In recent years, with the rapid development of P2P platform in the field of P2P lending, campus lending, as a new field, has flourished because of its huge market potential. Usury, fraud-induced, and black-related debts have become the main problems on campus at present, which has aroused great concern of the society for campus loans.
Recently, the campus loan incident has continued to heat up and tragedies have been staged, which has brought extremely bad influence to families and society. In the face of a series of tragic events, should we reflect on ourselves while investigating the responsibility of campus loans? Contemporary college students live in a carefree environment, and their parents love them very much. They are not strong in distinguishing external things and lack corresponding preventive psychology in the face of external temptations.
Most students who borrow loans from campus are not really in dire need of money, but for some unnecessary consumption activities. Some female college students borrow them naked in order to buy famous brands and cosmetics. In the end, I often get nude photos because I can't afford the loan, which leads to more trouble. Some boys borrowed countless loans just to reward the anchor. This is because the entry threshold of the loan platform is too low to give them such an opportunity.
For college students, campus loan is not a convenient thing at all, it is a "drug" to attract college students. Even if some college students borrow money not to alleviate any temptation, it is not a reasonable excuse. Now, in order to encourage college students to start businesses, the state and schools have a lot of policy support, and the business loan doesn't even have interest. The failure to apply must be due to personal reasons and the project itself. At this time, if you don't reflect on the problem, you will definitely not be able to repay the loan.
Most college students are unable to repay these loans, so campus loans are not convenient for college students, and many speculators use this to deceive college students and obtain illegitimate interests. Now so many social news have also proved the harm of campus loans. Campus loans have not brought any help to college students, but have harmed many people.
Legal basis:
Measures of China People's Bank for the Administration of Student Loans
Article 4
Students studying in colleges and universities must meet the following basic conditions when applying for student loans: admission notice or student ID card, valid resident ID card; At the same time, two students or teachers should provide identification.
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Now many lending platforms are aimed at college students. Many campus loans provide loans to college students in various ways and channels, and some even violate the law. Many college students ruined their life and future because of campus loans. Because the way of borrowing is too easy and convenient, many college students can't help but be tempted to push themselves into the abyss. Campus loan is really a new way to destroy modern college students.
In recent years, with the rapid development of P2P platform in the field of P2P lending, campus lending, as a new field, has flourished because of its huge market potential. Usury, fraud-induced, and black-related debts have become the main problems on campus at present, which has aroused great concern of the society for campus loans.
Recently, the campus loan incident has continued to heat up and tragedies have been staged, which has brought extremely bad influence to families and society. In the face of a series of tragic events, should we reflect on ourselves while investigating the responsibility of campus loans? Contemporary college students live in a carefree environment, and their parents love them very much. They are not strong in distinguishing external things and lack corresponding preventive psychology in the face of external temptations.
Most students who borrow loans from campus are not really in dire need of money, but for some unnecessary consumption activities. Some female college students borrow them naked in order to buy famous brands and cosmetics. In the end, I often get nude photos because I can't afford the loan, which leads to more trouble. Some boys borrowed countless loans just to reward the anchor. This is because the entry threshold of the loan platform is too low to give them such an opportunity.
For college students, campus loan is not a convenient thing at all, it is a "drug" to attract college students. Even if some college students borrow money not to alleviate any temptation, it is not a reasonable excuse. Now, in order to encourage college students to start businesses, the state and schools have a lot of policy support, and the business loan doesn't even have interest. The failure to apply must be due to personal reasons and the project itself. At this time, if you don't reflect on the problem, you will definitely not be able to repay the loan.
Most college students are unable to repay these loans, so campus loans are not convenient for college students, and many speculators use this to deceive college students and obtain illegitimate interests. Now so many social news have also proved the harm of campus loans. Campus loans have not brought any help to college students, but have harmed many people.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.