What do you think after the replacement of Jiufu's creditor's rights?

The new service launched by CreditEase is to exchange creditor's rights for the right to return the assets in the hands of the lender again. The only point is that the creditor's rights exchanged by the lender this time are no longer the original creditor's rights corresponding to many borrowers and scattered all over the country, but the complete creditor's rights concentrated in a certain region.

Let's look at the first advantage-operability. Solved the lender's "card" problem. In previous articles, the author repeatedly emphasized that the complete creditor's rights are the lender's "card". With a complete creditor's right, lenders don't have to worry about the platform LA or nobody cares after bankruptcy, and wait passively for a long time. Regardless of the status of the platform, lenders can wait as long as they want. If you don't want to wait, you can take the initiative to contact the borrower to negotiate repayment, or file a lawsuit against the borrower to apply for compulsory execution, which completely grasps the initiative.

Not only that, after getting back the complete creditor's rights, creditors and litigants are unified at the judicial level. If the lender sues himself in court, the court can no longer reject it on the grounds that "the online lending platform is not a creditor".

After the first point, let's talk about the third one-territory, because these two points are actually the most closely related. "Fitness" solves the problem of "playing cards" and "site" solves the problem of "how to play cards".

As mentioned above, the last step for the lender to get back the money lent is legal proceedings, which involves a practical problem, where to sue-where is the efficiency? Where is the execution fast? Where is the effect good? The answer is simple, of course, in the "local" where the borrower has disposable assets or lives for a long time.

Creditor's rights replacement is one of the ways to resolve creditor's rights and debts, and its ultimate goal is to help creditors (enterprises or individuals) actively dispose of creditor's rights, resolve the creditor's rights that are difficult to achieve, and thus recover losses. Creditor's rights replacement is generally divided into two types, one is conventional creditor's rights replacement, and the other is bad creditor's rights replacement. When the debtor (debtor) is unable to repay, it will produce bad debts. There are many reasons for bad creditor's rights, such as debtor's disappearance or loss of contact, investment failure, company closure, court's "execution failure" case, default on project payment, default on payment for goods, illegal fund-raising on the Internet, and other triangular debt relationships.