Criminals aim at colleges and universities and take advantage of the poor social cognitive ability and psychological fragility of college students to carry out short-term and micro-loan activities. On the surface, this kind of loan is "small profits but quick turnover", but in fact, criminals get 20-30 times the bank's interest rate and make students' money at will.
The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses and have bad habits at ordinary times, then the expenses provided by parents are definitely not enough to meet their needs. Therefore, these students may turn to campus usury to obtain funds, which may lead to gambling, alcoholism and other bad hobbies, and may seriously skip classes and drop out of school because they are unable to repay.
When making a loan, some lenders will require certain value items as collateral, collect students' student ID cards and copies of their ID cards, and are very familiar with students' personal information. Therefore, once students fail to repay their loans on time, lenders may resort to intimidation, beating, threatening students and even their parents to collect debts violently, which will do great harm to the personal safety and campus order of college students.
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Campus loans seriously disrupt the campus environment and market environment, and seriously endanger students' personal and property safety and social stability. The Ministry of Education and other departments jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans in 20 17, explicitly requiring institutions established without the approval of the banking regulatory authorities not to enter the campus to provide credit services for college students.
The public security organs have always maintained a high-pressure attack on campus loans. Not long ago, Shenyang Public Security cracked a campus loan case involving 10 million yuan. In addition, many commercial banks increase the research and development and promotion of financial products such as student aid, training, consumption and entrepreneurship in colleges and universities, and provide standardized and legal financial services for college students, thus driving non-performing online loans out of campus.