In recent years, the flow of loans has been increasing in society and has given rise to widespread discussion and controversy. The loan brushes the amount of the loan or credit card, which the borrower uses to obtain through a false trade, and then diverts the money for other purposes without returning it to others. Such acts are problematic from several perspectives。

Why don't you pay someone for the loan

First, from a legal point of view. Loan brushes constitute manipulation of fraudulent transactions and fraud, in violation of our relevant laws and regulations. According to legal provisions such as the Penal Code and the Contract Law, the criteria for the conviction of fraud are the deception of public or private property for the purpose of illegal possession. The loan was a clear violation of the law and should be punished by law。

Second, from an ethical point of view. Loan brushing is an act of bad faith, contrary to the principle of good faith in cooperation. In social interaction, good faith is the basis for maintaining relationships between people, and the flow of loans seriously undermines trust between people. If such acts are not properly stopped and punished, they can lead to a loss of trust in society as a whole, not only to the detriment of cooperative relationships among individuals, but also to a negative impact on social development。

Again, from an economic perspective. Lending can lead to increased financial risk. To avoid the risk of lending, banks and financial institutions resort to a series of controls that increase borrowing rates and assessment processes and cause unnecessary distress to regular borrowers. At the same time, the flow of loans also undermines the level playing field in financial markets and affects the normal functioning of the economy。

Finally, from a personal perspective. The loan shrouded the water in an immeasurable loss to the borrower itself. On the one hand, the loan brushing is illegal and would be subject to legal liability if it is found; on the other hand, it can have a serious impact on the borrower ' s personal credit records and affect future credit consumption and borrowing. More importantly, in doing so, the borrower is in fact violating its own economic principles in order to escape irrational consumption and to limit the existing debt problem。