

3. Find a joint guarantor. The contract states that "the joint guarantors jointly guarantee that the borrower will earnestly perform the provisions of the loan contract", and the joint guarantors personally sign and seal the contract.

Fourth, the interest rate of private lending should be managed more transparently. To standardize this kind of private lending, we should fully consider the lending demand and incorporate it into our effective management methods, which can fluctuate according to the requirements of the lender's qualification level, and use some market competition to promote the development of lending norms.