1, the virtual nature of online transactions makes it impossible to authenticate the credit status of both borrowers and borrowers, which is prone to fraud and default disputes of non-repayment of debts.
2. It is harmful to issue online credit in the name of loan companies and financing companies in a large amount of lender information released by online platforms, but in fact, only financial institutions recognized by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization are often held liable for illegally raising funds and absorbing public deposits to disrupt the financial management order.
3. Lending loans on behalf of the network platform, the network platform is negligent in self-discipline, the internal control procedures are invalid or used, and it is possible to fabricate loan information to raise improper funds.
4. The exchange rate of some online lending platforms is not clearly marked, and the performance of handling fees, overdue fees and liquidated damages is hidden to a certain extent, which may lock up loan students and make them overdue, making it difficult for college students to bear the loss of funds and triggering a credit crisis of exceeding consumption.
The people's bank of China levied a stain
At present, most online lending platforms have not accessed PBOC collection system, but accessing PBOC collection system has become an inevitable trend. In the future, due to overdue bank loans and credit cards, loans overdue, the online lending platform, will be recorded in the PBOC collection system, resulting in credit stain. If the previous result is only that his face is washed clean, then the stain caused by the collection will affect his real life. He can't borrow money if he wants to buy a house or buy a car.
Facing the crisis of national trust
Now the online lending platform has established a blacklist system, and the blacklisted platforms have begun to communicate with each other. It is very difficult to borrow money on a platform before the maturity date. In addition, the online lending platform has made the blacklist public through its own WeChat, Weibo and other online channels, and made the big plans of stations and airports public, so that people all over the country can know that these laolai can't pay their debts! Of course, ordinary borrowers will not take this step except those who borrow maliciously.