Recently, a piece of news has gone viral on the Internet: "The borrowing is comprehensively reformed, as long as the user is overdue, the remaining loans will be fully recovered", which made many friends who have used the Internet to apply for funds panic. So, is this news true or false? Today, we're going to unravel the mystery.
We need to understand what borrowing is. Borrowing is a consumer application fund service launched by Ant Financial, a subsidiary of Alibaba Group, which allows users to apply for loans through Alipay without collateral guarantees, and only need to provide personal information such as ID cards and bank cards. This convenient way of borrowing has allowed many people to get help with their cash flow.
But many netizens said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people are using the gold on WeChatCow flowersCome instead of borrowing Huabei, the amount given is high and convenient, if you have a small partner who knows or has already opened it, leave it for comment, let everyone open it.
Then, let's look at the authenticity of the news. According to Ant Financial's official statement, there is no so-called "comprehensive reform" in borrowing, and there is no provision that "as long as the user is overdue, the remaining loans will be fully recovered". In fact, whether it is borrowing or any other formal online application platform, there is a complete set of risk control system and collection mechanism. When a user is overdue, the platform will take different collection measures according to the user's specific situation, rather than "recovering the remaining loan" in general.
What happens if a user does get overdue? Generally speaking, the platform will first remind users to repay the loan through SMS, **, etc., and inform them of the consequences of overdue. If the user is still unable to repay the loan on time, the platform may take legal measures to recover it. In the process, the user's credit history is compromised, affecting future borrowing and credit card applications.
For this news, we can say unequivocally: it is fake. However, that doesn't mean we can take overdue issues lightly. Overdue will not only cause damage to an individual's credit, but can also lead to legal disputes and bring unnecessary troubles to life. So, no matter which application funding service you use, you need to have a clear financial plan and good repayment habits.
I would like to say that there is a lot of information on the Internet, and it is difficult to distinguish between the real and the fake. When we receive information, we must maintain a rational attitude, not believe unverified information, and have the ability to distinguish between truth and falsehood. At the same time, we must also learn to use the Internet to apply for funds wisely and avoid falling into difficulties due to lack of financial knowledge.
As long as the user is overdue, the remaining loans will be fully recovered" is purely a rumor. We should establish a correct financial concept, treat online application funds rationally, and at the same time pay attention to maintaining our credit records, so as to live within our means and consume healthily. In this information age, let us become rational consumers together and protect our money bags with wisdom.
The above is the interpretation of the truth of the news of "comprehensive reform of borrowing, as long as the user is overdue, the remaining loans will be recovered", I hope it will help you. When using the Internet to apply for funding services, remember to be rational and make a good repayment plan to avoid unnecessary troubles to yourself.