1. Campus loan is a nature; There are many "digging holes" in campus loans. Some platforms conceal or blur the actual tariffs, late fees and liquidated damages. When college students borrow money to buy a house, they will eventually have to repay interest or late fees equivalent to several times or even dozens of times the loan principal.

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.

3. If the loan cannot be returned in time, the lender will use various means to collect debts from the students; Some platforms use illegal means such as defamation, harassment and intimidation, and debt threats to collect arrears. It has caused great psychological pressure on borrowing students.

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.

The so-called "campus loan", also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. "Campus loan" is more like a traditional new variety, but it has more routines, deeper traps, more brutal means of forcing debts and greater harm.

Cases around the world show that "campus loan" has caused countless students to suffer multiple losses, even their families have been ruined, which has brought unstable factors to society.

1, "campus loan" itself is a loan platform for students to help students start businesses. In recent years, after the CBRC stopped the credit card business of college students, campus loans have mushroomed rapidly.

2. Generally speaking, online loan channels on campus can be divided into three categories:

1) First, the local P2P loan platform is used for college students' education and entrepreneurship, such as the loan services provided by "Famous School Loan" and "I Come to Loan";

2) The second is the staged shopping platform for college students, such as "fun staging", "arbitrary staging" and "pineapple bag", and some of them also provide lower withdrawal quotas;

3) Thirdly, traditional e-commerce platforms such as JD.COM and Taobao provide credit services such as "JD.COM". COM white stripes and ant flower shop.

What are the hazards of college students' campus loans?

Campus loan is a kind of nature. Criminals aim at colleges and universities, taking advantage of the poor social cognitive ability and psychological fragility of college students. I sorted out the dangers of college students' campus loans, welcome to read!

The Harm of Campus Loan

Recently, the Gulou police received an alarm about campus loans for help.

In the new semester, in the university campus, a large number of loan staging platforms of various sizes have flooded in, and campus loan accidents have also occurred frequently.

On March 10, a college student borrowed a campus loan from an online lending platform and failed to return it as scheduled, and was maliciously threatened by debt collectors.

"Someone sent me threatening text messages, saying that if I don't repay on time, I will tell my parents and the dean that someone will follow me. I have been desperately borrowing money, but the low interest rate mentioned at the beginning is not the case at all, saying that I don't have to bear the handling fee and late payment fee. I borrowed more than 1000 years ago, and I have to pay back more than 2,000 yuan in less than 2 months. I feel that I have fallen into a trap and I am getting deeper and deeper. " The unbearable Zhou had to call the police for help.

Gulou police said that the police will intervene, warn and stop illegal acts that may threaten Zhou's personal safety.

The police said that they disapproved of college students taking out loans in order to spend money or do business in advance. This kind of loan will increase their pressure, and college students should live within their means.

In fact, campus loans have many security risks for college students with low social prevention. Gulou police summed up the five hazards of campus loans:

1 "low interest" is not credible.

At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.

The more convenient it is, the easier it is to "grab"

Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3 Once overdue, the dunning is "all-round"

In some cases, once a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.

4 easy to breed lending habits

Some students love to keep up with the joneses and have bad habits, so the expenses provided by their parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

5. It is easy to induce other crimes.

Lenders may use students' collateral and deposits on campus, or use students' information to make phone calls and defraud credit cards.

Harm of Bad Campus Online Loan Intermediary

"Campus online loan", a very active word in recent years, is often associated with negative events such as "jumping off a building" this year. In April this year, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Peer-to-Peer Lending in Bad Campus. The concept of "campus online loan" first appeared in official documents, but the word "bad" was added in the meantime. The photos of overdue repayment were exposed, and the arrears of 600,000 jumped off the building, and the loan was forced to be extended. In the recent vicious incidents of campus loan exposure, three key words are often inseparable: overdue, collection and penalty interest.

Chaos of campus online loan intermediary: robbing Peter to pay Paul

The annual interest rate of campus online loan platform is generally between 1 1%-20%. "At first, I felt that I would lose some interest, and I will be able to pay it back when I make money later." However, a "loan" begins, and then the "loan" is endless. After that, every month or so, we have to find a new platform to borrow money and rob Peter to pay Paul.

Searching for "college student loan" in Sina Weibo can get more than 1300 such accounts, and most of their blog posts are advertisements for campus loans. The advertisement is full of temptations: "Come to me if you want to help your girlfriend empty the shopping cart" and "There are dozens of loan platforms, with a maximum of 50,000 undergraduate students and 30,000 junior college students, and there is no charge for any payment".

Without the consent of the students' parents, loans may not be issued to students.

As a special branch of college students' online loan platform, campus online loan often does not need mortgage. Borrowers can apply for loans as long as they provide college students' identity information and pass the personal data review.

On August 15, the Chongqing Municipal Education Commission released a message, and the Municipal Finance Office, the Municipal Education Commission and the Chongqing Banking Regulatory Bureau jointly issued a document, listing eight negative lists for financial institutions and universities, and standardizing peer-to-peer lending behavior on campus. It clearly requires that "without the written consent of parents, guardians and other secondary repayment sources, loans may not be issued to students."

Reasons for the emergence of campus loans

Enter the words "college student loan" on the Internet, "the fastest 3 minutes to review, the next day loan", "just provide the student ID card to handle" and many other attractive information come to you instantly. At present, P2P online lending platforms for online development of student loans can be divided into several categories according to the main product types, namely, student loan platforms, student entrepreneurship loan platforms and student consumption loan platforms.

In fact, the reason why the consumer loan market for college students is so hot is mainly because college students' credit cards in banks are broken and college students have strong consumer demand.

Since China Merchants Bank issued the first credit card for students in 2002, many banks have aimed at the campus in the "staking the land" of credit cards. While the number of college students holding cards is rising, the overdue repayment rate of college students' credit cards is also rising. Because college students have no fixed income and poor self-control, there have been many incidents of college students' credit card overdraft. In July 2009, China Banking Regulatory Commission required banks not to issue cards (except supplementary cards) to students under the age of 18.

The reason why people focus on the market of college students is because the purchasing power of college students is very strong and the source of funds does not match it. Simply put, they dare to spend but have no money to spend: their income mainly depends on their parents, but collective life makes them compare and imitate each other unnaturally. In fact, open the website of the campus staging platform, and all kinds of luxury goods, such as iPhone6S, Xbox, high-end bags and perfume, come to my face. These high-end goods tempt college students like Pandora's box.

Click on the next page and there are more questions about campus loans.

What are the disadvantages of college loans?

To put it simply, the advantage is that college students can get it and use it for consumption, entrepreneurship, tourism and so on. , so that domestic consumption. Disadvantages: College students do not have the ability to repay the principal and interest, which will make borrowers fall into repayment difficulties. In addition, college students have not yet established a correct concept of consumption, and there are cases of excessive consumption and waste, and bad atmosphere is more likely to affect other college students.

Advantages of college students' loans:

Compared with ordinary adults, college students have less disposable funds, but at the same time they are the main consumers of fashion products, so we can promote social consumption in this way. For students, such a new consumption pattern has solved the contradiction between insufficient amount and timeliness. For merchants, selling goods is profitable.

For the whole market, it has increased market demand and expanded market space. Moreover, college students' online loans and installment loans can bring more opportunities for college students' consumption, which has certain positive market significance. For example, how can this way help students achieve consumption more effectively, instead of encouraging irrational consumption?

Disadvantages of college students' loans:

It is prudent to use peer-to-peer lending platform for relatively large expenditures such as venture loans and tuition fees. The success rate of college students' entrepreneurship is low. Entrepreneurship itself is venture capital, and peer-to-peer lending rates are high. If it doesn't go well, the road to entrepreneurship will be more difficult.

College students need to plan their own consumption reasonably, insist on moderate consumption, and resolutely avoid unreasonable consumption that is advanced, fashionable and worthy of pride. On the one hand, college students should see the impact of these internet financial tools on their consumption behavior, on the other hand, they should be able to analyze and explore the commercial applications of these tools, such as whether these tools can support innovation and entrepreneurship.

Moreover, everything is two-sided. "Campus finance" itself is also a way of managing money and an overdraft credit consumption, which will inevitably bring interest and other business expenses arising from loans. Therefore, we must be alert to the word "trap" in the clause of "campus financial services" and be aware of risks.

Need to know the qualifications and background of the loan company in detail. It is worth mentioning that college students' own repayment ability and financial management ability must keep up. Lack of common sense loan knowledge is likely to lead to some tragic experiences.

Let's not talk about the disadvantages of college student loans.