1, training loan:
(1) When you meet a well-paid company when applying for a job, you still have to pay a high training fee when signing an employment agreement;
(2) Students are unable to pay, and the company staff said that they can borrow money from the company or a third party first;
(3) After the students applied for the loan, the high salary promised by the company was not obtained, and they still owed the loan for handling the "training loan".
2. Leaseback loan:
(1) Students lease their mobile phones to the loan platform and bind the specified Apple ID.
(2) The platform evaluates the price of mobile phones, during which the platform requires students to fill in information such as ID cards, bank cards and emergency contacts;
(3) "beheading" has been paid, and the corresponding "service fee" and evaluation fee have been deducted from the loan obtained by the students;
(4) Since the mobile phone is still used by me, the platform agrees with the students on the use period (loan period) and the repurchase price (repayment amount) by renting back the mobile phone. If you don't repay the loan on time, you will threaten the borrower by reading the phone address book and locating the phone.
3. Naked loan:
(1) Borrowers (mostly female college students) borrow money through online platforms and set high interest rates;
(2) Take the nude photo of the borrower holding the ID card as the guarantee;
(3) When the borrower fails to repay the loan as scheduled, the lender will force the repayment by publicizing his nude photos and contacting his parents.
4. Beauty loan:
(1) is mainly aimed at students who love beauty but lack money;
(2) When the students are unable to pay the operating expenses, the consultant recommends credit loans and installment payment, and encourages the students to take loans without any fees and interest.
(3) Due to the cooperative relationship between beauty institutions and financial platforms, the process of loan issuance is relatively random, and there are hidden financial risks.
5. Brush the loan:
(1) The criminals said that the employees of the online lending platform "brushed their performance" and paid a small commission as a reward;
(2) Induce students to apply for online loans with their identity information and transfer the loans to designated accounts;
(3) After the swindlers gain trust by repaying the previous monthly payment, they continue to induce student loans;
(4) Finally, the swindler runs away with the loan money, and the outstanding money needs to be repaid by the students themselves.
6.MLM loan:
Criminals use the campus loan platform to recruit college students as campus agents, requiring students to pay membership fees, develop offline, and commission step by step, which has the characteristics of pyramid schemes. Source: People's Daily, Ministry of Education official website, etc.