It may be comfortable now, but the future will be painful.

if god wants it to perish, he must first make it crazy. Nowadays, this society encourages consumption and debt. College students have all kinds of campus loans. Perhaps many people have seen or heard that someone owes a lot of money to the bank. Why not go to jail? Such an abnormal fact can't be justified. Instead of being punished, the wicked jumped out to show off the so-called "making something out of nothing" and were proud of not paying back their debts. What's wrong with it!

there are two main reasons for this phenomenon: first, it is difficult to enforce the law, and it takes time and cost to execute judicial procedures.

credit cards that are overdue by hundreds of thousands (let's just say that they are all credit cards) are generally owed by multiple cards. After all, there are few local tyrants with hundreds of thousands of cards. This has led to a problem. Hundreds of thousands seem to be a lot, but it is not much to be shared with each bank. For example, Xiao Zhang owes the bank 3, credit cards and fails to pay them back. Xiao Zhang has 8 cards with different amounts. On average, each card is 37,5, which is less than 4, yuan. Suppose he is 41,. According to the criminal law and the judicial interpretation of the Supreme Law, if it is overdue for three months in a row, it can constitute a "credit card fraud crime", and the amount of 4, belongs to.

Ideally, Xiao Zhang should go in and squat, but the actual situation is not that simple.

difficulty 1, no one can be found! These lazy people also know the number of ways to collect money. When the bank handles the card, because of legal compliance, it can't guide the customer's address book. When it handles the card, it leaves two phone numbers. If it is determined to make a hole in the bank to be a lazy one, there is no such thing as a black account, a list of broken promises and a friend's face in these people's hearts. As soon as the phone card is changed, the related people are clear, and the bank can only be silent, until three months later, it can only be classified as bad debts.

Maybe everyone will ask, then why not call the police? Are the police vegetarians? In fact, banks are more anxious than anyone else, but banks should also consider the cost and feasibility. After three months' overdue, the legal department of banks will entrust lawyers to report cases, file cases and subpoenas, and it will take time. It is also necessary to consider the cost-effectiveness ratio of the recovered money and the money spent, and it is also necessary to queue up (after all, the situation is more serious than that of Xiao Zhang or there are many people who came first). At the same time, the cross-regional law enforcement linkage mechanism is not so clearly established (although it has been improved a lot now), especially this kind of finance. The concealment is relatively large, and the division of responsibilities is difficult to be clear. For example, Xiao Zhang ran a card in Guangzhou, fled back to the mountains of his hometown in Guizhou, and the police on both sides cooperated. It is not clear for a while. Therefore, the attitude of the bank is to communicate online as much as possible, and try not to go to court without going to court. Second, the problem of overdue sources of funds.

some people say that they owe hundreds of thousands to the bank, but they don't necessarily owe it to the bank. Maybe they don't even know who they owe it to. Some online loans are funded by p2p, not banks at all. These loans have high interest rates, various fees, and no access to credit reporting agencies. The signed contracts are useless in nature. Once overdue, at most, they are frantically collected by collection agencies from outside. As for calling the police to file a case and sending people to catch them, they are even more untenable, which greatly encourages the arrogance of these lazy people.

So, is there no rule of law?

I saw many young people who took the money from online loans and credit cards to speculate in various foreign currencies and currencies at the age of 27.28, and ended up losing money in a big way. They also called me, and I found that they all had one characteristic:

Overestimating their abilities and underestimating their desires.

even if the pace of legal punishment is slow, it will come after all! Even with a few exceptions, justice is absent, so what? As long as you are alive, you can't escape, and punishment will retaliate in another, more painful form. For the rest of my life, I will spend my life avoiding these hundreds of thousands of people and living like a mouse, so my family will be humiliated. I can pretend that I don't care, and my relatives will always be worried. My children's education will always be necessary. One day, the children ask my father why you can't help me pay my tuition with my card. You can't say that you are old and lazy. Then the children ask what is old and lazy, and then you can explain it to Baidu. It's difficult to make money at once, but it's not difficult to have a better and responsible attitude, is it? If I still brag shamelessly to this extent, then I can only pray that someone will kill the people!