Universities are places to study, and tuition and living expenses are necessary expenses. Besides, consumption should not be encouraged.

Campus loan encourages students to spend, which is a conventional loan and does great harm to students who are not financially independent.

We must resolutely ban campus loans!

Second, how do you view the campus loan that has recently appeared and is widely sought after?

I'm here to read the comments.

Third, why are chaos such as "campus loan" and "routine loan" frequent? How to treat this phenomenon?

Because today's young people like super consumption, everyone has very high material requirements, especially vanity, and local regulatory authorities are not strict, which will lead to this kind of chaos frequently. This phenomenon will affect the thinking of many college students, make them dependent and disrupt the market.

4. What are the typical characteristics of bad campus loans?

This paper expounds four parts of college students' campus loan fraud through vivid pie charts;

First, student union cadres, community cadres and class cadres can easily become the targets of campus loan platform development, and benefit fees and credit notes are common operating modes;

Second, exaggerated advertisements, distribution and gift promotion are posted everywhere on campus;

Third, defrauding students to register platform accounts and deliberately letting borrowers default are the "routines" of some bad campus loans;

The fourth is to provide students with improper repayment channels, such as naked loans.