How to get ashore if you owe 65438+ 10,000 net loans?

Step 1: Get rid of your bad habits. Bad habits mainly refer to some bad habits, such as smoking, drinking, gambling, violence and so on. Indulging in bad habits will lead to poor self-control and spending money like water, whether you can afford it or not. I don't have a proper job, so I borrow it after spending money. If I don't borrow it, I'll exchange it for another one. So back and forth, it is easy to let yourself fall into a vicious circle of raising loans with loans. So if you want to go ashore, the first step is to restrain yourself and get rid of bad habits. Step 2: Confess and ask for help from others. Many people clearly know that they can't afford to pay back the money, but because of face and other circumstances, they would rather rob Peter to pay Paul to borrow money than ask relatives and friends for help. This will only make your arrears higher and higher, and once you reach the middle and late stage of arrears, the collection will also blow up your address book, so that your relatives and friends around you will know that you are a person who owes money and does not pay it back. It is better to confess late than early. The best way is to confess with your family, get their understanding and pay off your debts together. Step 3: Negotiate with the collection and take the initiative to negotiate with the debtor to see if we can deal with some suspended accounts first, then pay back the money first, and make up the rest of the interest little by little. If the lending institution doesn't agree, we can continue to negotiate to see if we can repay the money in installments and pay it back at different time points on average, so that our economic pressure will not be so great. Finally, it is to find a serious job and try to make money. If you want to go ashore, relying on others is never the way. With a certain income, we can fundamentally solve the problem.

First of all, online credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Second, the creditor's rights transfer model can better meet the borrower's capital needs and the investor's capital needs, and actively carry out business in batches, rather than passively waiting for their respective matching, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models.

Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry".

Third, because guarantee companies usually have weak risk control ability, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and licensed formal financial institutions with strong strength such as securities companies, four asset management companies and banks have the strongest risk control ability and the highest risk control level. Therefore, among these types of P2B platforms, the first risk is greater, followed by the second and third risks, and the fourth risk is with securities companies, four asset management companies and banks.