Apply for loans directly from banks, apply for discount loans for small and medium-sized science and technology enterprises, and guarantee loans with new technological achievements or intellectual property rights and patents. However, due to the bank's strict review of personal loan applications, college students have just started their own businesses, and the bank's loan review department seems to have almost no repayment ability, so it is difficult to get the loans they need.
Second, what are the four types of campus loans?
There are four kinds of campus loans: consumer finance loan companies, P2P network loan platforms, loans and loans from banking institutions. Campus loan mainly refers to the behavior of college students borrowing through formal financial lending institutions and other loan platforms. Of course, relevant departments should effectively supervise the online loan mechanism of colleges and universities and establish an effective supervision mechanism in time.
Four lending institutions for campus loans
1. Consumer Finance Loan Company: For students, the main features are low threshold, simple procedures and quick access to loans. Some consumer finance loan companies can also provide small cash withdrawals;
2.P2P network loan platform: a lending platform integrating P2P lending and peer-to-peer lending, which mainly provides college students with loans for business start-ups and study fees;
3. Loans: mainly some private institutions or individuals provide loans to students, but the loan interest is particularly high;
4. Bank loans: Bank loans are mainly for the care of some poor students at home, such as student loans, and there is no need to repay the loan interest during school. There are other campus products, such as bank loans to college students, which have low interest rates and are relatively safe.
Three, how to fill in the name of the university, the name of the department, and the professional category in the student loan?
Fill in the name of your university, such as Wuhan University, your college, such as School of Information Engineering, and your major, such as electrical engineering and automation.
4. What are the risks of campus loans?
Campus loans will cause students' property losses. Criminals will target universities and take advantage of the poor social cognitive ability of college students to make short-term and small loans. It is "small profits but quick turnover" to get 20-30 times the bank's interest rate and earn students' money at will.
If the loan cannot be repaid in time, the lender will take various measures to collect debts from the students, endangering the personal safety of the students and disrupting the campus order. Some lenders will ask for a certain value of goods as collateral when they borrow money, and will receive student ID cards and copies of ID cards, so they know the personal information of students very well. Therefore, once students fail to repay their loans on time, lenders may resort to intimidation, beatings and threats to students and even their parents to collect debts violently, which will do great harm to the personal safety of students and the campus order of colleges and universities.
Legal basis:
"People's Republic of China (PRC) high interest rate loans, loan interest rates shall not violate the relevant provisions of the state. If the loan contract does not stipulate the payment of interest, it shall be deemed as interest-free. If the loan contract does not clearly stipulate the payment of interest, the interest shall be determined according to the local or one party's trading methods, trading habits, market interest rates and other factors; Ever since.