? Non-performing loan platforms such as "campus loan" and "cash loan" not only charge interest according to the loan principal, but also have various additional terms such as "handling fee" and "deposit". The comprehensive financing cost is extremely high, which is actually a disguised usury. After loans overdue, various threats, such as telephone collection, online personal information disclosure and even violent collection, will seriously affect students' study and mental health. Students must strengthen their awareness of self-protection, take the initiative to understand the basic knowledge and laws and regulations related to financial loans, constantly enhance their ability to distinguish, and resolutely resist all kinds of illegal online loans.
Second, improve financial literacy and know how to identify financial scams.
In modern society, finance is closely related to everyone's life. How to effectively resist all kinds of risks while enjoying and using financial development to improve life? In this regard, it is particularly important to master the necessary financial knowledge and improve their financial literacy. Students should pay attention to learning the necessary financial knowledge and skills in life, avoid falling into various financial scams due to lack of risk awareness or discrimination, improve their ability to identify and resist peer-to-peer lending business, and consciously choose legal and formal financial institutions to handle financial business.
Third, cherish personal credit and safeguard their legitimate rights and interests.
People can't stand on their feet without faith, and modern society is an honest society. Students should establish the values of "credit is the foundation of life", consciously cultivate the spirit of contract and honesty, pay attention to the protection of personal information, and avoid the inconvenience caused by weak credit awareness to daily life, further studies and employment, and enjoy various preferential policies, thus affecting their own life development.
Fourth, establish a healthy consumption concept and carry forward the virtue of thrift.
College time is beautiful and precious. Students should stick to their studies, abandon the psychology of comparison, not blindly follow, compare and show off, and control the behavior of early consumption and overdraft within a reasonable range to form a correct consumption concept and values. Rational consumption, living within our means, and advocating the virtue of thrift.
Fifth, enhance the awareness of network security and strive to be a good financial netizen.
At present, financial fraud using the Internet as a tool has increased significantly. Students should strengthen their awareness of network security, understand the common forms of financial fraud and deception, improve their vigilance, and consciously resist illegal financial advertisements, illegal fund-raising, telecom fraud, bank card theft and so on. Do not create or spread financial rumors, condone or compromise illegal financial activities, and maintain a clear cyberspace.