The hazards and preventive measures of campus loan are as follows:

Harm of campus loan:

First, campus loans are of a nature;

Second, campus loans will breed bad habits of borrowing students;

Third, if the loan cannot be returned in time, the lender will use various means to collect debts from the students;

Some criminals use ""to commit other crimes.

Precautionary measures for campus loan;

1. Keep personal information and certificates strictly.

Once used by malicious people, it will cause personal reputation and loss of interests, and may even be sued. Like the above-mentioned incidents, if the personal information is cheated to borrow from the Internet financial platform, not only will the cash be lost, but the non-performing loan information may also be entered into the credit information system, which is not conducive to buying a house or car loan in the future.

2. The loan must go to the formal platform.

Due to the lack of internet financial supervision at this stage, there are many platforms for buying sheep's heads and hanging dog meat. Be sure to log in to official website for a closer look, and search and compare all kinds of evaluation information.

Like college students' loans, we need to find Jiurong Finance, because they are strictly audited, the risk control is connected to the big data center, and the basic dynamics of students can be audited. In addition, it is necessary to call the borrower to confirm whether it is the borrower himself and whether the funds are used formally.

The loan must be used in the right direction.

At present, college students are still in the consumption period and their repayment ability is very limited. If it is overdue, parents will eventually pay the bill, which will increase their burden. Therefore, college students must be cautious about online loans.

4. Don't trust loan advertisements easily.

Some fake and shoddy advertisements on P2P peer-to-peer lending platform lure college students to register for loans, and the copy claims to help students solve their basic study and life difficulties at school. In fact, this way of inducing loans and increasing credit lines can easily lead students to fall into the trap of "serial loans".

5. Establish a correct concept of consumption.

College students should fully understand the hidden dangers and risks of network non-performing loans and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific concept of consumption, and try not to lend money and shop on online lending platforms and installment shopping platforms, because interest and liquidated damages are high, and the excellent quality of hard work, simplicity, diligence and thrift is cultivated; We should actively learn about finance and network security and stay away from bad online loans.

How do college students guard against campus loans

1. Control consumption, especially high consumption. If college students don't have a job or their own income, it's best not to spend money indiscriminately, let alone compare with others and envy vanity. Most of them can only enter the big pit of campus loans in the case of high consumption.

2. In order to strengthen the ability to recognize and deal with social order, don't agree to try it easily. Especially if you don't know, if you are in a hurry to use money, you can borrow a little temporarily through regular banks, Alipay, WeChat and other channels, provided that you can do it right and return it on time, which is beyond your ability and has reservations.

3. thick-skinned. College students have no social experience. They are too thin-skinned and impulsive. They are easily persuaded and encouraged by others. Read more regular cases on the Internet and know them like the back of your hand. Don't become a routine so easily. After that, you will not only hurt yourself, but also seriously hurt your family. Mobile phones are so convenient now. Search a large number of daily life cases,

4. Strengthen the study of financial and network security knowledge, understand the development trend of the financial industry, and master basic financial knowledge and network security knowledge such as late payment, liquidated damages, simple interest and compound interest. Pay attention to the online marketing of online loan products, don't blindly believe, and improve your ability to identify and identify online loan products. There are many traps in campus loan. College students should not be polluted by campus loans, don't trust products such as naked loans and school loans, don't download applications, and don't find formal channels, jobs, work-study programs, etc. Pay special attention to reducing communication with unfamiliar people, especially when it comes to money and bank cards.

To sum up, it is necessary to control consumption desire, set a good attitude, keep an eye on Liang Fang, learn more knowledge, don't follow the crowd easily, and don't trust the words of your elders and sisters easily. If you are within your ability, you can use them, which is also very beneficial to improve your credit.

How to prevent bad campus loans safely

Choose a safe lending institution and fully understand the lending company before lending.

In order to prevent bad campus loans, you can follow the following steps:

1. Choose lending institutions carefully: avoid borrowing from illegal financial institutions, and suggest choosing formal banks or consumer finance companies to borrow. 1.

2. Know the loan conditions in detail: Before applying for a loan, read the loan contract carefully to understand the loan interest rate, term, handling fee and other conditions to avoid unreasonable conditions such as short term.

3. Strengthen self-protection

4. Don't trust the invitation by phone or SMS: Bad campus loans often sell loan products to students by phone or SMS. It is recommended not to trust such invitations easily, so as not to encounter swindlers.

5. Pay attention to your financial situation: Pay attention to your financial situation. If you find yourself in financial difficulties, ask your parents or school financial staff for help in time.

6. Try to avoid overdraft

Bad campus loan refers to the behavior of illegal financial institutions to attract students to borrow money in the name of loans, with short term and simple procedures. This kind of loan usually has great fraud and consumption trap, which may lead to students' financial difficulties and credit damage.

How do college students guard against campus loans?

College students should guard against campus loans and do the following.

First of all, we must recognize the true face of campus loan and understand the harm of campus loan; Secondly, we must learn to guard against it, and we must: establish a correct consumption concept; Put an end to shopping by stages; We should follow the consumption principle of "living within our means and rational consumption".

1, establish a correct view of consumption.

Don't buy things that have no real needs, and don't spend in advance for vanity. More can't have a heart of comparison, for high-end mobile phones, brand-name cosmetics, brand-name clothing and free consumption. In terms of consumption, robbing Peter to pay Paul will only make your life more embarrassing. Do not cultivate the habit of paying with flowers. Correct consumption concept can help you avoid the trap of campus loan in a good way.

2. Put an end to the installment consumption of shopping.

Installment payment not only brings convenience to consumption, but also brings consumption traps. Some of them include service fees, installment fees, guarantee fees and other fees. Accumulated in installments, it is much more expensive than cash payment, and some will be as high as 30% or more of the commodity price.

3. We should follow the consumption principle of "living within our means and rational consumption".

Don't overspend, don't compare with other students, and realize that only learning is the most important thing. Get rid of the bad habit of excessive consumption.

College life is beautiful, but it also contains many hidden dangers. As one of these hidden dangers, campus loan needs our proper response and comprehensive prevention. Refuse campus loans to reassure yourself and your parents. Resolutely deal with bad campus loans. The first is to establish a joint prevention and control mechanism to form a joint force. Colleges and universities should actively cooperate with public security departments and financial supervision departments, regularly carry out campus non-performing loans, accurately crack down on campus non-performing loans, and safeguard students' rights and interests. It is the responsibility of both schools and students to prevent campus routine loans. What schools should do: popularize the knowledge of routine loans in depth and do a good job in preventive propaganda. Students should establish a correct concept of consumption, borrow money from formal channels, and deal with it correctly after accidentally falling into routine loans.

What are the basic measures to eliminate campus loans?

1. Colleges and universities should strengthen education in law, finance and safety. A large number of students are deceived, which reveals their weak anti-fraud awareness and legal awareness, and also reflects the weakness of school safety education. Many college students did not seek legal help at the first time when they found themselves trapped, which eventually led to tragedy. This also shows that it is urgent to strengthen the rule of law education for college students and guide them to take up legal weapons to protect themselves.

2, the regulatory authorities should strengthen supervision. It is bound to be a protracted war to completely solve the campus loan chaos, which requires relevant departments to continuously increase supervision and crackdown by improving the financial supervision system.

Financial supervision departments, online lending platforms, schools and public security organs can explore the establishment of information sharing mechanisms, timely warn suspicious people and suspicious problems, monitor the development and operation of campus lending platforms in real time, and protect students from illegal hands. At the same time, we can also make full use of the credit information system, require the loan platform to upload the lender's information in real time, plug the regulatory loopholes in time, and realize the whole chain and whole process supervision.

3. Revise and improve relevant laws in a timely manner. There are no directly related crimes in China's criminal law, only the crime of illegally absorbing public deposits and the crime of lending at high interest rates. Relevant charges and penalties should be set up in the criminal law to strengthen the restriction on them, increase the illegal cost and give full play to the role of law in punishing evil and promoting good.

Extended data:

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.