"Strong material desire leads to naked loans for real luxury goods" and "spending beyond one's own strength in order to show off to roommates and classmates"-although these can explain the reasons for impulsive consumption, they cannot explain why naked loans are chosen instead of other loans. In addition, there is another saying that they have borrowed money through ordinary credit cards, online loans and other channels before borrowing naked loans, but their material desires have not been met and they have to choose naked loans.

First of all, why are there naked loans for college students? The most basic awareness of self-information protection is insufficient, and the so-called "reliable" platform lending, identity confirmation and other "routines". Without legal basis and informal channels, it is easy for college students to fall into the trap. Of course, at the same time, there are many short-term lending tools such as white bars and flower buds that provide the so-called realistic foundation for this naked loan industry. I remember in JD.COM, when I want to increase the amount of IOUs, I also have to take photos with my ID card. I have to say that there are similarities between the two.

Moreover, it is definitely wrong for college students to borrow naked. There are college students' own shortcomings, and at the same time, society also has factors to encourage this behavior. Besides, why borrow it? Lack of money, borrowing from the east and returning from the west are all reasons for borrowing. The second reason is that there is no rational consumption and no correct concept of termination. I believe that many college students directly apply high school political textbooks and fail to cultivate a correct view of consumption.

The borrowed money didn't buy much, but most of it was spent on robbing Peter to pay Paul. When she is desperate, she is willing to try anything that she thinks can save her life. Sadly, sometimes things are not as complicated as she thought, but what parents can handle easily becomes a big deal in her eyes. Apart from her parents, not many people care whether she is cheated. People will just say, look, this girl should do this for money. "

We have clarified the first question, that is, "why can we choose naked loans"; The reason is that after the answer that "people are alienated into property". For us, the second problem has been solved. What is a major feature of commodities? It is the pursuit of being able to "sell" and realize it quickly. In order to realize cash, commodities will do whatever it takes. From the pros and cons, on the one hand, only when the goods are sold or rented can the original use of the goods be realized; On the other hand, only the goods sold or leased can prove the original value of the goods in turn.