Campus loan concern is a kind of loan specially tailored for students. And ant borrowing is open to everyone. 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."

The current application threshold for ants is sesame score above 600. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, which can be repaid with the loan.

Extended data

Strictly speaking, campus loans can be divided into five categories:

1, an e-commerce platform with e-commerce background- Credit services provided by traditional e-commerce platforms such as Taobao and JD.COM, such as ants borrowing flowers, reserve funds, and JD.COM campus white bars;

2. Consumer finance companies-such as interesting staging and staging. Some of them also offer lower withdrawal quotas;

3.P2P loan platform (online loan platform) is used for college students' education and entrepreneurship, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;

4. Offline private lending-private lending institutions and lenders, commonly known as usury. Usury usually carries out false propaganda, offline contracts, illegal intermediaries, and charges ultra-high interest rates. At the same time, there are problems such as violent collection, and victims usually suffer huge property losses and even threaten their own safety.

5. 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.

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