Correct.

The university campus is like a small society. In addition to studying, the social circle is also very large, and extravagant and wasteful life is basically commonplace. This phenomenon is not unique to individual college students. In the report of China Youth Daily on the survey of college students' consumption, 2000 students were surveyed, of which nearly 80% were moonlight clan.

In addition to the extravagance and waste of daily consumption, there are also college students who have a strong psychological comparison. When others wear brands in the dormitory, they will have the psychology of keeping up with the joneses. If the family economy does not allow it, then the low-threshold campus loan is their most wanted choice. As long as you fill in your personal identity, family identity information and home address in ten minutes, you can easily get thousands or even tens of thousands of dollars.

But the money is borrowed. For college students who have no income, repayment is a difficult problem. Almost no repayment on time. Even if the repayment is made on time, there will still be interest unpaid. In this way, the interest is only 1000 yuan, and the continuous interest is tens of thousands.

Some people will borrow money from other platforms before they finish, robbing Peter to pay Paul, and finally there are holes everywhere, even ruining their future. None of the students who borrowed campus loans were unable to pay tuition or living expenses. In recent days, the national funding system conducted a survey of college students, and found that the most campus loan incidents in the past two years were caused by excessive consumption or other personal reasons.

Facts have proved that many college students' consumption views have not been correctly established. Excessive comparison, extravagant consumption, no sense of self-protection, no self-control in the face of temptation. It will lead to the upsurge of campus loans, and these regrettable tragedies have appeared. It is certain to crack down on the campus loan platform, but it is more important for college students to learn to manage themselves!

Second, why are the tuition fees for juniors and seniors expensive?

Tuition fees for the last two years of software engineering are generally expensive for two reasons:

1. The college will arrange many more practical activities than other majors, and these practical activities need financial support.

2. Software Institute is the product of educational industrialization in the early 20th century. At that time, China established a software institute on the basis of pilot projects, and set up software engineering majors in some universities. The idea was to combine teaching with practice. As a pilot of educational system reform, software colleges should bear considerable expenses independently, instead of being mainly supported by the state like traditional majors. Software engineering was added by the Ministry of Education in 2002. With the continuous expansion of computer application and the continuous development of China's economic construction, software engineering specialty will become a new hot specialty. Software engineering specialty is based on computer science and technology, and emphasizes the engineering nature of software development, so that students can master the basic knowledge, methods and skills necessary for software requirements analysis, software design, software testing, software maintenance and software project management on the basis of computer science and technology knowledge and skills, highlight the cultivation of students' professional knowledge and skills, and cultivate senior professionals who can engage in software development, testing, maintenance and software project management.

Third, why do senior boys fall into campus loans?

Xiao Xie, 23, will graduate from college in more than a month. In the past six months, he will collapse, and all this comes from campus loans.

Xiao Xie lives in Ankang rural area, and his mother and her brother raised him together. I had hoped that he could find a suitable job after graduating from college and reduce the burden on his family. But now I have sold all the homesteads where I built my younger brother's house, and I can't fill the "black hole" caused by this campus loan. From last June 10 to now, he has paid back more than 2 10000, with a deficit of more than 50,000, and is still generating interest on a weekly basis.

"It's all my fault, I have no consciousness at all, and finally I get deeper and deeper." When Xiao Xie went to college, his family was in financial difficulties. He applied for a student loan with a tuition fee of 6,000 yuan. Living expenses are paid by his mother monthly. In the second semester of sophomore year, the living expenses are tight. Xiao Xie saw some advertisements about campus loans from the Internet. The most important thing is that the loan can be repaid in installments. So he downloaded the campus loan APP according to the tips in the advertisement, and provided the other party with personal information such as his ID card and student ID card. The other party quickly transferred the loan 1 0,000 yuan to his designated bank account.

Regarding the time and purpose of the first loan, Xiao Xie said that he had no impression at all. The personal credit report he provided showed that from March 20 16 to June 20 18, he had 6 1 repayment records. Every repayment record means a loan. The first loan was settled on March 25, 2006+2065438. According to the credit report, Longqing Branch of Harbin Bank provided a personal consumption loan of 1 100 yuan.

Since then, Xiao Xie has got three or four loans almost every month, ranging from 200 yuan to 4,000 yuan. "Sometimes the loan can't be repaid in time, so we have to rob Peter to pay Paul." The largest number of loans to Xiao Xie is Harbin Bank Longqing Sub-branch, with more than 40 times, followed by China Foreign Economic Relations and Trade Trust Co., Ltd., Gome Electrical Appliances Co., Ltd. and other financial institutions.

2065438+On June 28th, 2007, China Banking Regulatory Commission announced that China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security jointly issued a notice, demanding that all online lending institutions suspend the online loan business for college students, and defining the withdrawal schedule. 2065438+On September 6th, 2007, the Ministry of Education held a press conference, making it clear that "campus loan business is prohibited, and no online lending institution is allowed to issue loans to college students." Banks have closed the "main entrance" to provide credit services to students, while various loan apps have opened "side doors" to students. The next offline private lending made Xiao Xie completely unable to turn over.

Content source: Netease News

Fourth, why can campus loans make college students deeply involved?

I have never been exposed to campus loans. Personally, I think the so-called loan is to let you spend money first and then pay back the money. So some students who are short of money and want to spend money are trapped, thinking about spending all the money next month this month. There are parents anyway!