The format is as shown in the figure. We will also talk about laws and regulations

For overdue payments, there will not only be a late payment penalty of 5% for the minimum unpaid portion (minimum 10 yuan), but also penalty interest on the full amount of the bill (50% daily interest, interest will be calculated starting from the day of consumption, monthly The accrual of interest until the principal and interest are repaid) will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, which will affect your application for credit cards and bank loans within 2 years. If you are overdue for more than three months or fail to repay more than two reminders from the bank, the bank will freeze your deposits and list you as a prohibited customer (blacklist). At the same time, you may be sued for loan fraud, and the court will enforce it.

Article 196 of the Criminal Law stipulates that whoever engages in loan fraud activities and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other If the circumstances are serious, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years, and shall also be sentenced to a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation may be imposed.