Generally speaking, it must be returned, but there will be exceptions!
As you said, what kind of escape is this?
When the platform goes bankrupt, another platform may take over, or the government may take over.
Even if the platform goes bankrupt, your debt relationship with the platform still exists. The closed platform may not be able to collect it again, but the lender can fully recover the money by virtue of the debt contract. Because your money is also lent to you by others, the platform is just a middleman. Just like ants borrow money, the money you borrow from Alipay is actually lent to you by which bank. If Alipay runs away, there may be a bank directly asking you to pay back the money.
If you save money in Alipay, you can get it back when Alipay runs away. For example, Yu 'ebao's money is in the money fund. Even if Alipay runs away, the money fund is supervised by the state, and the risk deposit is paid, so there is no need to bear the problem of running away.
There are still a few points you must pay attention to! Whether your loan platform is linked to credit information, if it is linked, the money you owe will not be returned, which has a great impact.
First: If you get the credit report, it will also have a bad influence on your credit. A bad personal credit is equal to a black account, which will cause a lot of trouble in the future.
Second, once you have a credit report, you can't borrow money on other platforms.
Third, go to court. Whether the platform closes down or not will not affect the debt relationship between you, that is to say, as long as there is a loan agreement, the arrears should be repaid in full and on time. If not, the lender can ask for the arrears through litigation or online arbitration.
So, don't feel lucky not to pay back the money just because the platform has closed down!
However, the platform has closed down. Who should we return the money to?
First of all, why these platforms closed down can be divided into four situations.
1, the platform was taken over by other platforms, that is, the boss was changed. This situation shows that the platform was swallowed up by other platforms just because of a small problem, and you have to return it. After taking over, the platform can resume operation immediately. If the borrower fails to repay the loan on time, he will be notified. At this time, if he defaults, he will still be collected. If the situation is not good, he may be blacklisted and prosecuted.
2. If the platform fails to receive money and goes bankrupt after serious violations, this situation does not mean that it is not necessary to pay back the money. We know that the funds released by the online lending platform mainly come from investors, self-operated funds, shareholders, banks and other financial institutions. Therefore, no matter where the funds come from, your loan has a source, that is, you can find your debtor, and you still have to pay off the creditors' debts from you. Even if the funds come from ordinary investors, the court or the economic investigation will recover the debts from you on their behalf.
3. Require platform rectification. Although this time is a little lighter than the last time, it is also related to the company's financial problems and will not affect the repayment problem. They still collect it,
If it is because the usury on the platform has been rectified, you can apply for a loan interest of more than 36%, or negotiate a figure acceptable to both parties to repay it.
4, the boss ran away, the victim called the police to take over the case, and when the boss caught it back, the court would try and deal with the creditor's rights relationship!
So what is the situation of not paying back the money? It is a real illegal usury company. They get improper benefits through private equity funds, and within a reasonable range, the money you pay back is enough, and you don't have to pay back the rest, or the boss runs away and loses data, and the boss gang directly admits the crime and bears all the debts.
In short, you should pay back the money you owe, but you don't have to pay back the unreasonable money. You need to be careful when borrowing money. Don't take such a risk!
Legal or repayable, illegal usury can be exempted.
Not necessarily/possibly
That would be so lucky! I think I found another good way to go to bonus hunter!
That's definitely not true.
That depends on whether you can insist on going to the online loan platform to close down, whether he closes down first or you are heavily in debt first. Don't take such chances. The ability of the platform to collect debts is unimaginable.
It is not clear what will happen if you owe money.
If this platform is illegal, it will be sanctioned by laws and regulations.
People like me who voted for P2P have lost all their money and jumped off the building.