Current location - Education and Training Encyclopedia - University rankings - What is campus loan and how to identify it?
What is campus loan and how to identify it?
Campus loan refers to the behavior of students borrowing from formal financial institutions or other lending platforms. 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.

You can conduct on-site publicity. "In the publicity session, the staff explained that students are one of the main groups of online shopping. When you encounter the link of "Security Center and Authentication Center" sent by email, SMS and chat tools, you must be vigilant, don't click on it, don't disclose your account number and password, and if you don't understand the problem, you should consult the bank, open SMS reminder service, and check the changes of funds in your account in time.

1.20161kloc-0/on October 27th, the reporter visited Hainan University, Hainan Normal University, Qiongtai Normal University, Haikou University of Economics, Hainan Vocational College of Business, etc. According to students, "campus loan" has spread to varying degrees in Hainan universities.

2. Xiao Liu, a junior girl from Qiongtai Teachers College, revealed that she used "fun installment" and e-commerce installment payment to buy mobile phones and computers. "Our quota is low, generally around two thousand yuan. When you want to buy something but your living expenses are not enough, you can buy it first and return it next month. The pressure will not be too great. "

3. Fu Xiao, a girl majoring in primary education in Hainan Normal University, revealed that 800 yuan's monthly living expenses are a "less source of income" among her classmates. "I generally don't wear makeup, and it's cheaper to buy daily necessities. I won't feel tight, but some students are under great financial pressure." Fu Xiao revealed that there are also students around who spend too much money, but it has not caused too much embarrassment. "Many students in our normal colleges will go out to work as part-time tutors, with a class of twenty or thirty yuan, usually two hundred yuan a week." Fu Xiao believes that campus loans may stimulate excessive consumption and excessive consumption, but it may be a timely rain for students who need to start a business.

4. Wang, a junior at Hainan Vocational College of Business and Technology, revealed that for boys, the role of campus loans is mainly to buy digital products. "Digital products often attract boys' attention most, but these things are too expensive for us to bear, so we can only take some so-called' shortcuts'."

5. "I used Vipshop's' Weipinhua' to buy things without any mortgage or conditions." A girl from Haikou University of Economics revealed that because of the credit card, you can use the platform loan to shop, which also stimulated your consumption to some extent and shifted the economic pressure to next month.

6.2018.10.08, some media revealed that a college student had successfully borrowed three loans at the money station, with a total loan amount of 28,000 yuan, but the maturity was as high as 60,000 yuan. Unable to repay, the student had to drop out of school and even wanted to commit suicide.

7. 19-year-old female college student "naked loan": she really wants to buy a new mobile phone. She owed more than 1 10,000 "campus loan". In order to repay the interest, she borrowed money many times and was finally photographed naked by the borrower. I told my parents before and after, and called the police station in the jurisdiction. Stop repayment at the suggestion of the police.