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First, the status quo of campus online loans
Since foreign P2P lending platforms were introduced to China in 2007, domestic P2P lending platforms have targeted the college student market, and campus loans have developed extremely rapidly. In addition, in 2009, the China Banking Regulatory Commission issued the Notice on Further Regulating Credit Card Business, which further clarified the applicable objects of credit cards. Since then, the use of credit cards on campus has dropped significantly, and there has been a temporary gap in the college student market. Campus loan seized the opportunity and quickly occupied it.
The data shows that by the end of 20 14, there were 1438 online lending platforms in China, with a cumulative transaction volume of hundreds of billions, involving a wide range of fields and objects. In addition, the "20 15 Survey Report on College Students' Analysis and Consumption" shows that more than 60% of students choose to spend by stages. These huge campus online loans are usually divided into three types: one is a staged shopping platform specifically for college students; Second, person-to-person online lending is mainly used for college students' education and entrepreneurship; Third, credit services provided by e-commerce platforms such as JD.COM and Taobao.
Second, the harm of campus online loans
(1) There are many platforms for peer-to-peer lending on campus. In order to seize the market and competition, they will deliberately hide or increase the actual repayment interest from college students, and will also force college students to pay various extra fees for various reasons, such as consulting fees, overdue fines, liquidated damages and so on. , causing great property losses to college students.
(2) The online lending platform has a low loan threshold and lax review, and does not consider the income of college students, loan purposes, repayment ability, repayment sources and other issues. This is extremely irresponsible behavior, which encourages the unreasonable consumption view of college students.
(3) The repayment methods of online lending platform are very rude, simple and uncivilized, such as threatening text messages, threatening telephone calls, spreading students' news, etc., which not only leaked the personal information of college students, but also damaged their reputation, causing great psychological burden to college students who borrowed money, and easily leading to the tragedy of college students committing suicide because they could not bear the huge psychological pressure.
(D) The borrowers of campus online loans are college students, but most of them are unable to repay their debts. Therefore, it is easy to transfer the risks and harms of online loans to families, increasing the burden on parents and families of college students.
(5) In some cases, college students are unable to repay their loans and dare not tell their parents and schools, and they will strongly advocate that their classmates and friends also take the road of online loans, resulting in a wider range of harm. Borrowing college students can also easily take criminal means such as borrowing from multiple online lending platforms, robbery and theft to obtain funds, thus embarking on the road of crime.
Third, the reasons for the prevalence of campus online loans
In fact, campus online loan is just a tool and a platform. Whether it plays an "angel" or a "devil" depends entirely on its users. The emergence of campus online loan chaos is not just a problem on the one hand.
(1) peer-to-peer lending Platform
There is nothing wrong with campus online loan itself. The problem is that some unscrupulous merchants are actually doing usury business under the guise of campus online loans. On the online loan platform, students do not need to meet with borrowers and sign contracts, but only need to provide student ID cards, ID cards, bank cards and other materials. There are few loan requirements and no supporting materials, and the threshold is very low. Moreover, the cash distribution speed is fast, and it is also confidential to schools and parents, which meets the consumption requirements of college students. Moreover, the online loan platform misleads and induces college students by means of low interest and installment payment, and college students can easily fall into the online loan trap.
(B) students themselves
Many college students are the only children in their families. They usually live a superior life, have no specific concept of the amount of money, do not know the hardships of making money, are blindly optimistic about their family situation and repayment ability, and are prone to form an irrational consumption concept. The consumption demand and purchasing power of college students are relatively high, such as electronic products, study materials, daily necessities, party entertainment, luxury accessories and so on, but the source of funds is relatively low. Generally speaking, college students just want to spend money, but have no money. At this time, the convenience and low threshold of online lending provide a shortcut for its advanced consumption.
(3) Parents
Many parents think that their children have grown up, they are too worried about their children, and they don't care and understand the source and destination of their funds in time. For the "unexpected bill" formed by children's irrational consumption, out of responsibility and care for children, I can't bear the credit stain. Most parents choose to pay for the consequences of their children. However, parents also lack a certain understanding and cognition of campus online lending, and hold the psychology that "more things are not as good as less things", which indirectly encourages the unreasonable lending behavior of online lending platforms and forms "campus usury".