网贷小伙：我网贷逾期，要去坐牢了，律师：想坐牢？你还不够资格
互联网金融高速发展的今天，网贷成为互联网金融下的产物，网贷改变了很多借款人的生活方式，同时不正规平台的暴力催收和网贷逾期所造成的后果，也给借款人带来了很多麻烦。
小张，90后小伙，之前因为超前消费，欠下了几笔网贷，由于囊中羞涩，工资只够自己花的，所以网贷开始逾期。而且平台也发来多次信息，说要起诉小张，小张很慌张，向小编求助，这样的情况是不是就要坐牢了呢？
针对此类事件，小编也咨询过金融方面的律师，律师称：只有两类情况下，借款人是有可能会坐牢，一种是借款人在借款的时候存在诈骗行为，也是就是所谓的骗贷，是需要付法律责任的，还有一种就是借款人被起诉，法院判决了后，拒不履行还款义务的。
所以小张也不必慌张，那些信息，应该是放款方委托的催收公司，为了达到小张还款的目的，发信息来吓唬小张的
骗贷行为是指有些用户，在借贷的过程中，利用假名、假住址或假证件来掩盖真实身份，通过变换手机号码、居住地点等方式隐匿行踪，提供虚假的担保文件、证明文件等。
这些进本都是针对大额企业贷款的，像我们的网贷，基本都属于小额贷，都是用信用做的担保，所以骗贷的可能性都是很小的
很多网贷平台在你逾期后，给借款人发短信，或者通知借款人，说你合诈骗，或者出具律师函和法院传唤的短信什么的，基本都是网贷平台委托的催收平台的，他们的套路，基本都是不可信的，因为基本百分九十的网贷属于民事纠纷，是不构成违法犯罪的
在这里边小编也要提醒大家，不到万不得已千万不要去借网贷，如果真的要借，借网贷之前一定要先去了解一下自己的个人资质，本来你可以借低息大额的借款，很多不良平台却忽悠你，说你是网黑只能借高利贷，我们在借款前，可以通过支付宝的“腾信图”，里面寻找投诉渠道、查网黑程度和大数据，网查征信流程都有讲解！
正常如果不是骗贷，会坐牢只有一种情况，就是在出借人去法院起诉，法院判决下来了，而借款人拒不履行，那么你能就要面临牢狱之灾了
还有一点大家需要注意的就是，正规的网贷平台，他在法律定义上只是一个中介机构，真正的放款人是网贷平台P2P的投资人，所以其实网贷放款平台不是借款人真正的债主
所以很多借款人也无需太担心，正常不超过逾期金额如果不是太大，借款方也是不会去起诉你，因为起诉流程很麻烦繁琐，还需要很多的时间，所以很多放款方在借款人逾期后，基本上都是选择催收，而不是通过法律途径去解决
借款人如遇暴力催收，或者不符合国家规定的利率都可以通过法律途径去解决
不知道大家还有什么不同的看法呢？
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