Campus loan refers to the behavior of students borrowing money through various lending platforms. According to the survey, many college students are now using campus loans. On April 20 16, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Prevention and Education Guidance of Peer-to-Peer Lending Risks in Bad Campus, explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for Peer-to-Peer Lending in Bad Campus, and at the same time establish a disposal mechanism for Peer-to-Peer Lending in Bad Campus.

Second, the application of national student loans on campus

Generally, the national student loan in the school is a bank card issued by the school.

Third, what is campus loan?

Campus loan is a kind of loan product for college students, which generally provides convenience such as no mortgage and no credit record. The application materials are simple, the review period is short, and the loan amount is relatively small.

This kind of loan is very popular on university campuses, because for students who lack financial management experience, getting funds quickly can often solve some urgent life problems. However, due to some risks and defects related to specific issues such as interest rate and overdue, campus loan has also become a controversial financial topic, and both students and parents should weigh and be cautious about their loan choices.

Four, the campus loan refers to

1. Campus loan mainly means that the victim only needs to provide the student ID card and ID card to the illegal lending platform or borrower, and at the same time provide his family's phone number or common contact person; You can borrow thousands or even tens of thousands of yuan in cash, which has become a loan method with simple loan procedures, low loan threshold and large loan amount on campus. 2. When the victims of "campus loan" need to borrow again, criminals will force the victims to borrow from the gang members introduced by them by signing inflated loan contracts and generating high overdue fees; Form a routine loan, and finally use a false contract to recover the arrears from the victims and their families. 3. Guiding Opinions of China Banking Regulatory Commission on Banking Risk Prevention and Control. Peer-to-peer lending information intermediaries shall not include borrowers who are unable to repay their loans in the marketing scope; It is forbidden to provide online loan services to college students under the age of 18, not to conduct false and fraudulent publicity and sales, and not to distribute them in disguised form through various means. Further improve the qualification identification, approval, filing and audit of campus loans. : Introduction to the classification of campus loans: 1. Strictly speaking, it can be divided into four categories: consumer finance companies-such as interesting installment and installment, and some also provide lower withdrawal quotas; P2P loan platform (online loan platform) is used for college students to help them start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business; Offline private lending-private lending institutions and lenders, commonly known as. There are usually some problems, such as false propaganda, offline signing, illegal intermediary, charging ultra-high rates and violent collection. Victims usually suffer huge property losses and even threaten their own safety; Banking institutions-campus products provided by banks for college students, such as "lightning loan for college students" of China Merchants Bank, "Golden Bee Campus Express loan" of China Construction Bank and "Learning E loan" of Qingdao Bank.