Online lending and campus lending refer to the loan business carried out by some online lending platforms for college students. Although online loans and campus loans have the advantages of convenient application, simple procedures and rapid lending, they also have the characteristics of lax information review, high interest rates and high liquidated damages. Under the expanding consumption desire and luck psychology, college students may fall into? Serial loan? Trap, paid a heavy price. So, how should college students deal with it?

1. Keep personal information and certificates strictly.

Once used by malicious people, it will cause personal reputation and loss of interests, and may even be sued. Like the above-mentioned incidents, if the personal information is cheated to borrow from the Internet financial platform, not only will the cash be lost, but the non-performing loan information may also be entered into the credit information system, which is not conducive to buying a house or car loan in the future.

2. Enhance the awareness of risk prevention of online loans and campus loans.

There will be no pie in the sky. All kinds of online loans and campus loans are aimed at college students, because they have limited economic resources and high consumer demand. Therefore, it is very important for college students to correctly understand the consumption power of themselves and their families, have a certain understanding of financial knowledge, have the ability to distinguish low-interest, high-quota, unsecured credit products declared by online lending platforms, have a clear understanding of possible consequences, and effectively enhance their risk prevention capabilities.

Don't trust the loan advertisement easily.

Some fake and shoddy advertisements on P2P peer-to-peer lending platform lure college students to register for loans, and the copy says that it helps students solve the basic difficulties in their study and life at school. In fact, such usury, inducing loans and increasing credit lines can easily lead to students falling into? Serial loan? Trap.

4. Establish a correct concept of consumption.

College students should fully understand the hidden dangers and risks of network non-performing loans and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific concept of consumption, and try not to lend money and shop on online lending platforms and installment shopping platforms, because interest and liquidated damages are high, and the excellent quality of diligence, simplicity and frugality is cultivated; We should actively learn about finance and network security and stay away from bad online loans.

Campus loans are harmful, so college students should develop reasonable consumption habits and not blindly compare with others. Keep a normal mind and don't blindly borrow money, causing unnecessary pressure on yourself.