Campus loan refers to the behavior of students borrowing from formal financial institutions or other lending platforms. It is clearly required that colleges and universities establish a daily monitoring mechanism and a real-time early warning mechanism for unhealthy peer-to-peer lending on campus, and at the same time establish a response mechanism for unhealthy peer-to-peer lending on campus.
In order to meet the reasonable demand of college students for credit funds and financial services in consumption, entrepreneurship and training, purify the campus financial market environment and make campus loans return to benign development.
Commercial banks and policy banks should, under the premise of controllable risks, develop financial products such as student aid, training, consumption and entrepreneurship in colleges and universities, provide customized and standardized financial services for college students, reasonably set credit lines and interest rates, improve the quality and efficiency of college students' campus loan services, and smooth the formal and sunny campus credit service channels.
According to the survey, 8.77% of college students will use loans to obtain funds when they make up for the lack of funds, of which online loans account for almost half. As long as students are in school, they can easily apply for credit loans by submitting materials online, passing the examination and paying a certain handling fee. Financial services for college students have become one of the fastest-growing product categories of P2P finance in recent years.
Strictly speaking, campus loans can be divided into four categories.
1, consumer finance company? -such as interesting staging, appointment staging, etc. Some of them also offer lower withdrawal quotas.
2.P2P loan platform (online loan platform) is used for college students' education and entrepreneurship, 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. Offline private lending-private lending institutions and lenders, commonly known as usury. Usury usually carries out false propaganda, contracts offline, acts as an illegal intermediary, and charges exorbitant interest rates. At the same time, there are problems such as violent collection, and victims usually suffer huge property losses and even threaten their own safety.
4. Banking institutions-campus products provided by banks for college students, such as "lightning loan for college students" of China Merchants Bank, "Golden Bee Campus Express loan" of China Construction Bank and "Learning E loan" of Qingdao Bank.