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Why did online loans close down?
1. Too much fraud.
Ordinary people give money to the online loan company, and then the online loan company loans, and the borrower does not repay, so it is difficult for the online loan company to repay. There are even some online lending platforms that existed for fraud from the beginning.
2. The capital chain is broken.
Many online lending companies have very high interest rates. Once there are too many bad debts and the capital chain breaks, it will go bankrupt quickly and be eliminated by the market.
3. The interest rate is too high, and there are too many negatives.
Negative information such as "usury", campus loan and high interest rate. It is also an important reason for the collapse of this industry.
4. Government supervision
Too many negative and chaotic interests in the market will inevitably attract the attention of relevant departments, lead to policy regulation, and SME online lending companies will be eliminated by policies and markets.
The online lending platform closed down. Do you want to pay back the money?
After the collapse of online lending platforms, do many people who have borrowed money from these platforms still need to continue to repay their loans?
The first and most important thing is that even if the platform goes bankrupt, the debt relationship between you and the platform still exists. The closed platform may not be able to collect it again, but the lender can fully recover the money by virtue of the debt contract.
Moreover, these are the points that you must pay attention to!
First, your bad records may be recorded in the credit information system, especially the recently integrated letter links. Microfinance also has its own credit platform. When someone borrows money, he will record his information on this platform, including whether to repay it.
Second, it is no longer possible to borrow from other platforms. As long as you are labeled as "overdue", your subsequent application for other online loans has a high probability of being rejected. The other party can find out the "glorious history" of you owing money and not paying it back through the big database, so as to be included in the loan refusal list.
Third, go to court. Whether the platform closes down or not will not affect the debt relationship between you, that is to say, as long as there is a loan agreement, the arrears should be repaid in full and on time. If not, the other party can ask for the arrears through litigation or online arbitration.