Compared with the credit loans provided by traditional banks to college students, the interest and handling fees of online platform loans are higher and the information is opaque. In order to spend money or do business in advance, college students even borrow money to buy stocks to get loans. This kind of loan not only increases its own pressure, but also makes it easy to trace back once it breaks the contract, which is not worth the loss.
We should strengthen the education of college students' basic financial knowledge, improve their risk awareness and cultivate their "financial quotient". Only by mastering basic financial knowledge and eliminating ignorant lending psychology can college students borrow rationally and not be carried away by temporary pleasures.
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The Ministry of Education and other departments jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans in 20 17, explicitly requiring institutions established without the approval of the banking regulatory authorities not to enter the campus to provide credit services for college students.
The public security organs have always maintained a high-pressure attack on campus loans. Not long ago, Shenyang Public Security cracked a campus loan case involving 10 million yuan. In addition, many commercial banks increase the research and development and promotion of financial products such as student aid, training, consumption and entrepreneurship in colleges and universities, and provide standardized and legal financial services for college students, thus driving non-performing online loans out of campus.