What a terrible thing it would be if the credit bureau lost its credibility!

Mondo Social Updated on 2024-02-01

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If citizens lose trust in the credit system, it is really a terrible thing than not being able to get a fat cow when eating hot pot!Imagine that the credit system, which is an indispensable "guardian saint of credit" in our lives, once we lose our trust, it is really a more terrifying existence than the villain in the movie.

For example, the problems that arise after the P2P platform accesses the credit information that is relatively controversial are even more unimaginable, because the key issue for the P2P industry is whether the personal credit information they upload maintains a fair, open and transparent attitude, just like the problem experienced by Henan Xiaozhao, who borrowed 23 times on a single P2P platform, and each time the P2P online loan platform deducted the "cut interest" before issuing the loan, and these "cut interest" According to China's latest judicial interpretation on private lending, the part above the red line with a comprehensive annualized interest rate of more than 36% is an invalid debt, and the borrower has the right to request the P2P platform to return this part of the invalid debt.

And Xiao Zhao has also called this P2P platform many times, asking for an invalid debt such as "cutting interest" to offset the debt he owes, but this online loan platform not only does not accept it, but even entrusts many unidentified people to carry out "infringement" collection on Xiao Zhao and his relatives, friends, address books, and contacts in call records, so that Xiao Zhao is "no debt" In the case of discredit, and afterwards, because the fund behind this online loan platform is a village bank in a certain area of Heilongjiang, the bank uploaded Xiao Zhao's last overdue debt to the credit information system, and according to the law, there is a great objection to this negative, Xiao Zhao can ask the village bank to withdraw the negative information, but the village bank not only ignored Xiao Zhao, but even said that Xiao Zhao's behavior is "debt evasion".

However, Xiao Zhao believes that the bank's practice is illegal, and even questioned that the village bank deducted the interest in advance when issuing the loan, and the deducted interest has far exceeded the annualized interest rate standard stipulated by the law, which is an illegal usury. This is also Xiao Zhao wants to ask everyone, don't be the so-called "experts", whether invalid debts can be offset by debts, and Xiao Zhao also entrusts many friends who are engaged in ** work to distribute various articles, but so far there is still no "expert" or bank and online loan platform to give a reasonable explanation.

Xiao Zhao also said that if the credit information system even these so-called "debts" that are more controversial Processing and collecting and uploading to the system, this is obviously a practice that violates the law, because Xiao Zhao believes that since the law clearly stipulates that the debt can be returned, this belongs to Xiao Zhao's basic rights and interests, and it belongs to Xiao Zhao's private property, and this part of the invalid debt can be completely discounted according to the law to offset the debt owed by himself, and return the remaining part

All along, we have been saying "what if", so today, we also join, let us walk into this "if" world, feel this hilarious horror, in this "if" world, the credit system has become a huge "credit monster", its figure is everywhere, but it is unpredictable. It is like a ** "big devil", using its "claw of credit" to firmly control people's lives. Under the rule of this "credit monster", people's lives become like an absurd comedy.

First of all, losing trust in the credit system, people will become like "blind people touching elephants" when they are doing business. For example, when you go to the bank to apply for a loan, the "credit monster" of the credit information system will hide in the shadows and use its "credit claws" to turn your credit history upside down. And you can only do it there in a hurry, like a helpless "little sheep", at its mercy. Such a scene makes people laugh so much that their stomachs hurt!Secondly, if they lose trust in the credit system, they will become like "frightened birds" in their daily lives.

Under the rule of this "credit monster", everyone will worry about surprises on their credit history. For example, you may be severely charged by this "credit monster" for an unintentional late payment. From then on, you will leave a "credit scar" on your credit history, making you unable to hold your head up in front of everyone. This kind of life really makes people laugh out of their belly!Eventually, trust in the credit system is lost, and relationships between people become "scattered". Under the rule of this "credit monster", people will become more and more suspicious of each other, because no one knows what "cats" are hidden in their credit history.

Trust between friends and family members will become precarious in the shadow of this "credit monster". Such a world really makes people laugh until they cry!To sum up, if citizens lose trust in the credit system, it is really a terrible thing than not being able to get a piece of fat cow when eating hot pot!In this "what if" world, the credit system has become a giant "credit monster", making people's lives feel like an absurd comedy. So, let's cherish the existing credit system together and let it continue to be the trustworthy "credit guardian" in our lives!

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