1, the loan procedure is simple;
2. Quick loan;
3. "Not all my loans can pass, and the risk control of this platform is not strict. Some companies with poor technology and weak strength do not need video online signing and face recognition technology, which can easily lead to audit problems, and the identity information of customers is fraudulently used by others. "
Please use psychological knowledge to analyze the causes of campus loans.
What we should pay attention to is whether the campus loan in this case is legal, and if so, whether the impact on students is positive or negative, which needs our supervision department to consider.
What are the hazards of campus loans?
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 usury on campus to obtain funds, which may 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 campus "usury" to defraud students of collateral and deposits, or use student information to engage in telephone fraud and defraud credit cards.
What are the problems with campus loans?
There are some risks in the trap of online lending. At present, college students have no production capacity, and the loan needs to be repaid. Then college students' failure to repay loans will have many adverse consequences, which will affect the various influences of college students after they leave the society.
Using the relevant knowledge of economic life, this paper explains the reasons for the coexistence of "campus loan", "growth" and "worry"
How to be a good college student?
First, bring harmonious interpersonal relationships with a peaceful mind.
University life is rich and colorful, and many people call it a small society. Since it is a small society, there will be all kinds of people and all kinds of interpersonal relationships. How to get along with classmates, roommates and teachers can help you grow up, and how to handle various relationships with ease? To this end, Zhongqing Online specially invited several senior college students such as Shen Yalin to communicate online on this topic. In the interview, these senior students, as experienced people, repeatedly stressed that students must have a peaceful mind.
Give up the opportunity to keep friendship in the face of competition.
In colleges and universities, college students have to face a lot of competition, such as evaluating three good, evaluating scholarships and striving for good internship units. How to face this kind of competition? Some senior students, such as Shen Yalin, say it's best to keep a peaceful mind. What you gain, you lose. The key is to look at your own mentality. Don't care too much about the result. First of all, think about whether you have worked hard at ordinary times. If the competitor is your best friend, giving up competition is a foolish but clever way, but gold will always shine and there are many opportunities in college. It is more meaningful to give up for your best friend and keep this true friendship.
Learn to put yourself in the other's shoes when facing differences.
University is a small society, and dormitory is an important window to reflect this small society. The students in the same dormitory come from all corners of the country, so it is not easy to achieve the great integration of east, west, north and south. In the same dormitory, it is inevitable to help each other in study and life, and everyone will find many advantages and disadvantages of each other in getting along. Learn to think from the standpoint of others, and look at some "unreasonable actions" of roommates with a positive attitude and humorous eyes. Be sincere to the people around you and try your best to help others when they are in trouble. Say hello to teachers and classmates and infect them with your smile. Soon, you will find that you have many friends. You should do what you can to be a follower. Students with poor family economic conditions don't have to worry about their roommates' neglect, but they should also follow suit. After all, with the deepening of understanding, roommates will certainly understand you.
Respect the teacher's labor at the red light.
The relationship with teachers will directly affect the success or failure of studies. Worried that their courses will be "hung up", please teachers, teachers and classmates can only be disgusted. It is better to study in a down-to-earth way than to spend your mind on making friends with teachers. College students may wish to remember the following tips for getting along with teachers:
First of all, we should respect the achievements of teachers' labor. For example, turn off your mobile phone in class, don't eat snacks, finish your homework on time, and don't copy;
Second, we should take the initiative to communicate with teachers, who are knowledgeable and further digest courses in communication;
Third, respect the teacher from the heart, take the initiative to help the teacher clean the blackboard and clean the podium. Greeting the teacher with a smile is the most basic etiquette. If it is a teacher you admire, you might as well find a suitable opportunity to say to him face to face: "Teacher, your class is really good!" "
Second, strive to create an ideal space to relieve stress.
To relieve the pressure of college students, we should start from both subjective and objective aspects, and ignoring either aspect will not be effective in the end.
Strengthen the education of college students' outlook on life and values, and lay a good foundation for healthy growth. College students are at the beginning of wet experience in age, immature and plastic. From freshman enrollment to graduation assignment, there is not only a lot of work to be done, but also a thorough grasp of the correct outlook on life and values. For example, in order to guide students to set lofty goals in life and clarify their historical mission, it is necessary to hold a series of lectures on typical social figures and deeds frequently to enhance students' sense of social responsibility; In view of the hot and difficult issues that college students are generally concerned about, we should carry out ideal and belief education to stimulate students' learning motivation.
Provide a good environment and cultivate comprehensive quality. The construction of China in 2 1 century needs a large number of high-quality compound talents. In order to meet this demand, colleges and universities must completely change the traditional education model. That is to say, we must change the previous education mode of imparting knowledge and cultivating ability into an education that pays attention to the coordinated development of knowledge, ability and quality, that is, into a comprehensive quality education that pays equal attention to science education and humanistic quality education; Higher education must learn from each other's strong points in teaching, arouse students' enthusiasm and create an innovative educational environment. Let college students increase their knowledge, enhance their talents and develop their personality healthily through corresponding learning activities in a relatively relaxed cultural atmosphere.
Adjust the specialty setting in time and actively adapt to social needs. In recent years, advanced ......
Background of campus loan.
Students want to use their future money to satisfy their present material desires.
Why do college students choose to borrow campus loans?
Maybe because they don't understand. . . . .
From the perspective of supply, what are the reasons for the rapid development of campus loans?
Is there a word limit? If not, just say it briefly.
The massive issuance of money leads to excess social mobility, rising prices and inflation.
Low productivity and increased aggregate demand lead to rising prices and inflation.
What are the forms of campus loan fraud?
In recent years, with the popularity of internet finance, the change of college students' consumption concept and the actual demand of campus consumer finance, many financial platforms (P2P, etc. ), private small loan companies and other institutions took advantage of the trend to carry out loan business for college students, so various "campus loans" came into being and became popular in major campuses across the country.
As a new type of network financial platform, campus loan not only provides financial convenience for students, but also causes many social problems, which breeds illegal and criminal acts such as telecom fraud, extortion, stirring up troubles and violent debt collection. Due to the lack of social experience, poor awareness of prevention, weak psychological endurance and weak legal awareness, the illegal crime of "campus loan" has caused great psychological and spiritual harm to students, and some students have dropped out of school or even committed suicide, which has a very bad social impact.
At present, "campus loan" fraud mainly has the following forms:
One is to push loan advertisements to college students through the internet platform to avoid mortgage and low interest as bait to induce student loans, and ask them to pay loan fees, management fees, security deposits and other fees. It will be blacked out after receiving the money.
One is to collude with "vocational training institutions", hold vocational guidance lectures, exaggerate the training effect, sign training contracts with students who claim to improve their comprehensive skills, and collude with loan companies to induce students to borrow money to pay tuition fees, thus defrauding students.
There is also a more extreme, requiring students to provide photos, videos, ID cards and family phone numbers as collateral and guarantee for loans. Once students fail to repay their loans on time, they will use it as a threat to extort money.
Remember to go out, there is no free lunch in the sky, some are thrown by mom and dad.
What is a campus loan?
The platform for providing loans to college students is called campus loan.