Case 1: College students borrowed more than 200,000 from their classmates to gamble.

A college student in Hangzhou lied that there is a shipyard at home and a hotel in Singapore, and his generosity is the standard in the eyes of his classmates. After gaining the trust of his classmates, he tried to prove his ability to his family by doing purchasing business, but in the name of lack of start-up funds, he defrauded his classmates to help him borrow money from the Internet financial platform. After getting the money, he used it to gamble and eventually lost it all.

Case 2: 30,000 mobile phone loans bought by college students rolled into more than 700,000 liabilities.

A college student in Hubei applied for an online loan from June 5438 to 10 last year in order to buy an Apple 6 mobile phone and other expenses. Subsequently, he robbed Peter to pay Paul, kept looking for loans from other small loan companies to pay off debts, and finally owed more than 700,000 to many companies, while the original amount was only 30,000.

Case 3: A college student in Henan borrowed a million dollars in the name of his classmates and finally redeemed it with his life.

Recently, Zheng Xiao, a sophomore in Henan College of Animal Husbandry Economics, served as the monitor of the class. Nearly 30 students helped him "brush the bill online". He borrowed money from various online lending platforms in the name of his classmates, with a total amount of more than 580,000 yuan. Contact with online gambling, and finally Zheng Xiao died in Qingdao.

Case study of college students' campus loan II

A used to be a college salesman on the lending platform. In the process of starting a business, they come into contact with some college students who need to borrow money. By reviewing personal data and family information, they have mastered a number of college students' resources characterized by Shenzhen hukou, superior family conditions, advanced consumption habits and poor self-control ability.

A's lending model

The loan cycle is 1 week or 2 weeks, the interest is 15%-25%, and the daily overdue fee is 5%- 10% of the loan amount. Interest is included in the principal and deducted in advance, or returned immediately after transfer, and a loan contract with inflated loan is signed or multiple loan contracts are signed for the same loan;

If the borrower fails to repay the loan at maturity, it will be charged a high overdue fee, which can be extended once after paying the handling fee;

If the borrower still fails to repay, A and others will introduce or ask the borrower to borrow another sum of money to repay the previous arrears, and so on, artificially raising the borrower's debt by borrowing new money and returning old money, transferring money and so on.

Because the borrower is generally a college student and has no financial resources, when the borrower fails to pay back the loan within the time limit, A and others frequently threaten the borrower to pay back the money by calling or texting, taking the opportunity to ask the borrower to borrow new money or transfer money, and the borrower is forced to agree. When the debt is too high for the borrower to repay, A and others will come to the door to recover from the borrower's parents, and finally achieve the goal of defrauding property.

In the end, A was sentenced for allegedly accepting bribes.

Summarize the following points: 1. Contemporary consumption should be rational to prevent excessive consumption and excessive consumption; 2. Schools and parents should educate college students and establish good consumption values; Don't make joint loans with others in pursuit of high profits.

Case 3 of College Students' Campus Loan

Because I borrowed 40,000 yuan, I ended up with a debt of more than 6,543,800 yuan. "I wouldn't have believed it if it hadn't happened to my son." Recently, Mr. Hou in Shanghai told the Southern Reporter that his son had an accident. Under the routine of private financiers, he kept robbing Peter to pay Paul, and owed more than 6.5438+0 million yuan in debt within six months.

Mr. Hou told the Southern Reporter that it happened in June last year, when a sophomore in Shanghai received a "campus loan" message, saying that he could provide students with installment loans. Due to the shortage of funds, Hou Yaozong wanted to borrow money. "When I was at school, I just wanted to borrow it first and then pay it back slowly." Hou Yaozong told Southern Reporter that what he didn't expect was that it was this short message that put him on the road of no return.

It is said that he contacted the borrowers Li, Feng and Ouyang, and the first loan was taken to a hotel in Shanghai, where he borrowed 50,000 yuan from the hotel owner. "But I actually only got 40,000, but I borrowed 90,000." Hou Yaozong said that for a loan of 50,000 yuan, the other party asked for a deduction of 2,000 yuan for the door-to-door fee and 8,000 yuan for the agency fee. As for the loan of 90,000 yuan, the other party told me that if the loan is repaid on time, there is no need to repay the loan according to the loan.

According to the agreement, Hou Yaozong repays more than 2,000 yuan every half month and pays it off in three installments. But in the fourth phase, the hotel owner who borrowed money suddenly proposed to pay off all the loans immediately. "How can you afford money?" Just at a loss, Ouyang appeared again, saying that he could help "settle accounts".

Hou Yaozong said that he was taken to Shanghai Yuanda Building and borrowed 65,438+0,000 yuan from one of the companies. This time, I was asked to repay 6,543,800 yuan+0.3 million yuan after one month, but I need to make an IOU of 60,000 yuan. Of this loan of 1000 yuan, Ouyang Mou, the middleman, and the borrowing company respectively extracted the handling fee of 1500 yuan and the agency fee of 2,000 yuan, and Hou Yaozong only got 6,500 yuan.

Second, students, be alert to the harm of "campus loan"

CCTV News Exposes Campus Loans to Force Debts

The case comes from the "campus loan" case recently detected by Shenzhen police. According to statistics, there are as many as 300 students involved, and the amount involved even exceeds100000 yuan.

Many students only borrowed 6000 yuan at first, and finally owed more than one million yuan in interest!

Seeing this news reminds me of a book I read recently. The book "Criminal Investigation Team 1" tells a series of stories after Jin Lu Wu, who just graduated from college, worked as an intern in an advertising company in Yuen Long, but was fired because of the boss's calculation, saving the beautiful boss as a driver.

1, Lu Zhenyu was calculated by the boss Chen Zhirui, and Lu Zhenyu was fired by Vivian, the beauty boss of the company. After being fired, Jin Lu Wu worked as a driver in a street of Jiang Yan Road Bar, and happened to meet Vivian who was drunk by others, and the person who drunk Vivian was a "rogue". Lu Zhenyu also forgot the resentment of being fired, saved Vivian and offended the "schoolyard bullies". Of course, the delinquents won't stop there. They go to Vivian again, and Lu Zhenyu comes to help again. But this time, Lu Zhenyu was not so lucky, and was beaten black and blue by the schoolgirls. The hooligans thought they had been beaten by the company, so they threw him into the river. The villains think it's perfect Unexpectedly, without si, the young delinquents were arrested by the police, and things did not end there.

2. After an escape, his parents insisted on keeping his son around, so they let him work in a newspaper through their relationship, and he accidentally found a famous newspaper reporter Zhang Hongxiang as an apprentice under his own income. I thought I could live a stable life, but it backfired. Lu Zhenyu was injured again in a midnight snack and was saved by the beautiful woman Wen Na. To show his gratitude, Lu Zhenyu invited Wenna to dinner. Wenna brought a girl named Qin Qin, who had just escaped from the devil. Coincidentally, Lu Zhenyu, Wen Ne and Zhang Hongxiang formed the initial investigation team, involving many people and many unknown secrets, and found out the reasons for the "campus loan" and the disappearance of female students in the Conservatory of Music. How many people are involved in this case? Who is the mastermind of this series of cases? Lu Zhenyu and his party are neither policemen nor detectives. Can they successfully find the mastermind?

Wu described by the author is a person with "special functions", just like being invincible, and his wound healing ability is very strong. From the perspective of novels, the author wrote a story "Campus Loan" that many parents of college students hate.

"Campus loan" I want to know what is popular. The news that students and their parents encounter "campus loans" appears constantly.

For example, from 2065438 to April 2007, a sophomore girl from Huaxia College in Xiamen owed more than 570,000 yuan to the campus and made 257 transactions in a hotel in Quanzhou.

2065438+August 2007, a junior student in Wuhan owed 4,000 yuan of "campus loan", which rolled to more than 500,000 yuan a year.

In the book "Criminal Investigation Team 1", all the students who borrowed "campus loans" were female students. After borrowing, there was no money, and finally there was a profit, but I was afraid to tell my parents that only the people who were loaned were fooled into taking unsightly photos and forced to go to Zisha.

I hope that students who read this book will let more students know the harm of "campus loan". If they do meet, they should tell their teachers and parents, and don't think for themselves, which will crush an energetic young man.

Third, what is the trap of bad campus loans?

This guide anonymously sneaked into the QQ group of bad campus loans for one year, exposing the routines and shady scenes of bad campus loan traps, and once became popular on the Internet, and was called "beauty undercover counselor".

"The degree of opt-in is threatened by group search and words, but in fact, the idea is very simple, that is, to clarify the harm of non-performing loans, let students know the routines and live a safe and healthy university life." Mao Jing said.

Last June, 1 1, a sophomore boy in Mao Jing's class was absent for a long time, which caught her attention. "In order to buy a mobile phone, he borrowed 200 yuan from a campus loan platform with 1300. However, according to the interest rate required for repayment, it will pay30,000 yuan after 3 months. "

In order to urge students to repay in time, this campus loan platform bombarded the boys' classmates, teachers and family members including Mao Jing, and even threatened to send flowers and stopped. "

Mao Jing contacted the parents of the students and finally returned more than 20,000 yuan.

Previously, Mao Jing also paid attention to campus loans, but he didn't know much. Heart problems. "In fact, I only got 1300 yuan. In just three months, how did the interest transfer to 30,000? "

In addition, these dunning calls from the lakeside also aroused Mao Jing's vigilance. "Why are you still so emboldened to sell citizens?"

Since the end of last year, Mao Jing has joined several QQ collection groups, loan groups and anti-collection QQ groups anonymously through Weibo, post bar and loan information.

In each group, Mao Jing observed silently for half a year. As long as there is the latest information, she will record it and sort out the forms of non-performing loans on campus, the requirements of loans and the traps behind them.

Mao Jing said that although the state issued a document explicitly prohibiting the provision of online loans to college students, many bad campus loan platforms will still change the law to implement disguised lending.

Through investigation, she found that in the current online loan market, there are a large number of bad online loans, among which college students have a higher proportion of bad online loans.

For example, in Mao Jing, the gimmicks of loans with a monthly interest rate of 0.99% create the illusion that the interest rate is not high, but the derived interest rate reaches 2 1.25%, and with various handling fees and agency fees, the interest rate can reach 50% or even 200%.

What is worrying is that there is almost no threshold for handling non-performing loans on campus. Often borrowers only need to provide ID cards, student ID cards and bank cards, as well as the telephone numbers of parents and teachers, and there is no need to provide proof of income at all.

"Isn't the lender worried that students without income can't afford it?" Mao Jing found the psychology of letting nature take its course, fearing that bad loans would affect his children's studies, and would rather pay this interest.

Mao Jing said that on the Internet, there are also special skills to teach lenders to collect money, and they also provide home collection in different places. "Most of the spam messages for dunning are unsightly. There are more than 100 harassing messages a day, and some of them will be sent to relatives, friends and teachers for threatening harassment."

With these materials, Mao Jing compiled and produced PPT, and recorded the open class video "Today, it's time to expose the routines of bad online loans", which was launched on the day of "Double Eleven".

Since then, she and the teacher of the school's academic affairs office have jointly produced and released an animated video of "Five Minutes to Interpret the Routine of Non-performing Loans" to further expose the harm of non-performing loans on campus. On the day of "Double Twelve" launch, it got 1.6 million hits.

"Fortunately, I listened to Teacher Mao's class." After the video was organized in the school, the sophomore of Tourism and Management Department was a little scared. He didn't know much about campus loans before, and some students still thought it was fashionable. "Now I find the trap nearby."

It is not only the students in this school who benefit. This video, which exposes the traps and routines behind bad campus loans, was widely forwarded on the Internet as soon as it was launched, which attracted the praise and attention of colleagues in colleges and universities all over the country. In the QQ group of national college counselors, nearly 600 counselors from different universities downloaded this courseware.

Mao Jing revealed that with the support of the school, she and some school counselors are setting up a "We Know We Do" studio to collect cases of campus non-performing loans from universities all over the country. At present, eight typical cases have been collected, and it is planned to collect non-performing loans on campus before March next year. "Analyze how to avoid falling into bad campus loans, strengthen students' financial management and legal education, and let them learn to protect themselves by legal means. "

With the popularity of the Internet, Mao Jing's personal privacy is also exposed on the Internet. In her latent bad campus loan group, even her information and photos appeared, and her words revealed threats and abuse.

The female teacher, who won the honors of "Shiyan Good Netizen" and "Shiyan Civilized Citizen" in the first four years of her work, expressed her mind in her personal WeChat official account. "Starting from the university's choice of normal majors, helping students realize their dreams, one cloud pushes another cloud, and one tree shakes another tree, which is my initial dream. At the beginning, even if you waded over the mountains, you could see Qian Shan Wanshui. "

4. Shenyang cracked the campus loan case and how many suspects were arrested?

28 people.

The following is the original news of the event for your reference.

On August 2 1, Shenyang Public Security Bureau held a news briefing, announcing the successful detection of the criminal cases of "5.08", "Campus Loan" and "Routine Loan". Destroyed four evil criminal gangs headed by criminal suspects Tao, Zheng and Zou, and arrested 28 gang members. The amount involved is as high as100000 yuan.