After the deadline, why is it not easy for the platform to sue the debtor
1. Prosecution costs.
Platforms suing debtors require a significant investment of time, manpower, and money. For some platforms that violate the law but are small in scale, the prosecution may not be able to recover the corresponding costs, causing the relevant departments or platforms to choose to abandon the prosecution.
Second, laws and regulations are relatively lagging behind.
The consumer finance industry started early, and the formulation of laws and regulations is relatively lagging behind. Some online lending platforms may have violated the rules in the course of operation, but due to imperfect laws and regulations, it is difficult for the relevant authorities to find a legal basis to prosecute them.
3. Judicial resources are unevenly distributed.
Due to limited judicial resources, some major and important cases need to be prioritized, while cases involving platform violations may be given a lower priority and it is difficult to obtain corresponding judicial support.
Fourth, the risk of rights protection is relatively high.
Some platforms may fear that once a borrower is sued, the defendant will file a counterclaim, claiming that the platform is illegal, which will expose the platform to greater risk. Financial institutions typically conduct a risk assessment before granting a loan.
Of course, in addition to excluding the above four reasons, there are other factors that may cause platforms to delay prosecution. For example, the amount involved is small, and it is difficult to recover. These factors may lead platforms to choose not to sue after weighing the pros and cons.