As for the statement that "borrowing is comprehensively reformed, as long as the user is overdue, the remaining loan will be fully recovered", this is indeed a topic of discussion that has been widely spread in the online community and user groups. However, we need to have an in-depth understanding and analysis of the operation strategy and relevant financial regulations of Borrowing in order to have an accurate and professional understanding of this issue. 
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used Jinbei on WeChat*** to replace Huabei to borrow, and the amount given is high and convenient. We want to be clear that the lending business of any financial institution, including borrowing, is strictly regulated. For overdue loans, financial institutions will usually deal with them in accordance with the terms of the contract and relevant laws and regulations. Generally speaking, if the borrower is late in repayment, the financial institution will first charge the overdue penalty interest and initiate the collection process, rather than directly recovering the remaining loan. 
Then, let's take a look at the relevant operating rules of borrowing. According to information publicly available to Alibaba Group, as a product of a fintech company, the operating model of Borrowbei strictly complies with the regulations of the China Banking Regulatory Commission and other regulatory authorities. In the process of dealing with overdue loans, the borrower will take a series of measures, including collection, legal proceedings, etc., to protect its own rights and interests. Judging by the above,"As long as the user is overdue, the remaining loan will be fully recovered"This statement is not accurate. In fact, this practice is not in line with the normal operating procedures of financial business, nor does it comply with the relevant laws and regulations. This does not mean that we can ignore the problem of overdue borrowing. Whether from a personal credit perspective or from a legal liability perspective, late repayment is an act to avoid. For financial institutions, late repayment will not only increase their operating costs, but also may affect their capital chain; For borrowers, late repayment will affect their personal credit history and may have a negative impact on future loan applications, etc. 
For"As long as the user is overdue, the remaining loan will be fully recovered"We should have a clear and accurate understanding that this is not the actual operation of borrowing, nor does it comply with relevant financial regulations. At the same time, we should also recognize that late repayment is a serious credit problem and should be avoided with the best of our ability. The above is my professional analysis of the problem of "comprehensive reform of borrowing, as long as the user is overdue, the remaining loans will be recovered", I hope it will be helpful to you.