The harm is too great. Now these online loans are basically harmful. Campus loans are mainly aimed at college students who have no repayment ability, and their consumption psychology is endless.

First, campus loans are of a nature;

Second, campus loans will breed bad habits of borrowing students;

Third, if the loan cannot be returned in time, the lender will use various means to collect debts from the students;

Some criminals use ""to commit other crimes.

Although campus loan has the advantages of convenient application, simple procedures and rapid loan, it also has the characteristics of lax information review, high interest rate and high liquidated damages. Students may fall into the trap of "chain loan" under the inflated consumption desire and fluky psychology, and it is urgent to strengthen supervision.

The risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

With the increasing number of student online loan platforms, only by lowering the loan interest rate and increasing the loan amount will more and more student borrowers fall into the installment trap, discrediting their own reputation, reducing the profitability of the platforms and causing losses.

What are the hazards of campus loans?

At present, the hazards brought by campus loans mainly include the following:

1, which is much higher than the interest of the principal. At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.

2. Bring troubles to classmates and family around you. Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3. Once overdue, the dunning is "all-round". In some cases, once the student loan is not repaid, the online lending platform will not recover the money through proper channels. Instead, they will use threats such as sending text messages to parents, relatives and teachers, posting posters on campus, and even arranging people to stop them, urging students to pay their debts.

It is easy to breed the bad habit of borrowing. Some students like to compare with others and have bad habits. The expenses provided by parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

5, easy to induce other crimes, lenders may use the campus "student collateral, deposits, or use student information to engage in telephone fraud, fraudulent credit cards, etc.

The Harm of Campus Loan

1. Once overdue, the dunning is "all-round". In some cases, once the student's payment is not paid, the online goods platform will not recover the payment through proper channels, but will use threats such as sending text messages to parents, relatives, friends and teachers, posting posters on campus, and even arranging people to block the door to urge students to pay their debts.

2. It is easy to breed the bad habit of borrowing. Some students like to compare with others, while others have bad habits. The expenses provided by parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

3. It is easy to induce other crimes. Lenders may use students' mortgages and deposits on campus, or use students' information to make phone calls to defraud credit cards.

1. Campus loan refers to the behavior of students borrowing from formal financial institutions or other lending platforms. 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. 2065438+September 6, 2007, the Ministry of Education issued a clear statement that "campus loan business is prohibited, and no online lending institution is allowed to issue loans to college students." 2065438+On September 4, 2008, People's Daily published an article "There are chaos in some campuses, such as leaseback loans, job-seeking loans, training loans and entrepreneurial loans".