A sophomore in Anqing, Anhui Province committed suicide at home. Before the incident, the college student was extremely unstable and even collapsed. During the holiday, he shut himself in his room. Only when his family packed up his belongings did he know that this college student had loans on multiple online lending platforms, and his mobile phone was full of dunning text messages. Presumably because these loans could not be repaid, he chose to commit suicide!

1. It's not the first time he has made an online loan.

This college student is not the first online loan. He borrowed a lot of money from the online loan platform before, but his family helped him pay it back. This time, he borrowed more than one online loan platform from his mobile phone. He has borrowed money from many online lending platforms, and the amount is relatively large. School is about to start. These online lending platforms are unbearable for him, but he is afraid to tell his family. After all, his family has helped him pay off the loan arrears. His father is still working outside when he is not young, and his family conditions are really not strong enough to help him pay back so much money. In addition, some online lending platforms sent messages threatening him, which made this college student unable to face it. She shut herself in her room all the holiday. She must have thought that the only way to get rid of it was suicide, and finally chose to hang herself.

2. Should the online lending platform take full responsibility?

After this incident, netizens triggered a wave of heated discussions. Some people think that online lending platforms should be abolished. Without these online lending platforms, many young people will not spend in advance at will. Some people think that this has little to do with the online lending platform, but is a problem of people's consumption concept now. Obviously, you don't have this spending power, but you have to spend in advance, so that you are burdened with heavy debts at a young age, and the debts are accumulating. What can they do to solve the problem and eventually go to extremes? Personally, I think it is necessary for online lending platforms to exist, but now the identification of online lending platforms should be stricter. Don't lend money to students who have no repayment ability. The state should restrict online lending platforms, not cancel them. After all, as an adult, you should be responsible for your own actions, and you should not completely shift this responsibility to others. In modern society, the temptation of material things is everywhere. If you don't grasp yourself well and go with the flow, it's only a matter of time before you get into debt!

In this materialistic society, we can only improve our self-discipline.

The current online lending platform is really convenient, just fill in the information on your mobile phone and wait for approval. You can get a lot of cash easily. No one asked you what to buy, whether you should buy it or not, and whether it is necessary to buy it. It's really much easier than asking parents before. It is really tempting for young people to get the latest mobile phones, fashionable clothes and limited bags at will. Now the whole society is in a consumption-oriented psychology. It is really difficult for major social e-commerce platforms to resist the temptation by trying their best to grasp the psychology of users. Many young people want to buy the best things in order to compare with the people around them. The consumption level has come up, and there are more and more online loans. They can't afford to collect text messages and phone calls to find family and friends. Parents have no choice but to bite their teeth. This kind of thing is really everywhere.

Everyone must know the harm of online lending, but many people have fallen into this trap. They really can't blame the online lending platform, and their self-discipline is really poor. Obviously, they still want to buy without spending power. It is the family who pays for this behavior. If you are rational, throw away these vanity and enrich yourself, can't you buy it with your own money in the future? Who is the saddest person who risked his life for a little material things?