"By skill borrowed money, why should return " this is the net borrows Laolai people credo. Nevertheless, on October 18 the Central Bank announces first network ill will of leasehold platform borrower escapes after useless debt information brings into the Central Bank to impose letter system, laolai people the day is afraid no longer so relaxed.
Bencina enters the system that sign a letter, show the country is being built eventually break one's promise of chasten mechanism respect fell real hammer into shape. This will conduce to supervise and urge borrower repays in time the debt, credit environment that purifies Internet finance, will conduce to be on guard dissolve a net to shift platform risk, build and perfect Internet credit system.
Center Mom is dissatisfactory, consequence is very serious
Once because cruel development and individual ask for a letter to be short of,the net shifts an industry break, leasehold, ill will cheats bull to borrow and escape the circumstance of useless debt, because the net is borrowed,was not brought into all the time individual ask forring believes a system, break one's promise punish sb to teach him a lesson is hard, have partial borrower secure in the knowledge that one has strong backing more, become a profession to often go back on his word. The near future, the net borrows the ill will of concussion period to anticipate, aggravate the outbreak of industry risk, jeopardized a society badly also sincere letter.
"Partial loan popular feeling is put fluky, think catenary of P2P platform capital ruptures close down to be able to escape reimbursement is compulsory. But actually, platform closes down and do not mean creditor's rights and the die out that debt concerns. Escape to ill will useless debt breaks his promise the punish that the person has a few sides that give a letter, conduce to supervise and urge they remand as soon as possible loan. " the personage expresses related the Central Bank, the net borrows borrower ill will to escape useless debt information brings into the system that sign a letter, be helpful for mastering borrower risk state in the round, build break one's promise chasten mechanism. In the meantime, compare judicatory program, break one's promise chasten system can realize a risk to be on guard col reach.
Bring into Central Bank individual to impose letter system, receive to many 3900 put borrow an orgnaization to be offerred lawfully add up to the inquiry service of compasses and demur processing channel, this means first P2P ill will to escape if the borrower in useless debt information wants from above these financial orgnaizations obtain loan to will be affected. Escape to a few ill will the borrower of useless debt, will restrict him the following all sorts of financing channel, include a net to borrow, the car is borrowed, the individual consumes loan.
This also will evolve to grow effect mechanism into gradually, it is to bring into the system that sign a letter not only, also can push to synchronism of credit China database send. "The borrower that if P2P platform ill will escapes,abandons debt all the time not the word of reimbursement, enter judicatory order possibly still, become even break his promise to be carried out person, give each side that to its the society lives for example travel, leave the country, the generation such as consumption is affected badly, cost nots allow small inspect. " the personage inside course of study expresses.
Besides brought into 100 systems that sign a letter, the net borrows borrower ill will to escape the one part that useless debt information still will make the special attention list that the near future asks for a letter 100 rows to will be rolled out, 241 orgnaizations that make an appointment with for already was being signed (include P2P, network small borrow bank of company, consumptive banking firm, Internet, financing to rent company, financing to assure the company) convenient inquiry. Letters of 100 travel ask forring will make an appointment with an orgnaization to provide the inquiry service of 4 kinds of means for the autograph, include interface inquiry, webpage inquiry, mail inquiry, phone inquiry. In addition, have a story, early days asked for a letter 100 rows to had completed relevant preparation and test work, predict this year the bottom provides the relevant service that sign a letter to the individual.
"Borrower carries the credit report that inquires his, can know whether oneself is in this list. If disagree, can ask for letter or people bank to ask for letter center to put forward to 100, handle a program to safeguard his legitimate rights and interests through demur. Can promote borrower to repay in time better so debt, protect the legitimate rights and interests of P2P platform lender. " 100 afore-mentioned controller that sign a letter express.
The net borrows industry and Laolai people struggle continuously
At present exclusive hold individual solicits country the orgnaization that believes license plate signs a letter 100 rows is an industry to overcome information share and the comprehensive sex of information masters insufficient inadequacy, in order to break island of trade news Gu, the mechanism that strikes Laolai builds one of measure. Abandon debt to answer the ill will that early days grows in intensity to escape, hit Laolai, the industry is acting all the time.
On August 8, about " the newspaper sends P2P platform borrower to escape the announcement of useless debt information " allot. The announcement asks " the ill will that hits borrower for severity escapes useless debt behavior, ask the information that each district masters according to early days, appear in the newspaper borrow ill will of this second risk incident to escape the borrower list of useless debt, next countrywide punish run the will harmonious management department that sign a letter will afore-mentioned escaping useless debt information brings into the system that sign a letter and credit China database, right relevant escape person of useless debt behavior is formed restrict. " inside short time, to on August 16, accumulative total already had 116 P2P platform to publish Laolai list. From the point of the information that feedbacks with all possible means, the exceed the time limit of partial platform is small loan person had begun to return money.
Passed to be less than two weeks merely, on August 19, " good about be being done further net borrows an industry to break one's promise the announcement that chasten concerns the job " allot (" chasten informs " ) . Basically include content of extent of the following tripartite, collect namely, announcement and newspaper send, make specific provision to relevant provision. " chasten informs " it is to superintend a first time to make clear a net to borrow " Laolai " network of standard, support is borrowed demand repayment publicly, be helpful for hitting a net to borrow industry ill will to break one's promise behavior, it is work up, perfect net borrows a domain to break one's promise the another pace that chasten mechanism steps.
Association of banking of each district Internet cooperates actively also to launch the operation. Net of association of Shanghai Internet banking borrows a member to publish autonomic statement jointly, claim to will be advanced escape useless debt blacklist shares a mechanism; Guild of Beijing Internet finance releases a net to borrow an industry to build social credit system to combine statement in all, express will abandon debt behavior person to be found out after all to escaping jointly with investor, act includes to be adopted in entire industry restrict measure, cooperate a judiciary to adopt all legal measures and technology to begin creditor's rights Qing Dynasty to close, recover creditor's rights to wait. Association of banking of Shenzhen city Internet was released " the announce that about supervising and urge P2P platform borrower fulfils reimbursement obligation actively " , 9 exceed the time limit were announced to fulfill the individual borrower of reimbursement obligation after desensitization is handled.
In break one's promise below the encouragement that chasten mechanism builds, believe platform of follow-up each district still will report new ill will to escape in succession useless debt net borrows borrower list, complement perfects pertinent information, person of behavior of useless to escaping debt is formed further restrict.
100 travel ask forring believe relevant controller to also point out, next, letters of 100 travel ask forring are returned will escape to P2P platform borrower ceaselessly useless debt information has complement, perfect and update, make sure ill will escapes the accuracy of useless debt information, protect the legitimate rights and interests of borrower. 100 ask for a letter to following P2P platform arrange with in order, in bringing into P2P platform information 100 systems that sign a letter stage by stage.
Be in yesterday, punish of gold of Beijing each other does release blow net to borrow ill will to break one's promise the announcement of behavior. Announcement points out: No matter the net borrows platform whether normal operation, the concern of creditor's rights liability with borrower and legitimate investor all is protected by law, won't break because of the net borrows platform to whether close down and destroying. Ask each net to borrow platform borrower to fulfil reimbursement obligation actively, ensure each square legitimate rights and interests. Escape to ill will the net of useless debt borrows platform to break one's promise borrower information will bring into the system that sign a letter, give through the website fair show. Each net borrows platform to want cogent bear main body responsibility, strengthen a risk to prevent control capacity, collective blow escapes useless debt behavior, help lender is chased after incur debt, safeguard investor to close right increase. Severe blow runs the road breaks couplet to wait break one's promise behavior.
The net borrows Laolai to be able to rest!
