According to the report, on the one hand, the education department stopped "campus online loan" because "usury" made students without financial resources in trouble. The campus online loan interest rate is generally between 20% and 30%, which is 4. 12-6. 19 times of the bank's one-year benchmark interest rate. If students don't pay back on time, they need to pay 12.
In addition, once the university loans overdue, online lending institutions will even send people to collect debts, which will not only disturb students' mood, but also seriously affect the normal operation order of the school. More serious online lending institutions will also publish nude photos and identity cards of female students who owe money online, which will have a bad impact on normal social order.
When college students borrow money from multiple online lending platforms, they don't buy enough digital products such as computers and mobile phones, but also buy some luxury goods used by adults, thus forming a bad habit of overdraft consumption. Online lending institutions come to collect debts, and they have to flee to avoid debts and even commit suicide.
I hope that college students will spend rationally and don't fall into the trap of campus loans!