Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. The survey shows that the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

Common hazards of campus loan: it has the nature of usury and will breed bad habits of borrowing students. If the loan cannot be repaid in time, the lender will use various means to collect debts from the students, and some criminals will use "usury" to commit other crimes.

Campus loans are usually divided into three types:

(1) A staged shopping platform for college students, such as fun staging, appointment staging, etc. , and some also offer lower withdrawal quotas;

(2)P2P loan platform (online loan platform), which is used to help college students start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;

(3) Credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao, such as borrowing ants and white flowers from JD.COM campus;