Open Baidu Post Bar and search for "online loan", and the largest online loan exchange community in the Chinese world appears. There are 2545286 "online loan experts" gathered here, posting 844257 1. The homepage of the Post Bar is occupied by eye-catching pictures, mostly online loan advertisements with yellow characters on black background or scarlet letters on blue background: 20w, which can be downloaded on the same day without looking at anything. Tiffany Blue has a thick round font, which specifically expresses the demand for women: the surrogate company recruits surrogate mothers from 220,000 to 270,000. If you are patient, turn to page 20 of the post bar and you will see the broken life here. Some people lost their jobs because of the epidemic. In order to support the family, I found a part-time job on the Internet and mistakenly entered online gambling. I lost 600,000 in one week, of which 500,000 came from online loans. A bar friend in Dongguan City, who failed to do business and owed 200,000 online loans, was "exploded" by the collection company and became a joke among classmates. Young women were recommended many projects in plastic surgery hospitals and learned that they didn't have much money. The sales of the hospital enthusiastically helped her with a 30,000 yuan online loan. Thomas lee, born in 1995 in Yunnan, became a paraplegic disabled person because his motorcycle brake failed. After treatment, he owed 300,000 online loans and his daughter was born.

Operating environment: Xiaomi11mui12.6.5 Baidu Post Bar 4.23.8.

：

1. Although the overdue online loan will have adverse effects, it is generally unlikely to freeze the bank card under the borrower's name. Many online loans are not connected to the central bank's credit information system, so the overdue situation is only recorded in big data and has nothing to do with credit information. There is no overdue record of online loans on the credit report, which naturally is unlikely to affect the bank card under its name. Of course, some online loans are connected to the central bank's credit information system. If the borrower is seriously overdue, these online lending platforms with credit information and financial licenses can bring a lawsuit to the court. The bank card under the borrower's name may be frozen at that time. However, regardless of whether the overdue online loan will freeze the bank card under the borrower's name, the borrower should try to avoid overdue online loans. After all, overdue online loans will affect the borrower's personal credit and even affect the borrower's subsequent credit business. Borrowers should form a good habit of paying back on time.

2. Attribute of online loan: online loan belongs to bond investment, which has clear income and interest income for fund lenders; The public often confuses it with equity crowdfunding. Equity crowdfunding is a kind of equity investment with flexible income. Investors can get future income through investment companies. For example, Beijing North Crowdfunding and 36Kr are all equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should be fully aware of risks, have sufficient knowledge and mental preparation for taking risks, and judge and take project risks by themselves.

3. Online loan risk: Online loan is different from financial institutions. Financial institutions are managed by "net capital". Both banks and trust companies should have their own registered capital. The registered capital ranges from several hundred million to10 billion or even tens of billions. Registered capital is not used for business, but a guarantee and a "threshold". However, due to the low threshold of online lending companies, the government has not issued guidance. You can buy thousands to tens of thousands of platform software. Many people with more debts bought virtual borrowers and virtual collateral on the platform to attract investors to invest at high interest rates. High interest rates are generally at least 30% per year, and individual platforms reach 50% to 70%.