If the loan treasure is overdue, it will be penalized first. If the arrears are overdue for more than 3 days, the interest rate will be raised and the interest and penalty will be paid more. Secondly, we have to pay the overdue management fee. The basic overdue management fee is charged for more than 3 days overdue, and the special overdue management fee is charged for more than 30 days overdue.

Second, suffering from various means of collection.

In addition, overdue loans will be collected in various ways. On the first day of overdue, Lending Bao will generally call the borrower for collection; On the twentieth day, a lawyer's letter will be sent to the borrower to file a lawsuit; After 30 days, overdue records will be uploaded to the lending platform.

Third, the credit report

If the overdue period is serious, the borrower's bad repayment record will be uploaded to the credit information system, which will affect the purchase of a car and a house, and even the bank card and credit card cannot be processed.

Beijing, 20 16, 10, 14. According to the economic voice "Everyday 3 15", many investors reported to the column group "Everyday 3 15" that the lending platform's function of "earning spreads". Lending treasures that focus on "borrowing by acquaintances" have been pushed to the forefront of public opinion again because of the "naked strip" storm. As early as 2065438+February 2006, when Lending Bao completed the financing, the Beijing News reported that borrowers who used Lending Bao found strangers to borrow money in the post bar because they could not borrow money from acquaintances. The "naked strip" storm that broke out in June was the outbreak of "acquaintance lending" promoted by borrowing treasure into "usury" by strangers. Lending treasure as a platform does not guarantee the credibility of borrowers. The view of "unfamiliar and not borrowing" also gives users the risk of lending. Lending Bao also set up a loan urging company to provide one-stop service. Acquaintance loans have been questioned as pyramid schemes, and radical marketing methods have been controversial, and the "naked strip" incident of campus loans has pushed it to the forefront. Some commentators believe that strengthening the supervision of the campus consumer finance market can no longer wait. The campus online loan platform should be forced to clearly state the risks and clarify the platform responsibilities.