#Society#For the attitude of online loans and credit cards, many people are basically "kill and then fast".
The assistance to the online lending platform is to ignore the fact that it has the characteristics of "usury" and "underworld"
A considerable part of this has either personally experienced the painful "debt collection" process of online loans or credit cards, or as witnesses, they have seen too many online loan platforms, how to force others to die through legal clothing, using high interest rates.
Therefore, some netizens said bitterly,
Online lending is Chinese, it makes people who can't repay the loan, all day long just want to repay the loan, and do not produce. Therefore, there are many people who have been forced to commit suicide and who have taken the road of crime. Platforms lend too easily, which will bring many adverse effects to social stability.
Of course, many netizens also said,
You can't control yourself, borrow and consume at will, invest, and then after a problem, blame the platform for being an irresponsible behavior.
Holding this view, they basically ignore the "usury" and "underworld" nature of many online lending platforms.
Other netizens also declared,
Many people with online loans and credit card overdrafts don't want to pay back at all. This kind of person knows that he is incapable of repaying but desperately borrows, the essence is that there is no sense of credit, this kind of person is not worthy of pity.
Similarly, credit is used on legitimate platforms and channels, not on loan shark platforms cloaked in legality.
The regulation and clearance of online lending platforms is the effect of preventing debt slavery
At first, for a while, the relevant departments were not aware of the "high interest" problem of the p2p platform in time.
Many people like to talk about the willpower of the borrower, but if the person's willpower is reliable, what else should the law do?
It is precisely because of various contingencies, group sets, temptations and personal willpower problems that the public sector is needed to guide and regulate.
Usurers have existed in the Middle and Western worlds since ancient times and have existed in the image of a "destroyer".
In ancient Greece, because of the emergence of usurers, many debt slaves were created, which in turn affected the stability and development of society, and even led to those citizens who purchased their own armaments, because of their debts, they were unable to participate in the military activities to defend Greece.
Many online lending platforms are too "easy" to lend, which is actually a kind of fueling. After all, not everyone has that much self-control.
People without self-control should be "slaughtered"?! While respecting the "strong", a society must also take care of and guide the "weak".
Of course, there are indeed malicious borrowers in reality. Some of them are still borrowing money to gamble online, taking drugs, etc., which should be repaid and held accountable. Therefore, it is also important to check the lender's funds and the legitimacy of the platform.
Many online lending platforms were too unregulated, or difficult to control their size and capital flow, such as nude loans.
Originally, p2p was intended to be good, drawing on the form of private money, online financing and lending, to help people with emergencies.
But as soon as this thing was released, all kinds of black loaners and usurers who were originally offline began to appear in a legal guise.
Therefore, the development of p2p in the early stage is in full swing, but the later stage of the situation is getting more and more out of control, and it is all cleared to zero.
Forms of lending such as "private fundraising", which are maintained by relationships and private credit, are often run away.
Moreover, many online lending platforms are ostensibly dressed as legal, but in fact they are usurers or black lenders, which is even more difficult to regulate.
As for credit cards, many banks handle them "easily" in order to complete their tasks, and the qualifications of borrowers are not strictly reviewed during the period. This leads to the inability of malicious borrowers to withdraw funds in a timely manner.
But the financial platform that is harmful, confusing and difficult to control the consequences is online lending.
Previously, 89 people committed suicide because of the problem of "routine loans" to force debts. More than 390,000 people suffered from extraordinarily large loans.
The last words were exposed: "I really can't stand it, die early and get relieved early." “
Many people have ignored the fact that many online loans are now of the nature of "usury" and "underworld", and constantly attack online lenders with words, believing that they deserve it and do not deserve sympathy.
There are even those who take sides for some illegal online lending platforms, and I don't know whether they are "rational" or "indifferent".
Online lending is like a hangover, although it does not force people to borrow, but it will often tempt people.
It easily opens its "mind" and often demonstrates the benefits of borrowing without prompting, preventing and controlling risks in advance. This led to events like Adam and Eve being seduced by the serpent and having original sin.
Therefore, some people say that many online lending platforms are demonic existence.