1. Does the platform have reserved payment capacity: If the loan platform has sufficient reserved payment capacity before bankruptcy, the following measures can be taken to repay the loan:
A. Self-repayment: The platform may directly repay the borrower's money through its own funds.
B third party management: the platform can entrust its remaining funds to a third party for management and distribution.
2. Does the platform have a guarantee mechanism: If the loan platform has a guarantee mechanism, the borrower can obtain partial or full repayment in the following ways:
A. The guarantee company is responsible for repayment: after the platform closes down, the borrower may be liable for repayment.
B. Insurance payment: If the loan platform has purchased relevant insurance, the borrower may get corresponding payment.
3. Bankruptcy liquidation: If the loan platform fails to fulfill its repayment obligations and go through bankruptcy liquidation procedures, the borrower may face the following situations:
A. Paying off with assets: According to the bankruptcy liquidation procedure, the assets of the platform may be used to pay off debts and repay the borrower according to a certain proportion.
B. Debt transfer: The platform may sell the debt to a third party, at which time the borrower needs to repay the new creditor.
Summary:
When the loan platform goes bankrupt, the repayment method of the borrower depends on the platform's reserve capacity, guarantee mechanism and whether bankruptcy liquidation is carried out. In this case, the borrower can return the funds by himself, rely on the third party to manage the funds, obtain repayment or insurance compensation from the guarantee company, and pay off the assets or transfer the debts according to the bankruptcy liquidation procedure.
Extended data:
The risk brought by the collapse of the loan platform to borrowers is an important issue. Therefore, when choosing a loan platform, borrowers should review their ability to prepare for payment, guarantee measures and the purchase of related insurance. In addition, understanding the supervision and credibility of the platform is also the key to protect the interests of borrowers.