What are the common forms of campus loan fraud? (1) Non-performing loans mainly refer to platforms that induce students to over-consume or bring malicious loans to students by means of false propaganda, lowering the loan threshold and concealing the actual tariff standards. Case study: Bad campus loans often have some risk problems, such as unknown rate, low loan threshold, lax review, uncivilized collection method, difficult risk control, easy transfer of risks to families, unqualified campus agents, etc., which should be identified. Safety tip: We must resolutely resist the use of "bad campus loans", do not use campus loans easily, and seek help from family members or colleges for some temporary financial needs. (2) usury according to the provisions of the Supreme Court, the annual interest rate agreed by both borrowers and lenders should not exceed 24%, which should be supported; The agreed interest rate of 24%-36% between borrowers and lenders is a gray area. If the interest rate agreed by both borrowers and borrowers exceeds 36%, it will be classified as usury and will not be supported. Case study: The campus loan with a monthly interest rate of "0.99%" is easy to create the illusion of "low interest", and the platform service fee becomes an ultra-high interest rate exceeding the annual interest rate of 24%! If you pay late fees, more than 36% will become illegal usury. Safety tip: Understand the criteria for judging usury, pay attention to information such as interest rate, repayment period and overdue consequences, comprehensively evaluate and formulate a reasonable repayment plan, resolutely resist high-interest loans or usury platforms, and report to the police in time if you fall into the trap. (3) Multi-head loan mainly refers to a kind of multi-head loan that is "paying debts with loans" due to loans from multiple campus loan platforms. Case analysis: the problem of "multi-loan" lies not only in whether the campus loan platform is formal, but also in the repayment pressure directly caused by loans from multiple campus loan platforms. Safety tip: We should be highly alert to the huge repayment pressure easily caused by "multi-head loans". While enhancing their resistance to "bad campus loans", college students should try their best to borrow from some relatively formal loan platforms (such as Ant Borrowing, JD.COM Baitiao, etc.). (4) MLM loans mainly refer to criminals recruiting college students as campus agents with the help of campus loan platforms, requiring students to go offline and collect money step by step. Case analysis: three criteria for judging pyramid schemes: whether it is necessary to pay membership fees; Whether to let the development go offline; Whether to implement progressive commission. The students involved in the case are both victims and perpetrators, and most of them are used by criminals without knowing and driven by interests. Safety tip: Understand the three standards of pyramid scheme fraud, and be wary of all kinds of part-time agents in the name of "campus loan" to avoid falling into pyramid scheme trap. (5) Brush loan mainly refers to a new type of fraud in which criminals take advantage of college students' job hunting psychology to obtain commission in the name of loan shopping. Case study: The actual users of mobile phones refused to pay by installment when they bought their mobile phones. This kind of fraud is exactly the same as the previous part-time fraud. Safety tip: Be highly alert to the typical "loan shopping" part-time scam. When applying for a job, you must choose a formal and reputable unit, and beware of "good people" taking the initiative to introduce work behavior. (VI) Naked loan mainly refers to the act of illegal creditors coercing borrowers to take nude photos or indecent videos as evidence of loan mortgage. Case analysis: "naked loan" often causes psychological pressure on borrowers, which makes them unbearable and takes extreme measures. Safety tip: Once you fall into a naked trap, you should take the initiative to report your lending information and call the police in time. (VII) Training Loan The "training loan" under the banner of financial innovation is actually a new variant of "campus loan", which is specially used to deceive college students who are not deeply involved in the world. Case analysis: this kind of campus loan fraud is actually a fraud to trick students into participating in loan repayment through false propaganda. Safety tip: We should establish a correct view of consumption and money, enhance our awareness of self-protection, think twice before you do projects involving campus loans, and seek help from colleges or family members in time. There are mainly the above seven forms. As students, the victims of such cases have no strong defense ability against some things and people in society, and are easily induced by relevant interests under multiple temptations, which will have a serious impact on students' future life. China's relevant regulatory authorities should continue to strengthen the prevention of such cases.