College students have no source of income and cannot apply for commercial loans, and the interest on online loans is slightly higher. You can consider applying for a student loan if you have the following conditions:

1, a natural person of China nationality who has reached the age of 18, has full capacity for civil conduct and has a fixed residence and valid identity documents in China.

2, with a legitimate occupation and stable economic income (except for students who apply for student loans), can guarantee the repayment of loan principal and interest on schedule.

3. Open a savings account in a loan bank and deposit not less than the down payment of the total consumption and the estimated mortgage registration fee, notary fee, insurance fee and other expenses.

4. It can provide effective guarantee measures recognized by banks for personal consumption loans.

5. The purpose of the loan is within the prescribed scope.

Second, what is the harm of college students' online loans?

1. Campus loan is a property. Criminals aim at colleges and universities, taking advantage of college students' poor social cognitive ability and weak psychological defense to carry out short-term and micro-loan activities. On the surface, this kind of loan is "small profits but quick turnover", but in fact, criminals get 20-30 times the interest of banks and make students' money at will. 2. Campus loans will breed bad habits of borrowing students. The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses and have bad habits at ordinary times, then the expenses provided by parents are definitely not enough to meet their needs. Therefore, these students may turn to the campus to obtain funds, which may lead to bad habits such as gambling and alcoholism, and may seriously skip classes and drop out of school because they are unable to repay. If the loan cannot be repaid in time, the lender will use various means to collect debts from the students. Some lenders will ask for a certain value of goods as collateral when they borrow money, and will collect students' student ID cards and copies of their ID cards, so they are very familiar with students' personal information. Therefore, once a student fails to repay the loan on time, the lender may use intimidation, beatings, threats and other means to collect debts violently, which will do great harm to the personal safety of students and the campus order of colleges and universities. Some criminals use ""to commit other crimes. Lenders may use students' mortgages and deposits on campus, or use students' personal information to make phone calls to defraud credit cards. Please be cautious in handling "online loans" and "small loans". Don't apply for a loan to others or provide a guarantee for others in your own name because of persuasion or being blinded by the so-called "benefit fee". If you need to apply for "online loan" or "micro-loan", you must consult your parents and banks, and beware of being deceived. College students have no stable and fixed financial resources to go to school. If you can't repay the online loan on time, you will be disturbed by all kinds of collection information, which will affect your study and your outlook on life and values. More people spend their parents' money, not the parents' money of every family to educate their children. Some of them are difficult. Online loan for college students has advantages and disadvantages. It is best to provide loans from the formal institutions of the national bank. There are many outside intermediaries and high rates, which invisibly puts great pressure on college students. Preferential loans provided by the state can be set for a long time, or preferential interest rates can be given, and it is better to repay them within the prescribed time limit after work. Nowadays, college students' online loans are chaotic, and opportunities and hazards coexist.

Thirdly, it analyzes the research status of online loans for college students at home and abroad.

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An analysis of the domestic and international research status of college students' online loans

There are many online lending platforms. Nowadays, the expansion of universities and financial industries to student groups has set off a wave of online loans among students. Key status quo 1. The research on college students' loans at home and abroad originated in 1980s. Economist johnstone first proposed that the cost of higher education should be shared by multiple burdens, current income and future income. This paper deeply analyzes the problems and present situation of student loan in Britain, and puts forward a set of student loan scheme. Compared with foreign countries, the research on student financial aid and loans in China started late, and experienced a "blank period" before 1986 and a "strengthening period" from 1987 to 1998. Zhu clearly pointed out that China. Scholarships will be established from 1983. On the basis of predecessors' exploration, this paper makes a further study on the renewal and development of the student loan system: D. Measure the functional value of the government student loan from three aspects: the level of student loan, management performance and social effect; Sun Tao emphasized the degree of government, which made the loan "have laws to follow". Most scholars believe that increasing government control can maintain the effective operation of college students' loans. However, when the impact of the internet era comes, the influencing factors and management of college students' loans are more complicated. (B) the operation of online loans