For businesses concerned about the collection problem, Alipay said that the joint network Merchants Bank to solve together, this year to participate in double 11 of the business after the consumer pays the deposit, you can recover the full amount, the tail part of the Alipay and other pads to the merchant, the account period shortened by more than 20 days. Consumers rights and interests will not be affected, and they can still enjoy Alipays secured transactions.
It home learned that online banking said that it is expected to advance more than 200 billion yuan for businesses during the double 11 period this year.
Because the identity information was used by the Internet, the Alipay account was frozen. Recently, a user in the online petition issued suspend freezing my Alipay complaint information, because personal bank savings card was impersonate handling, in September 18, 2020, Alipay account was found to be frozen.
On October 19th, Alipay account was frozen because of identity information being borrowed and borrowed by Internet. Recently, a user released a complaint message in the online petition that suspend freezing my Alipay. It was found that the Alipay account was frozen because of the impersonate of the personal bank savings card. Subsequently, the Yuhang branch of the Hangzhou Public Security Bureau was informed that the loan principal was 2000 yuan in December 2015 in the love loan (now called AI and MI) net loan platform, which was $2000. Immediately return the loan with interest and principal, otherwise we will take measures such as freezing my account and putting it into the list of dishonesty. This appeal case shows that if P2P borrowers overdue their loans on time, freezing Alipay and WeChat wallet accounts has already entered the stage of practice. Before that, there were overdue borrowers who said their Alipay accounts were frozen, unable to pay, or to buy things on Taobao.
In the complaint, the above-mentioned user said: as a result, the incident happened in many places in Hangzhou and Zhengzhou, and they were told that they need to report to the public security organs. The public security organs will file a case and investigate the case. They will obtain the bank account information through criminal means, find the impostor, investigate their loan fraud crime or other criminal charges constituted by it, and compensate for the reputation loss and economic loss caused to me u3002u201du3002
The public security branch of Yuhang District, Hangzhou City, said in its reply: the users information about being falsely used as an identity, handling bank cards and borrowing online loans should be reported to the public security organ in Zhengzhou, where the crime occurred. After obtaining the case acceptance certificate from Zhengzhou public relations organ, it can be provided to Yuhang public security online loan collection office, and the collection of the aiyoumi loan can be cancelled.
Overdue borrowers Alipay, WeChat wallet and bank cards can be frozen.
At present, the main means of punishing the dishonest is the order of limiting height. Restrictions on high consumption include not buying a house, buying a car, not flying, taking high-speed rail, not staying in star hotels, not going to high-end places to spend, not traveling, and not going to private schools for children.
For the overdue borrowers of online lending institutions, most of them were recovered by the online lending platform. With many online loan institutions being put on file for investigation, in order to speed up the resolution of the stock of online loan risk, crack down on malicious evasion and cancellation of debt. According to the relevant notices issued by the public security organs in many places, the public security departments are already involved in the collection work of some platforms.
In May this year, the public security organs of Hangzhou Xihu District began to issue collection messages to borrowers who were seriously overdue. The short message indicates that the online loan previously applied by the borrower has been included in the online loan collection platform, prompting overdue borrowers to pay attention to the small program platform of Xihu investment and communication for querying overdue information and repayment. The small program platform is provided by the financial work class of Hangzhou Xihu District.
It is understood that Xihu District of Hangzhou city has also set up a special account for financial risk prevention and resolution. Overdue borrowers should repay through the special account for financial risk prevention and resolution. Later, the overdue borrower said that his Alipay account had been frozen, can not pay, and can not buy things on Taobao.
On September 25, due to a large number of overdue P2P online lending platform aiqianjin, the borrower complained to the Beijing Public Security Bureau. Subsequently, the financial work coordination section of Beijing Dongcheng District Financial Service Office replied that at present, aiqianjin platform has been filed for investigation by Dongcheng District Public Security Bureau, and the complainants can report the case to the public security department with relevant evidence.
Monitoring shows that for the long overdue love money to enter the loan APP money station old Lai, from the beginning of September, Beijing public security departments in addition to freezing bank cards, Alipay has also been included in the freezing area. On September 15, there was a overdue borrowers report that money station had started freezing the relevant fund account number of overdue borrowers.
Police direct intervention platform
Police intervention to assist in collection is undoubtedly one of the effective measures to prevent malicious debt evasion, and is also an urgent demand of P2P institutions for a long time.
Previously, when dealing with P2P platform issues, the collection of the real creditors rights of the platform only stayed in the announcement or oral. In recent years, many local police directly participated in the collection work, which will bring great hope to the industry.
According to the incomplete statistics of the asset management blackboard newspaper, so far, the police have participated in or directly taken over the collection work of platforms, including quark finance, grabbing money cat, Huaxia Xincai, tuantai, huashengmifu, micro loan network, Xiaoniu online, etc. with the continuous promotion of industry renovation, it is believed that more platforms will be involved by the police or local judicial organs.
Strengthen efforts to rectify and eliminate the debts from waste
Insiders pointed out that at present, Alipay, WeChat wallet and other network payment APP has been included in the national network implementation of the check and control system. The executive judge can directly freeze and deduct the account funds online without the approval of the payment platform after querying the funds in the network account of the person subjected to execution through the network investigation and control system according to law.
This means that if a borrower is judged to be a dishonest person, his bank and financial accounts may be frozen or even deducted directly. In addition, Internet financial accounts such as Alipay and WeChat wallet will be linked.
At the same time, if the court wants to freeze the fund account number of the dishonest person, it has generally gone through the whole process of court judgment and enforcement, including the four steps of the defendant responding to the lawsuit, the court judgment, the defendant refusing to perform and the plaintiff applying for compulsory execution. At the same time, beyond 60 days after the service of the enforcement notice, the court will enforce the enforcement according to law.
Some lawyers said that in some collection cases, irrational actions such as group rights protection and violence rights protection are often accompanied. Such actions not only affect social order, but also endanger the personal and property safety of citizens. The involvement of judicial and public security organs in collection collection not only has the attribute of law enforcement, but also has the multiple attributes of maintaining social morality, protecting social order and implementing social policies, which is in line with the trend of credit reporting system construction.
Cracking down on Lao Lai is the best interpretation of social fairness and justice
Although the rectification of online loans has made decisive progress, we still need to pay full attention to the complexity and severity of the rectification work, and the follow-up work is more difficult due to tight time and heavy tasks. The three reductions work of the remaining operating agencies is progressing slowly, and the follow-up disposal is very difficult. The task of dealing with closed down institutions is still arduous, and the problems of not clearing up after withdrawing and difficult to clear up after withdrawing are prominent, and a lot of arduous and meticulous work still needs to be done to resolve the risks.
For many P2P lenders, there is something more painful than this epidemic: the online loan platform they invested in suddenly does not pay back, and they dont know when they can get the money back? This is the true epitome of some lenders in the tide of P2P industry retreat.
Cracking down on Lao Lai and making him repay on time is the best interpretation of social fairness and justice.
National goddess old Ganma is recalled in Australia due to chicken bone in chili oil! Tesla recalled 48600 imported electric vehicles with frequent rumors of express strike this year, will you be happy to kill your hands this years double 11? Source: it home editor in charge: Chen Hequn_ NB12679