欠债博主：在网上记录还债过程，告诉别人怎么还债｜深度报道
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.58cammp.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); visibility: visible;"> </p><section style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center; visibility: visible;"></section><section style="-webkit-tap-highlight-color: transparent; margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; visibility: visible;"><section style="text-align: center; margin-left: 8px; margin-right: 8px;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pic.app.58cammp.com/FsUZA5L6odVeIbauC01-vFYxx02U" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; visibility: visible;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">在欠债群里蹲了一段时间后，大连的小红书博主</span></span><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">@小七启航（以下称小七）选择自己建一个群，用来沟通在负债—还贷路上遭遇的种种问题。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">这是一个低调却庞大的群体，潜伏在各个社交媒体</span></span><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">“负债逾期上岸”的小组中，他们倾诉着自己负债的情况，交流关于欠债的恐慌、逾期的应对以及怎样避免被“爆通讯录”的操作。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">“</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">有些人就是不打算还钱了，还有些人自怨自艾，负能量很多。但我还是打算积极还钱，所以就想建一个群，大家互帮互助，介绍兼职，或者应对催债电话等。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">”小七说，彼时，她身上背着</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-size: 15px; font-weight: bold;">60</span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">万的债务，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">在</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">爆雷之前，她及时踩下了刹车。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">在各大社交平台上，像小七这样陷入债务困境的人不在少数，也因此出现了许多</span></span><span style="font-family: 宋体;"><span style="font-size: 15px; font-weight: bold;">“债务优化公司”等机构，其中不少机构多打着“法务”的名义，声称可以为负债人解决催债问题；还有些则向欠债者推销低息贷款以置换高息网贷，诱导欠债者借更多的钱。深一度发现，许多欠债者为了保住自己的征信，不断地借新还旧，最终，在越来越重的债务中，不得不按下“逾期”的暂停键。</span></span></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; orphans: 2; widows: 2; float: none; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-style: normal; font-variant-caps: normal; text-align: justify; text-indent: 0px; text-transform: none; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; background-color: #ffffff; font-weight: bold; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"><img class="rich_pages __bg_gif wxw-img" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; font-size: 17px; text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.188px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); text-align: center;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: 17px; text-indent: 0em; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #07c160; font-family: PingFang SC, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: #d93f3f; font-family: PingFang SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"><span style="clear: both; min-height: 1em; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; text-indent: 0em; font-weight: bold; color: #d93f3f; text-align: justify; caret-color: #d93f3f; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">循环</span></span></strong></span></strong></strong></strong></strong></strong></strong></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">没有一个人，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">在第一笔借贷时，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">会</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">觉得自己</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">还不上</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小七从</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2018年开始借贷，当时她跟男朋友投资了一些虚拟货币，就从信用卡里套现，后来做起了副业，线上生意需要不断进货，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">于是</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">不断地套现借贷。</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">后来</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">逐渐</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">从倒信用卡走向网贷，是因为她姐姐急用钱，但她手头紧，看了下自己名下一个互联网平台有</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">5万块的贷款额度，于是就套出来了。</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">就这样，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">从</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">一开始</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">的</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">负债</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">不到</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">8万元，慢慢地滚到了连本带利的60万。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“我大概知道小贷平台的利息比信用卡高，但并没有比较过这两者的利息差。”小七说。她也没想过再去办一张低息的信用卡，而是选择了直接从网上借贷。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“我的信用卡从2008年上大学时就开始用了，额度很高，但新办一张卡，额度可能只有两万。可是如果你去互联网平台上贷，平台一下子就能给你5万、10万。相比较之下，信用卡升额度就太慢了。”小七说。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">李胜则是在创业的过程中，一点点积攒了债务。</span></span><span style="font-size: 15px;">2016年底，他从广东深圳返回县城老家创业，筹备开设家居零售店。2018年店铺正式开业，</span><span style="font-family: 宋体;"><span style="font-size: 15px;">由于资金周转困难，就在互联网平台上借了几万块，就此滑入借贷泥潭中。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“因为自己创业，没有社保和公积金，很难从银行贷款，小贷相对来讲比较方便。”李胜解释。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">开店资金回笼慢，碰上周转不开时，就得去平台借贷。到了创业第二年，李胜发现自己负债越来越高。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">钱，不知道哪去了，用他的话说，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“算一算好像（钱）还在货里面，但货是一仓库的货，手头现金却很少，负债越来越多，每次周转都要借。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">和小七一样，他也从来没计算过不同平台的利率高低。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“当时我记得大概1万块，每天的利息是5块。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">而据另一位在豆瓣</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“逾期负债上岸”小组的四川网友“积极主动小星星”（下称小星星）观察，欠债人有一个共性，“都糊里糊涂的，不知道自己借了几家的总额和利息。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小星星也欠了债。她告诉深一度，由于自己有房子，因此，当</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2015年她第一次试图借贷时，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">平台</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">直</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">接给了她一个很高的额度。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“第一次就有10万左右。我只借了3、4万，当时的利息是10%左右。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">只要欠债人能按期还贷，平台就会不断提高额度，让人越陷越深。李胜曾在一家互联网平台借了</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">5万，一直按期还款，等5万借满了，平台就把借贷额度提到8万、10万。“等这个平台的额度用完了，另一个贷款平台又可以多一点。”李胜说，“就感觉平台有个诱导机制一样，你还了一部分，他们就给你提高额度，提高额度了你就又想去借。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">实际上，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">根据《消费金融公司管理办法》</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">相关</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">规定，小贷平台</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">对于</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">借贷人</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">的</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">资质和额度</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">，有着</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">明确的</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">审核</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">义务和责任。不得将授信审查、风险控制等核心业务外包，不得为无放贷业务资质的机构提供资金发放贷款或与其共同出资发放贷款，不得接受无担保资质的机构提供增信服务以及兜底承诺等变相增信服务；不得引导借款人过度负债或多头借贷</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">等</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">北京市律通（朝阳区）律师事务所律师马海瑞介绍，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">如果小贷平台未尽到合理的审核义务，导致借款人过度负债，可能会面临一定的法律责任。当借款人因平台的不当放贷行为陷入困境并产生损失时，平台可能需要承担相应的赔偿责任。</span></span></span></p><p style="margin-left: 8px; margin-right: 8px;"> </p><section style="-webkit-tap-highlight-color: transparent; margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; 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margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); clear: both; min-height: 1em; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; font-size: 17px; text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.188px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); text-align: center;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: 17px; text-indent: 0em; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #07c160; font-family: PingFang SC, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: #d93f3f; font-family: PingFang SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"><span style="clear: both; min-height: 1em; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; text-indent: 0em; font-weight: bold; color: #d93f3f; text-align: justify; caret-color: #d93f3f; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">以贷养贷</span></span></strong></span></strong></strong></strong></strong></strong></strong></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">真正的断裂，从第一次还不上贷开始。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">李胜的创业并不顺利。算起来几乎总在微亏或者微盈利的状态。由于进货资金就来源于借贷，隐患从一开始就埋下。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">他曾做过家居设计师，想着凭借着丰富的经验，回老家后自己开个店也没问题。实际上，在深圳时，公司销售一天最高能做二三十万的销售额，但回到县城之后，生意好的时候一天千把块，差的时候就几百块，一个月下来，只有两三万收入，收支勉强平衡，一开始借贷那部分总也还不上。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“已经借的款还要还利息，慢慢就不够了，越来越不够。”李胜说。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">他开始了以贷养贷。最多的时候，信用卡加上平台，将近欠了</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">20家。“20家的概念，就是基本上每天都需要倒腾（还款），拆东墙补西墙，这个平台马上要还了，我就用另一个平台去借钱，借了去还这个平台。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">贷款可以分期偿还，但李胜的现金流始终不够覆盖每一期的额度，他只能求助于其他平台继续贷款、分期。一开始，他还拿记事本记录欠款情况，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“记住每一张卡借了多少钱，到什么时候还、要还多少。”但很快，记事本就记不清了。2020年前后，为了提醒自己按时还钱，他设了许多个闹钟。几乎每天一起来，就得看看哪个银行的“闹钟”响了。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“闹钟一响，我就必须先去处理它，这种情况下你想不到那么多。”李胜坦言，走到他这一步，债务已经没法让他抽身思考“以贷养贷”以外的方式。借贷一旦滚起来，逾期会形成连锁反应。倘若某个平台因为逾期未还钱，就没法贷出新款项，“一个要是断了，相当于其他的连锁反应全部断了。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">他和妻子开始不停地开新信用卡、借钱，妻子在体制之内，贷款更加方便，于是贷出</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">60万帮他先用较低息的钱，填了高利息小贷的坑，再慢慢还低息的借债。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">李胜告诉深一度，开新卡可以找专门做</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">POS机的机构，他们既销售POS机，又管开卡，倘若业务员恰好跟两家银行有合作，那他就一次性开两张，开了就能套现。“那时候想的就是尽量多开，尽量不要爆雷。而且信用卡的利息低，我就规划怎么能多借点低息的，少还点高息的。所以只要到了时间要还钱，我就要再去挖一个新坑。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">挖坑只能缓解焦虑，并不能解决焦虑，李胜的日子始终在爆雷的钢丝上摇摆。前一天感觉世界要完了，第二天开新口子借到钱，把前一个口子的分期还进去，一天又应付过去了。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“我只是此时此刻给它堵上了而已。下次还得去开新口子，去堵上之前的。”他对自己的状态很清醒。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">但实际上，将时间拉长到七八年他最开始借的钱真正用于进货，也就</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">20、30万，后来就是因为以贷养贷，欠款总额增长到100多万。“别人过年时都是在过年，我看的是日期，闹钟一响，大年初一也得想办法去搞钱还债。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小星星记得，自己的债务比较多是在</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2017年，但当时她并没有意识到这个问题。后来即便意识到了，也觉得自己能还上，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“那年我总共欠15万左右。当时我家人刚好卖了房子，多了一笔钱，所以就还清了，但2017年因为装修又借了一笔。”小星星说，2018年前后，股市迎来牛市，她想炒股，就又从一家平台借了25万，加上旅游、购物等消费，慢慢地，缺口就到了40万左右。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“没逾期的时候，我以为自己只欠了三四十万，等逾期以后，我发现每一家欠款加起来，已经滚到了80万了。”小星星说。</span></span></span></p><section style="text-align: center; margin-top: 8px; margin-bottom: 0px;"><img class="rich_pages wxw-img js_insertlocalimg" style="width: 564px; height: 309px;" src="https://pic.app.58cammp.com/Fkq1RwToIANq5LDMJ_WQkA4OH7Jj" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; orphans: 2; widows: 2; float: none; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-style: normal; font-variant-caps: normal; text-align: justify; text-indent: 0px; text-transform: none; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; background-color: #ffffff; font-weight: bold; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;">小星星的逾期记录</span></p><p style="-webkit-tap-highlight-color: transparent; margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; orphans: 2; widows: 2; float: none; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-style: normal; font-variant-caps: normal; text-align: justify; text-indent: 0px; text-transform: none; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; background-color: #ffffff; font-weight: bold; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"> </span></p><section style="-webkit-tap-highlight-color: transparent; margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); clear: both; min-height: 1em; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; font-size: 17px; text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.188px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); text-align: center;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: 17px; text-indent: 0em; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #07c160; font-family: PingFang SC, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: #d93f3f; font-family: PingFang SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">化债</span></span></strong></span></strong></strong></strong></strong></strong></strong></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">当所有网贷都没法再提额、新口子也开不了的那一刻，就是爆雷的时刻。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">2024年10月，小七突然意识到，自己的债务，到了不优化不行的地步。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“其实我一直到2025年6月之前，都没有逾期。但公司突然降薪，我就没办法像之前那样从容还贷了，所以稍微算了一下总共欠了多少钱。”小七说，一算才发现，她每个月连本带利，要还2.5万到3万元。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她决定复盘一下整体债务，先把高息的还掉，再慢慢还低息的欠债。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">自打欠债之后，她经常会接到各类贷款平台的电话，一开始，她怀疑对方是高利贷，不怎么接。但在计算了总负债后，她有点急了，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“当时我觉得，从其他渠道可能已经周转不出来什么钱了，既然他们说是正规平台，有线下渠道，我就想着去看一下。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">2024年11月，她先后找了两家机构，一共贷出来25万元。她用这笔钱把之前的一部分互联网</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">平台的</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">欠债还掉，然后关掉了这些贷款渠道。但却没想到，这两家机构本身的</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“费用”也不低。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“当时我有点狗急跳墙了，没仔细看条款。”小七说。后来她仔细研究，其中一家给出的债务优化方案是，给她提供一笔15万的贷款，这笔钱则要分为36期偿还，其中贷款利息3.8%，与银行持平，但在利息之外，每期还有一笔定额的“保险费”，保险费就超过每期所偿还的总额的20%。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">而针对于</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“保险费”</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">是什么，工作人员说得很模糊，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“他说给我做担保，我问他们，如果我每一期都正常还，这笔担保是什么呢？他说这个就是以个人贷款保证保险保单。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">越来越多的机构开始将</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“化债”作为生意，除了上述的贷款机构，还有“养征信”的中介，以及协助欠债人应对催债的“法务”。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">所谓</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“法务”，是指当欠债人不知该怎么处理债务，或者不想被爆通讯录时，为其提供代理服务的人。深一度记者在若干欠债上岸互助群里了解，每当有人想要找法务时，就会有其他欠债人提醒，这项服务并不靠谱，大多数情况下，只能为欠债人操作“呼叫转移”。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“很多法务只是把催债电话转到他们那边而已。他们要么不接电话，要么接了电话也不处理具体的事，只会说‘这个欠债人他现在在我这儿做代理，你有什么事就找我’。”小七介绍，但平台是要催账，法务也并不能代表欠债人拿出详细的还款计划，最后，平台还是会把欠债人“爆通讯录”。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">欠债之后，小七提前给母亲打了预防针，告诉母亲自己欠了债。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“我没跟她说具体是多少钱，只说如果我要是哪个月钱不够还款了，你能不能借我点？她说行。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">2025年，小七开始在小红书上记录自己的化债过程，在复盘过所有的踩坑经历后，她还给其他负债网友做付费的1对1咨询。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">当有网友找来时，小七会先问清楚欠债人的工作、收入、欠债金额等基本情况。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“这样我能够了解他们的真实情况，提出更有效的建议。比如说有人一个月就赚1000块钱，但总共欠了15万。这样</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">即便我教他怎么去跟银行协商，他也没有能力去还钱，没什么用。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">有失业的全职妈妈欠了</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">40万，找她咨询。“我问她什么时候找工作，那位妈妈说等孩子过完暑假再找。我说不建议她现在去跟银行协商</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">还</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">款，因为就算她现在跟银行协商好了，没工作，协商完还是还不上钱，那就有法律风险了。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">”</span></span></span></p><section style="text-align: center; margin-left: 8px; margin-right: 8px; margin-bottom: 0px;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pic.app.58cammp.com/FgKpIf6r45bPR2KZ6ieJKH2F_mSE" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; color: #888888; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: bold; letter-spacing: 0.544px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; float: none; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-caps: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 0.034em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">小七在社交平台推出了自己的1对1咨询服务</span></span></strong></span></strong></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; color: #888888; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: bold; letter-spacing: 0.544px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; float: none; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-caps: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 0.034em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </span></span></strong></span></strong></span></p><section style="-webkit-tap-highlight-color: transparent; margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); clear: both; min-height: 1em; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; font-size: 17px; text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.188px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); text-align: center;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: 17px; text-indent: 0em; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #07c160; font-family: PingFang SC, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: #d93f3f; font-family: PingFang SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"><span style="clear: both; min-height: 1em; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; text-indent: 0em; font-weight: bold; color: #d93f3f; text-align: justify; caret-color: #d93f3f; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">人情债比逾期还难</span></span></strong></span></strong></strong></strong></strong></strong></strong></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">2020年，李胜决定关掉线下店，专做网店。那时候他还很在乎征信，“我没法摆烂，我觉得不能这么早认输，认输了就很难再爬起来。”网店生意稍微有点起色，但赚到的钱，还是远远覆盖不了之前欠下的利息。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“其实当时最好的方法就是放弃，但是年轻气盛，怎么会想这么快放弃呢？”李胜感慨。最难受的，就是征信将爆未爆的那段时间，他想保住征信，于是不遗余力地找新口子去保证不逾期，但越来越重的爆雷危机令他痛苦不已。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">随着身边的人纷纷选择逾期，他的想法也发生了变化。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2022年，李胜的堂哥选择了逾期。电话打到李胜头上，这一次，李胜觉得“无所谓了”。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">一旦爆雷</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">，欠债人的亲朋好友都会接到催收电话，他原本觉得，这会形成一种压力，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“但当你把面子都放了的时候，这个东西就不重要了。生存都成了问题，还在意这些干嘛？”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">他现在觉得，崩了反而是好事，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“崩了就没有那么多事了，人情债是最难还的。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小七能理解李胜的这种心态。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“有可能是不想让别人看到自己不光鲜亮丽的那一面，也有可能是开不了口。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她有一个客户，基本工资有</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">1.2万，但他还是在互联网贷款平台上逾期了2600块。“逾期后他慌了，来问我怎么办。”小七说。由于这位客户逾期金额并不算大，小七问他有没有亲友可以帮忙垫付周转一下，“客户说没有，要有的话，就不会问我了。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">社会关系，是悬在所有欠债人头上的达摩克利斯之剑。小星星一度万念俱灰。</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">在</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2022年逾期前，她</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">曾</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">焦虑到不知该怎么活下去。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">直到逾期以后，她发现其实爆通讯录也并不可怕。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“现在我知道了，只有一些小银行和网贷平台才会爆通讯录，我借款的银行都比较正规，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">只会</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">联系</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">我填写的</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">紧急联系人，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">真正给我爆通讯录的就只有网贷平台，另外，被限高其实没什么了不起的，限高不就是限制出行和消费吗？对于没钱的人来说，根本没有任何限制，我已经没钱了，既不贷款也不旅游。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">当时，小星星在失业中，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">觉得</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">逾期</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">产生的</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">罚息</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">太高了，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">就想</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">通过</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">打官司</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">来</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">降低罚息。</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">那家</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">银行</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">找过来，她也没说失业了，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“我说我不还了，我觉得你这个利息太高了。然后对方就不调解了，继续开庭</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">但</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">在</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">准备</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">官司的</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">过程中，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小星星</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">了解</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">到，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">法院</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">会</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">支持</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">金融机构的</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">罚息</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">。</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">加之</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">又</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">找到</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">了</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">新工作</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">于是</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">最终</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">决定</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">接受</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">调解，</span></span></span><span style="font-family: 宋体; color: #000000; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">履行平台的执行方案。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“我欠本金21万，罚息10万，等于欠了31万。当时我手里有一定的存款，这个钱放我这儿，又不能产生20%的利息，所以就决定先还15万。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; color: #000000; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">直到逾期之后，小星星才明白，焦虑，源自没完没了的利息，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“我在逾期前并不敢去计算，也不知道自己的本金跟利息到底有多少。不知道这些债务什么时候能还清，人生没有希望，但是逾期以后，我突然意识到，自己的本金和利息都是有上限的，超过上限，法院也不支持，所以我一下子觉得人生可以重新开始了。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">根据马海瑞的经验，如果负债超过了个人五年的整体收入水平，那么欠债人就很难依靠自己的力量，去还上这笔钱。从个人的选择角度而言，最好的方式，就是逾期谈判。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">马海瑞告诉深一度，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">逾期虽然会面临催收、征信损害</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">的情况</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">，但可以避免债务无限扩大。逾期后，债务人可以与债权人协商停息挂账</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">。</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">根据《商业银行信用卡业务监督管理办法》</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">相关</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">规定，在特殊情况下，确认信用卡欠款金额超出持卡人还款能力、且持卡人仍有还款意愿的，发卡银</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">行可以与持卡人平等协商，达成个性化分期还款协议。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">但据马海瑞观察，自从</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">2024年以来，欠债人群体呈现人数越来越多，逾期额度越来越小的情况。他所接触的最少的人，只逾期了1600块。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“小额逾期，多发生在毕业生群体中。有些毕业一两年的年轻人，一方面可能家庭没法给太多支持，另一方面他的收入可能不足以支撑他的支出，所以逾期的人数最多。”马海瑞说。去年，在他这里形成案子的逾期案件，大概有十七八个，更多的是没法形成案子的小额逾期。</span></span></span></p><p style="margin-left: 8px; margin-right: 8px;"> </p><section style="text-align: center; margin-left: 8px; margin-right: 8px; margin-bottom: 0px;"><img class="rich_pages wxw-img js_insertlocalimg" src="https://pic.app.58cammp.com/Fv4L1ppMVKTZzDjToHBHTWlUDIRj" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; color: #888888; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: bold; letter-spacing: 0.544px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; float: none; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-caps: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 0.034em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">网上负债人晒出的账单</span></span></strong></span></strong></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; font-size: 18px; font-family: Songti SC; font-kerning: auto; font-feature-settings: normal; font-optical-sizing: auto; font-variation-settings: normal; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; caret-color: #888888; color: #888888; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 12px; font-style: normal; font-variant-caps: normal; font-weight: bold; letter-spacing: 0.544px; orphans: 2; text-align: left; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; float: none; box-sizing: border-box !important; overflow-wrap: break-word !important; display: inline !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-caps: normal; letter-spacing: 0.544px; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; color: #000000; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; letter-spacing: 0.544px; background-color: #ffffff; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 0.034em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 12px; color: #888888; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: transparent; margin-top: 0px; margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </span></span></strong></span></strong></span></p><section style="-webkit-tap-highlight-color: transparent; margin: 8px 8px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); clear: both; min-height: 1em; text-align: center;"><img class="rich_pages __bg_gif wxw-img" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; font-size: 17px; text-align: justify; text-indent: 0em; caret-color: #07c160; font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-weight: bold; color: #222222; letter-spacing: 0.54px; visibility: visible !important; width: 562.188px !important;" src="https://pic.app.58cammp.com/Fj8HpNUeTidNWocIPaKdbJYImhFJ" alt="图片" /></section><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: #ffffff; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); text-align: center;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; caret-color: #07c160; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #000000; color: #000000; letter-spacing: 0.578px; text-align: justify; font-size: 17px; text-indent: 0em; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; text-indent: 0em; caret-color: #888888; color: #888888; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; text-indent: 0em; letter-spacing: 0.578px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: 12px; letter-spacing: 0.544px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; caret-color: #07c160; font-family: PingFang SC, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: #d93f3f; font-family: PingFang SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: justify; caret-color: #d93f3f; visibility: visible;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff;"><span style="clear: both; min-height: 1em; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; orphans: 2; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; text-indent: 0em; font-weight: bold; color: #d93f3f; text-align: justify; caret-color: #d93f3f; font-size: 16px; visibility: visible; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">重新开始</span></span></strong></span></strong></strong></strong></strong></strong></strong></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">在正式开始整理债务之前，小七不知道还有</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“协商还债”这个选项，在踩了其他的坑之后，她才发现，原来实在还不上钱的时候，可以去找银行协商。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她第一家协商的银行是招商银行，但先后三次沟通后，银行都没同意她的申请。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">一位在北京的地方银行人员告诉深一度，对于协商还款，银行有着比较严格的要求。首先要欠债者主动联系银行，其次，欠债者要提供的确没法按时还款的困难证明，并且银行还要评估欠款者具有还款能力，只是暂时没有办法按期还，而不是不愿意还。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“收入稳定是一个比较重要的指标。此外，欠款人要有靠谱的还款方案，保证他们能按照这个方案还。”该银行人员说。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“我直接上来就说我还不上款了，我想进行协商还款。实际上，要表明你现在出了什么状况需要协商还款，要把诚意表达出来。再跟银行去沟通，银行才给我做了分期协议。”小七事后总结。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">跟四家银行都协商之后，小七在银行这边的还款压力减小到了每月两千多，这为她争取了更多的时间。加上网贷的平台的负债，她每个月只需还不到</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">1万块钱。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">为了还钱，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">她</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">每天早上四五点</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">就</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">起床剪视频，中午午休的时候，还会去做线上平台的客服，</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“中午抢两单，晚上抢一个班，一天三个班，再做点其他的兼职。每个月能多赚一点是一点。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">以前，她很不理解为什么有人会失信，甚至会循环欠债，但自己欠了债之后，她反而能理解这些人了。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“每个人的情况是不一样，有些人确实要理解。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">找过来的客户，除了想要咨询，还希望能获得安慰。做了一段时间的</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">1对1咨询后，小七提高了咨询单价。“其实我有抑郁症，如果接收太多来自别人的负面情绪，我自己会化解不开。”小七说。</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt; background: #ffffff;"><span style="font-family: 宋体;"><span style="font-size: 15px;">小星星也在做</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">1对1的咨询，</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“我不安慰别人。只告诉别人怎么解决问题。有人担心征信坏了，我就会告诉他征信坏了有什么实际影响；有人不敢逾期，但实际上收入和债务差距过大——月入八千，欠款五十万，还要还房贷，那么这种人需要知道先逾期哪一个，在逾期以后如何谈到本金分期的方案；还有逾期</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">久了</span></span></span><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">会遇到起诉的话，需要面对什么问题，如何解决和让自己的情况好转。</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">“实际上，能够解决事情的只有自己，我也只能做到帮忙。”小七把自己化解债务、寻找兼职每一步都写在帖子里，希望能给其他欠债人一些鼓励和思路。“我也是看到其他负债的博主，他们也在努力。那我也努力，毕竟欠债还钱天经地义。”</span></span></span></p><p> </p><p style="margin-left: 8px; margin-right: 8px;"><span style="font-family: 宋体; font-size: 10.5pt;"><span style="font-family: 宋体;"><span style="font-size: 15px;">但李胜还在逾期和继续</span></span><span style="font-family: 宋体;"><span style="font-size: 15px;">“开口子”之间摇摆。他告诉深一度，他又去谈了三个新中介，觉得不靠谱，“看到这种嘴脸，像吸负债人最后一滴血，我又摇摆了。”</span></span></span></p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); background-color: #ffffff;"> </p><p style="-webkit-tap-highlight-color: transparent; margin: 0px 8px 24px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; caret-color: rgba(0, 0, 0, 0.9); background-color: #ffffff;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px; font-family: PingFang SC, Hiragino Sans GB, Microsoft YaHei, WenQuanYi Micro Hei, Helvetica Neue, Arial, sans-serif; letter-spacing: 1px; font-weight: bold; color: #000000; border: 0px initial initial;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">来源：北青深一度</span></span></p><p style="display: none;"> </p></section> <!----></div> 逾期欠款不可怕，只要努力赚钱才是王道
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