1. Campus loan methods: At present, "campus loan" mainly has the following forms: one is to push loan advertisements to college students through the Internet platform to avoid mortgage and low interest as bait to induce student loans, and pay loan fees, management fees, security deposits and other fees, and stop contacting students after receiving the money. One is to collude with "vocational training institutions", hold vocational fingerprint lectures, exaggerate the training effect, sign training contracts with students who claim to improve their comprehensive skills, and collude with loan companies to induce students to borrow money from middle school students to pay tuition fees. There is also a more extreme, requiring students to provide photos, videos, ID cards and family phone numbers as collateral and guarantee for loans. Once students fail to repay their loans on time, they will use it as a threat to extort money. Width is less than 2. Characteristics of campus loan: 1. The means of guarantee and debt collection are dark, loan traps are set, and violent collection after loan is made, forcing college students to "naked" guarantee. 2. As a guarantor, you should be cautious under any circumstances, otherwise you will be jointly and severally liable for the loan. 3. Formal companies have formal processes. Any loan company that requires payment before lending can be counted as a fraud company. Please don't believe it. 4. When making online loans, there is a lack of basic anti-checking mechanism, and repayment ability is not examined, so college students with poor repayment ability are borrowed. 5. The interest rate is unusually high. The annualized loan interest rate of the general student online loan platform is between 10%-25%. In rare cases, the annual interest rate is as high as 70%. 6. Shopping by stages should be done according to one's ability and comprehensive comparison. At the same time, it is forbidden to repay loans with loans. 7. As a guarantor, you should be cautious under any circumstances, otherwise you will be jointly and severally liable for the loan. To sum up, we can see that the way of campus loan is usually accompanied by the disclosure of personal information, so whenever you are asked to provide personal information, you must be vigilant and don't easily fall into the trap set by scammers because of your desire for consumption. Of course, the most important thing is to do what you can and consume moderately.
What are the characteristics of college student loans?
College student loans have the following advantages:
1, the loan threshold for college students is low. Compared with other loan products, student loans do not require the borrower's repayment ability, and only need to provide poverty proof, identity certificate and student ID card to apply.
2. Students can enjoy interest-free discount when studying at school.
What are the characteristics of campus loans?
2065438+September 6, 2007, the Ministry of Education issued a clear statement that "campus loan business is prohibited, and no online lending institution may issue loans to college students.
The characteristics of campus loans are as follows:
1. Although campus loan has the advantages of convenient application, simple procedures and rapid loan, it also has the characteristics of lax information review, high interest rate and high liquidated damages. Students may fall into the trap of "chain loan" and need to strengthen supervision.
2. The risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of some students.
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What is the campus loan for?
Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. Campus loans are usually divided into three types: one is a staged shopping platform for college students, such as fun staging and term staging. , some also offer a lower withdrawal amount; The second is the P2P loan platform, which is used for college students' aid, training and entrepreneurship, such as investment loans, training loans and famous school loans. Third, credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao.
Campus loan has four characteristics: first, borrowers are basically college students, lacking the risk awareness of campus loan; Second, the loan amount was not high at first, but it quickly doubled, making borrowers overwhelmed; Third, abnormal means are often used to force repayment, such as exposure and telephone threats. Fourth, when students are unable to repay, they often look for parents and relatives to repay.
However, there are also regular campus loans at present, and the Agricultural Bank of China has micro-consumer loans for college students, which refers to self-help micro-credit consumer loans issued by the Agricultural Bank to full-time undergraduates, junior college students (including vocational college students), graduate students and students studying for a second bachelor's degree to meet their reasonable consumption needs during their school days in the form of pre-credit. Also known as "Agricultural Bank of China Campus Loan".
Application process of college students' small consumption loan (campus loan of Agricultural Bank of China): Applicants should provide valid identity documents, copies of student ID cards and other materials required by Agricultural Bank of China. Investigators witnessed the applicant's signature on the information collection form for confirmation. After that, the bank verifies the information in batches and carries out pre-credit. For college students who are included in the pre-loan database, they can apply for loans through our online banking and bank handling channels according to the "online loan" process. After automatic investigation, automatic verification of the quota and interest rate, and automatic approval, they will conduct self-service signing, credit utilization, repayment and other operations.
The borrower of college students' small consumption loan (Agricultural Bank Campus Loan) shall meet the following conditions:
1. At least 18 years old, with China nationality and full capacity for civil conduct.
2. Hold legal and valid identity documents and valid student documents.
3. When handling the loan, you must be an electronic banking customer of our bank and hold the security authentication tools issued by our bank.
4. The credit record meets the "online loan" standard.
5. The credit score meets the access requirements.
6. The loan purpose is reasonable, compliant and clear. Under any of the following circumstances, the borrower shall not be granted a pre-credit line: 1. The borrower violates the law or seriously violates the school rules.
7. Excessive consumption or other improper lending behavior.
Small consumer loans for college students (campus loans of Agricultural Bank of China) are used for reasonable consumption purposes such as college students' consumption, training and student assistance. It shall not be used for house purchase, securities, futures investment or other purposes prohibited by laws and regulations. Please consult your local Agricultural Bank for details.
What are the characteristics of national student loans?
Characteristics of national student loan
1. The borrower does not need to provide guarantee and mortgage;
2. The national student loan is dominated by the government, with convenient application procedures and fast disbursement;
3. The loan term is long and there is no interest during school.
Expand one's knowledge
Under the condition of socialist market economy, the national student loan is a measure taken by the state to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities. The purpose of state loans is to help college students with financial difficulties pay tuition, accommodation and living expenses during their studies at school. At the same time, the national student loan is a credit loan. Students do not need to apply for loan guarantee or mortgage, but only need to promise to repay the loan on time and bear relevant legal responsibilities. The interest rate of the national student loan is only the benchmark interest rate issued by the central bank in the same period, and it is the loan with the lowest interest rate. At the same time, the longest repayment period of the loan is 20 years, and the grace period for repayment of the principal is 3 years. During the grace period, only the interest needs to be repaid, not the principal. The repayment terms are excellent. The conditions for applying for a national student loan are as follows: 1. Undergraduates with financial difficulties (including higher vocational students), second bachelor's degree students and graduate students. 2. People with China nationality and over the age of 16 need to hold Chinese identity cards. 3. Have full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians). 4. Honest and trustworthy, law-abiding, no illegal behavior. 5. Study hard and finish your studies normally. 6. Due to the family's financial difficulties, the funds that my family and I can raise are not enough to pay for their basic expenses of study and life during their study.
Characteristics of national student loan
The borrower does not need to provide guarantee and mortgage; The national student loan is led by the government, with convenient application procedures and fast disbursement; The loan period is long and there is no interest during school.
First, the national student loan is an important measure taken by the CPC Central Committee and the State Council to improve the financial aid policy system of ordinary colleges and universities in China and increase the financial aid for poor students in ordinary colleges and universities under the conditions of socialist market economy. The national student loan is a bank loan which is led by the government, subsidized by the finance, and compensated by the finance and universities at certain risks, and jointly operated by banks, education administrative departments and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities. Borrowing students apply for loans from the bank through the school to make up for the lack of expenses during their school days and repay them in installments after graduation. On August 8, 20 12, the new student loans of the development bank will exceed 1200 million yuan.
Second, there are four main forms of loans: national student loans; Student-origin credit student loan; Colleges and universities use state financial funds to issue interest-free loans to students; General commercial student loans. Among them, the national student loan has the largest funding strength and scale, and is the main content of student loan.
Three, public full-time colleges and universities should actively implement the national student loan policy, and cooperate with cooperative banks to handle national student loans for poor students in colleges and universities. In addition, some private colleges and universities have launched national student loans, and students should pay attention to the relevant statements in the school enrollment brochure or admission notice.
Four, the relevant departments of the school are responsible for the qualification examination of the national student loan application submitted by students, and check the authenticity and completeness of the materials submitted by students; The bank is responsible for the final examination and approval of student loan applications.
Five, borrowing students in the graduation formalities, should confirm the student loan repayment plan with the bank. After graduation 1 year, you can apply to the bank to adjust the repayment plan. There are many ways to repay the principal and interest of student loans, which can be repaid in advance at one time or multiple times. If college students choose to repay the loan in advance, the handling bank will not charge any other fees except the interest payable.
So much for the introduction of the characteristics of college students' loans.