In the current financial market, various lending products are emerging one after another, and these products are constantly being adjusted as regulations continue to be strengthened. Recently, the statement that "the borrowing is comprehensively reformed, as long as the user is overdue, the remaining loans will be fully recovered" has attracted widespread attention and discussion. But is this true? Today, we're going to take a closer look at 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 need to be clear that the terms and regulations of any financial product are subject to laws and regulations, and it is impossible for such an extreme situation to immediately recover all the remaining borrowings just because the user is overdue once. This practice will undoubtedly cause great financial pressure on consumers, and it also violates the principles of reasonable and fair financial services. 
In fact, for any formal financial institution, they will have a complete set of risk assessment and lending** mechanisms. When a user is overdue, the financial institution usually communicates with the borrower first to understand the reason for the overdue and helps the borrower resume normal repayment as much as possible. If the overdue situation persists and cannot be resolved, the institution will take further measures, such as charging penalty interest, limiting credit limits, and even taking legal action to recover the debt. However, these measures are implemented gradually within the legal framework, and it is never possible to recover all remaining loans as soon as the user is overdue. 
We also need to take into account that fintech companies such as Ant Financial's Borrow, whose operating model is based on big data analytics. Through the user's consumption behavior, credit history and other information, the system will automatically assess the user's repayment ability and credit status. In this model, a single overdue behavior will affect the user's credit score, but it will not directly lead to the recovery of all remaining loans. The system will decide whether to adjust the user's borrowing conditions based on the overall risk assessment results. As consumers, we also need to recognize that any borrowing behavior comes with corresponding responsibilities. Overdue will not only affect an individual's credit history but can also lead to additional financial losses. Therefore, it is the obligation of every borrower to plan their finances reasonably and repay their loans on time. 
The so-called "comprehensive reform of borrowing, as long as the user is overdue, the remaining loan will be fully recovered" is not accurate. Formal financial institutions will comply with laws and regulations when dealing with overdue issues, and take reasonable measures to protect their own rights and interests and the legitimate rights of consumers. As consumers, we should also remain rational and do what we can when borrowing to avoid unnecessary trouble to our credit and economy due to overdue.