Once used by malicious people, it will cause personal reputation and loss of interests, and may even be sued. Like the above-mentioned incidents, if the personal information is cheated to borrow from the Internet financial platform, not only will the cash be lost, but the non-performing loan information may also be entered into the credit information system, which is not conducive to buying a house or car loan in the future.

2. The loan must go to the formal platform.

Due to the insufficient supervision of Internet finance at this stage, there are many platforms to buy sheep's heads and hang dog meat. Be sure to log in to official website for a closer look, and search and compare all kinds of evaluation information. In addition, you have to call the borrower to confirm whether it is the borrower himself and whether the funds are used properly.

The loan must be used in the right direction.

At present, college students are still in the consumption period and their repayment ability is very limited. If it is overdue, parents will eventually pay the bill, which will increase their burden. Therefore, college students must be cautious about online loans.

4. Don't trust loan advertisements easily.

Some fake and shoddy advertisements on P2P peer-to-peer lending platform lure college students to register for loans, and the copy says that it helps students solve the basic difficulties in their study and life at school. In fact, such usury, inducing loans and increasing credit lines, can easily lead students to fall into the trap of "serial loans".

5. Establish a correct concept of consumption.

College students should fully understand the hidden dangers and risks of network non-performing loans and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific concept of consumption, and try not to lend money and shop on online lending platforms and installment shopping platforms, because interest and liquidated damages are high, and the excellent quality of hard work, simplicity, diligence and thrift is cultivated; We should actively learn about finance and network security and stay away from bad online loans.