网贷平台倒闭了，出借人和借款人都成了受害者
去年可谓是网贷平台最难的一年，下半年开始网贷平台的倒闭潮一直延续到了今年，也有不少的网贷平台负责人潜逃到了国外，导致出借人一生的积蓄付之东流。
平台虽然是倒闭的倒闭，跑路的跑路。但是借出去的钱毕竟是到了借款人的手里，出借人还是抱有着一线希望的。欠债还钱天经地义，即使没有了平台，这些出借人也仍然是借款人最大债主，也有权向借款人讨要。
然而事情并没有那么简单，出借人觉得自己的积蓄突然没了，心里苦不堪言。而借款人也好不到哪里去，也觉得自己是受害者。甚至认为没有出借人的借款也不会把自己害成这种地步。
虽然钱确实是借给了借款人，但是高额的利息早就让借款人承担不起，如果按照民间法定的利息来计算，大部分借款人早就还清了欠款。但按照网贷所定的费用来偿还，可能借款人一辈子都偿还不清。借款人该付出的都已经付出了，却仍然遭受到催收。有的借款人甚至被折磨得众叛亲离，家破人亡，这种损失是用金钱都无法弥补的。好不容易把平台熬黄了，也没有理由继续让借款人偿还非法的费用。
双方各有个的理，闹得沸沸扬扬，即使国家介入也很难办。一方面还有保护出借人的钱，另一方面也要保护借款人的合法权益。还有的一些非法的网贷平台存在偷税漏税的现象，经侦一查还欠着国家的税款没给呢。钱都让平台霍霍光了，总不能让国家出这份钱吧，纳税人也不能同意。国家介入也只能是帮忙催收真正不还钱的老懒，把平台的剩余资产拍卖来弥补出借人的损失。
这股网贷平台的倒闭潮实在太厉害，有一些正规的平台都承受不住，最终不得不做清算处理。有一些借款人趁着这股倒闭潮故意拖欠欠款不还，到处宣扬平台的不是，加上倒闭潮的风声紧，很快就让平台的资金链断裂。很多地方都趁火打劫，平台想通过变卖固定资产来解决资金链问题，购买方一旦知道是这种事就会把价格压得很低。多方面因素也使得正规网贷平台面临了倒闭。
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