College students' incorrect view of money.
The comparison on campus is far more serious than that in life, and the stimulation is more direct. Some college students who can't provide generous living expenses at home have serious inferiority complex. They hope to reject their self-esteem through different channels, and naturally hit it off after meeting online loans, but they don't understand their interest and are higher than their repayment ability, so they are easily coerced into taking nude photos, committing suicide and many other problems.
Private capital is mercenary.
In order to get high returns, private capital is aimed at college students who are not deeply involved in the world. Through constant guidance, college students are caught in the whirlpool of loans, and those who cannot repay are coerced and lured, prompting college students to go to the point of no return.
Lack of family education
Parents don't correctly guide and educate their children about the use of money, so college students can't think independently in the face of colorful college life, and they can't resist the temptation of luxury, and their vanity is constantly expanding, which leads to college students obtaining money through illegal channels to make up for their own shortcomings.
Lack of education in schools
The school does not emphasize the simple outlook on life, keep up with the competition and follow the trend. It encourages college students to concentrate on their studies, make continuous progress, gain competitive advantages, and thus realize their personal values.
Insufficient control ability of campus loan separation
College students can use some false information to obtain loans, which blinds the credit review of the platform. College students try every time, and gradually the information begins to cover friends and relatives around you, which has brought serious negative effects to the students themselves.
The supervision of government financial institutions is not in place.
Campus loans generally have no formal business license, and government agencies can't supervise loans, which makes campus loans in a gray area of law, leading to college students' campus loan fraud.
Campus loan is one of the topics that sensationalized campus and public opinion on 20 16. The reason is that a college student in a university in Henan province used his identity as a classmate to obtain unsecured credit loans of up to several hundred thousand yuan from different campus financial platforms, and committed suicide by jumping off a building when he was unable to repay it.
On April 20 16, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Prevention and Education Guidance of Peer-to-Peer Lending Risks in Bad Campus, explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for Peer-to-Peer Lending in Bad Campus, and at the same time establish a disposal mechanism for Peer-to-Peer Lending in Bad Campus.
2065438+On August 24th, 2006, China Banking Regulatory Commission also explicitly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the problem of campus loans.
Campus loans are usually divided into three types:
1. Staging shopping platforms for college students, such as fun staging, about staging, etc., some also provide lower withdrawal quotas;
2.P2P loan platform for college students' education and entrepreneurship, such as investment loans and famous school loans;
Third, credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao.