As a media worker, I often come into contact with the victims of some incidents. I have learned to listen to their voices for a long time. The girl I met in the interview is a junior. She is the victim of a campus loan. I'll call her Xiao Zhang for the time being here. At first, I just met Xiao Zhang on the social platform. When she learned that I was engaged in the media industry, she wanted to talk to me about some of her personal experiences, hoping to reflect a topic about campus loans through me. After meeting, we soon started a conversation about campus loans.

Xiao Zhang told me that her first contact with campus loans was in her sophomore year, because at that time she envied her roommates and her classmates were using new mobile phones. And as a girl, she naturally likes to dress herself up beautifully, so she often buys some cosmetics online, but the burden of these consumption expenses is relatively high for Xiao Zhang's family economy. Later, Xiao Zhang met a man who claimed to be a credit through some small advertisements. At that time, the other party didn't ask Xiao Zhang any family situation and income source, only asked her how much money she needed.

Xiao Zhang borrowed 8000 yuan. At first, he always felt that he was saving a little money every month and would soon be able to pay back that 8000 yuan. However, when borrowing money, the other party made a request. He told Xiao Zhang that he didn't need any mortgage because he borrowed money. In order to prevent Xiao Zhang from failing to pay back the money, he asked her to be naked, take photos with her ID card, and have a short video of 1 about three minutes.

At that time, Xiao Zhang hesitated, but considering that he really needed the money, he made a determined effort to do it according to the requirements of the other party, ignoring the most important loan agreement signed with the other party. He didn't write down the interest in the loan agreement, but said in the oral agreement that the weekly interest was 30%.

The interest rate is as high as 2400 yuan a week. The monthly living expenses are only1Xiao Zhang in 500 yuan. How can I pay? Later, Xiao Zhang had no choice but to make up the interest first, and then under the guidance of the other party, he kept writing down one debt after another. Even Xiao Zhang himself doesn't know how many IOUs he has written. In the end, the opposite direction asked her for 400,000 yuan. If she pays, she will call her parents and post his photos and videos to the school website or her classmates.

Xiao Zhang was afraid at that time. Finally, in desperation, she called home. After a short silence, I asked her what to do with the last sum of money. Xiao Zhang told me that her father finally sold the house in his hometown to help Xiao Zhang pay off his debts. I asked Xiao Zhang why he didn't want to go to the police. At that time, Xiao Zhang told me that many things were forced because the other party had her photos and videos, and she didn't know what the other party would do. As a girl, especially at school. Her youth should not be ruined by such a thing. Xiao Zhang said that she also thought about suicide at that time, but her parents kept encouraging her.

Xiao Zhang is willing to share this with me, mainly in the hope that I can tell those ignorant students what happened to her, and hope that they will not go astray again, pay a heavy price for those meaningless vanity, and eventually harm others and themselves. Sometimes I often reflect on what these children are thinking. Why can't you always stand the temptation of life? They were so pure when they first entered the university, but under the stimulation of consumption, they gradually distorted their values. University is a tomb, but it is like a train. Some passengers sit in soft sleepers, and the journey is smooth and comfortable. Some passengers sit in hard seats, so that they are bruised all over.

It has long been known that there are reports about campus loans, but this industry is like a hundred-step worm, dead but not stiff. Even though severely suppressed and condemned by the media, there are still many illegal small loan companies operating.

How are the interests of these "campus loans" calculated?

Why did you borrow 8000 yuan and pay back 400 thousand? First of all, suppose you borrowed 1000 yuan, and according to their so-called weekly interest rate of 30%, they will get back 2200 yuan in one month, which is still on the condition that you repay the loan on time, and these small loan companies usually ask you to write down double the loan, that is, if you borrowed 1000 yuan, he will write you 2000 yuan.

Are these "campus loans" legal?

This kind of "campus loan" is definitely not in line with national laws, but these small loan companies are exploiting loopholes. He will not embody any usury in the IOU, but will only write it according to an ordinary IOU. It seems reasonable to extract only the lender, lending date, lending amount, due repayment date and so on.

And borrowers often ignore these things because they are in a hurry to use money. Therefore, once students fall into this kind of campus loan, they must find ways to obtain relevant evidence to prove that the other party is collecting usury. The court will not support the interest exceeding the provisions of the Regulations. If the small loan company threatens nude photos or videos of singles, the students should immediately report the case to the public security organ, or even file a civil lawsuit with the court, asking the other party to bear the criminal responsibility of compensation for infringement of reputation rights and safeguard their own vital interests.

Then why are many victims of "campus loan" afraid to speak out?

Most students who are caught in this kind of online loan always have great psychological pressure and are afraid that people around them will know their past. Often these students are greedy and vain, and go astray in order to satisfy their consumption desires. They don't want their masks to be uncovered. More importantly, many girls are afraid that their photos will be distributed, which will affect their studies. Therefore, in the face of violent collection, they all chose to remain silent.

Finally, I want to say that peer-to-peer lending is not a crime. What really committed the crime was my inflated desire. Let's not judge and condemn those students who borrow money online. In fact, how many people can resist the temptation of life? Let's just say that human nature is sometimes really elusive. These lenders know that students have no repayment ability at all, but they still want to take advantage of people's desires to make high profits. I just sincerely hope that all students can face up to their own needs, don't be vain, and don't fall into online loans, which will only make a better life farther and farther away from us. Not every story has a happy ending. Even if it is solved, people will still get hurt.