Positive answer: Positive actions should be taken to solve this problem.
Description:
1. Contact the loan platform: get in touch with the loan platform, explain the current predicament and find a solution. They may offer the option of deferred payment or installment payment.
2. Make a repayment plan: review personal financial situation and make a reasonable repayment plan. Consider cutting expenses, increasing income, and giving priority to repaying high-interest debts.
3. Seek help: consult a professional financial consultant or credit consulting agency to get more suggestions on debt management and repayment.
4. Explore the debt restructuring plan: If the debt amount is large and difficult to repay, you can try to discuss the possibility of debt restructuring with the borrowing platform, such as extending the repayment period or reducing interest.
5. Avoid new debts: avoid further borrowing to prevent the debt problem from expanding.
Summary:
Facing the problem of loan arrears, it is very important to communicate with the lending platform in time and make a feasible repayment plan. At the same time, seeking the help of professionals and avoiding new debts is the key to solve this problem. Please note that the above suggestions are for reference only, and the specific situation may need to be adjusted according to the actual situation of the individual.
Extended data:
1. Official website of the People's Bank of China: provides information and guidance on credit and debt issues.
2. China Banking Regulatory Commission: It is responsible for the supervision and management of the banking industry in China, and its website may contain relevant policies and regulations on loans and repayment.