Let me talk about my opinion first. The advantages of introducing the maximum interest rate ceiling for private lending certainly outweigh the disadvantages. Because it can regulate a large number of online lending platforms. Now when people mention online loans, adjectives such as usury appear immediately. In fact, online lending itself is also a kind of credit loan, which is no different from borrowing. It's hard to say, you have set a minimum repayment amount or installment repayment, then you are already using online loans. It's just that the interest on flowers and loans is relatively low and transparent.

So what is usury? According to the relevant laws of our country, when the interest exceeds 36%, it belongs to the category of usury. Moreover, usury is strictly prohibited in our country. For example, if you borrowed 10000 yuan from Xiaoming, Xiaoming asked you to give him 40% interest. You agreed and signed the contract. But in the end, you only need to pay back the original principal 10000 yuan and 36% interest. The remaining 4% is totally unnecessary. It is useless for both parties to go to court.

Prohibiting usury is a protection for the healthy development of society. I don't know if you have heard of campus loans. The so-called campus loan is actually a kind of usury. Campus loans specifically harm all kinds of students. Even the collateral is naked photos of you. This is already suspected of a criminal offence. A few years ago, many students were forced to commit suicide by this kind of campus loan. Caused a serious social impact. Therefore, the policy introduced this time refers to these campus loan platforms.

Usury is evil, but the borrower is not innocent. As students, we should establish a good consumption concept. I'm here to boast that when I was in college, everyone in our dormitory liked to play. Living expenses are naturally insufficient, but the creed we follow is how much we earn and spend. In order to go out to drink, eat and play. We will work part-time at the school gate after class from Monday to Friday, or on the dormitory online. Generally speaking, after graduating from college, there are still thousands of dollars in my pocket.

I saw the news and thought for a long time. Consumerism gave birth to the online lending platform, and the formal online lending platform is more stringent. Some students who are influenced by consumerism will not lend money online, nor do they want to go out to work and study. On the one hand, they want to buy all kinds of fashionable luxury goods. This has created a demand for usury and campus loans. Where there is demand, there is market. All kinds of usury came into being. A friend of mine borrowed a campus loan of 10000. It's almost seven years since he graduated from college, and he hasn't paid it off yet. Its harm can be seen.

Consumerism can stimulate people's desire for consumption to a certain extent and contribute to the capital flow in the market. Can provide benefits for economic development. But before you believe in consumerism, please remember four words: "live within your means." This is a necessary measure to prevent people from rolling in the deep. Earning money is very important, but the purpose of earning money is to spend money. But spend money in moderation.