Suning blockchain blacklist
"The unique credit mechanism built by blockchain technology is very promising," Qiao Xinliang, vice president of Suning technology group, told reporters. On July 20, 2018, Suning Technology Research Institute, Suning Financial Research Institute and Suning cloud jointly released the "Suning blockchain white paper", which interprets in detail the application scenarios of blockchain in Suning's advantageous instries such as retail, logistics, science and technology, finance, cultural and creative instries and public services, and points out the development route for many instries that blockchain technology can serve in the future. At the same time, based on the in-depth study of the application mode, landing scenarios and solutions of the blockchain in the smart retail ecosystem, this paper focuses on the specific solutions under each scenario
"large companies, especially those with a large number of instrial layout, have advantages in the application of new technologies such as blockchain. Because these companies have the commercial infrastructure and data operation ability to promote the use of technology, they can more effectively promote the aggregation of Commerce and accelerate the landing application," said Liu Xiaofan
content source: Sina Finance
although the currency circle is in a bear market, blockchain is not useless without cryptocurrency
the blockchain instry has developed rapidly in recent years, and more and more blockchain technologies appear in front of people. More and more blockchain applications are landing, blockchain e-invoice, blockchain traceability, blockchain finance and so on. Talents in the blockchain instry are also very scarce. Many colleges and universities in China have set up blockchain courses to provide talents for the blockchain instry
the development of a new technology will inevitably encounter setbacks, and the blockchain instry will grow stronger in the future.
the loan is overe
there are short-term and long-term overe loans, and the consequences are different e to different overe periods. However, most people have many misunderstandings about overe loans. It's too late to repent until serious consequences are created<
short term overe loan and its consequences
different funding institutions have different definitions of short-term overe time. For short-term overe loans, institutions generally do not take compulsory measures to remind and collect repayment. The consequences are as follows:
1. High penalty and liquidated damages
after overe loans, in addition to the repayment of interest and principal, they also need to pay high penalty interest and liquidated damages
2. Leave personal credit stain
overe records will be left on the credit report, even after repayment, the overe records will be kept for 5 years. Overe records will affect almost all subsequent financial activities of overe persons
3. After receiving the short message and phone call for collection, the lending institution will continuously send short messages and call to collect the overe funds, inform the borrower of the serious consequences of overe, and order the borrower to return the overe principal and interest within a time limit<
long term overe loan and its consequences
generally speaking, overe for more than 90 days will be regarded as malicious overe by lending institutions. The bank can sue and recover any malicious overe for more than 90 days, regardless of the amount. After the court's judgment, it released the information of the dishonest person (Lao LAI) to the public to limit his high consumption and high-speed rail flight
as the regulatory bureau is becoming more and more strict and the online loan platform is becoming more and more standardized, many online loans are now used for credit reference, so credit reference records are of great concern to all borrowers. Today I'm going to popularize the knowledge of online loan credit reference, hoping to help you< First, the processing of online credit records is very "humanized"
compared with traditional banks, online credit reference is much more humanized, that is to say, it will give a certain grace time to inadvertently overe e to a moment's negligence. However, if you are in arrears for a long time, it will be easy to have the borrower's tainted record, which is also a key point in the credit reference system and has a very serious impact on indivials< According to the regulations of the people's Republic of China on the administration of credit reference instry, the retention period of bad personal information of credit reference institutions is five years from the date of termination of bad behavior or event. After paying off the principal, interest and liquidated damages, the bad records will not be found by other banks for more than five years. It is worth noting that at present, the credit stain will still be preserved until the loan is settled. So we must cherish our credit record< 3. The retention period of overe bad credit records of credit cards is 2 years
the repayment information of credit cards will be recorded by the central bank's credit reference system for 24 months. If the cards are cancelled, the records will be saved for a long time. Therefore, it is suggested that the credit card users should continue to use the card for two years after paying off the debt, and keep good credit ring this period, so that the bad records can be removed from the credit system by rolling records
the above three are all established in the case of short-term default. If the overe information has been uploaded to the people's Bank of China for too long, then pay off the debt and wait for the system to automatically eliminate it after five years.
They will be prosecuted for enforcement, and if they refuse to carry out the sentence, they will go to jail
Article 107 of the contract law of the people's Republic of China where a party fails to perform its contractual obligations or fails to perform its contractual obligations in accordance with the agreement, it shall bear the liabilities for breach of contract such as continuing to perform, taking remedial measures or compensating for losses Article 108 if a party makes it clear or indicates by its own conct that it will not perform its obligations under the contract, the other party may require it to bear the liability for breach of contract before the expiration of the time limit for performance Article 313 of the criminal law of the people's Republic of China [crime of refusing to execute a judgment or written order] if a judgment or written order of a people's court is able to be executed but refuses to be executed, if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined In January 2012, Zhang Qiang applied for a bank credit card and signed a related agreement. In November 2013, Zhang Qiang was told that the credit card generated overe interest of more than 600 yuan; As of July 2017, the penalty interest and overe fine accumulated to 3136 yuan, and the bank reported its bad credit record to the people's Bank of ChinaZhang Qiang said that the reason why the credit card was overe was that he was on a business trip on the credit card repayment day of that month and did not receive the repayment SMS. When he came back to Urumqi to see the email, he returned the money in time. He didn't agree with the fact that only three working days later the repayment would generate high interest
Zhang Qiang's life was affected because he was on the "credit blacklist". In March this year, he paid off the overe interest and overe fine, and applied to the bank to eliminate his bad personal credit record, which was rejected by the bank. In May this year, Zhang Qiang sued the bank to the people's Court of Shuimogou District, Urumqi City, Xinjiang Uygur Autonomous Region, requesting the court to order the bank to apply to the people's Bank of China for the cancellation of its personal bad credit records submitted before