Everything has two sides, which can't be completely denied or completely affirmed. The first is the purpose of the loan. If you buy luxury goods for high-end consumption, then the premise is that you have enough repayment ability. If the monthly living expenses are only 1000 yuan, but you borrow 20,000 yuan for high-end consumption, you can't afford it directly, so you have to borrow more money to rob Peter to pay Paul and fall into a deep pit. This kind of thing is inevitable. Because of the simple and convenient procedures, online loans have attracted many college students with strong demand, and investors have also seen this market, so a large amount of capital has poured in. To put it bluntly, online lending is equivalent to moving to the Internet. The bank stipulates that the annual interest rate is more than four times that of the bank, but the online lending platform has played a conceptual routine. They only have daily interest rates and monthly interest rates, and there is no annual interest rate. The result is neither illegal nor legal. It belongs to the gray area.

Second, how do college students prevent online loans

First, strengthen self-protection awareness and resolutely crack down on illegal online lending.

Non-performing loan platforms such as "campus loan" and "cash loan" not only charge interest according to the loan principal, but also have various forms of additional terms such as "handling fee" and "deposit", and the comprehensive financing cost is extremely high. After loans overdue, telephone collection, personal information disclosure on the Internet, and even violent collection and threats will seriously affect students' study, strengthen their awareness of self-protection, take the initiative to understand the basic knowledge of financial loans and laws and regulations, and constantly enhance their ability to distinguish loans.

Second, improve financial factors.

In modern society, finance and everyone's life, how can financial development improve our lives and effectively resist various risks? Therefore, it is necessary to master the necessary financial knowledge, improve the necessary financial knowledge and skills in self-study and life, avoid falling into various financial scams due to lack of risk awareness or discrimination, improve the ability to identify businesses harmful to peer-to-peer lending, and handle financial business by self-financing institutions.

Third, cherish personal credit and safeguard their legitimate rights and interests.

In human society, students should establish the values of "credit is the foundation of life", consciously cultivate the spirit of contract and honesty, pay attention to the protection of personal information, and enjoy the inconvenience of daily life, further studies and employment, thus affecting their own life development.

Fourth, establish a healthy consumption concept and carry forward the virtue of thrift.

College time is beautiful and precious. Students should adhere to the principles of not blindly following, not comparing with others, and not showing off, control consumption in advance and overdraft within a reasonable range, form a correct lifestyle of living within one's means, and carry forward the virtues of thrift.

Fifth, enhance the awareness of network security and strive to be a good financial netizen.

In order to greatly improve the previous opponent, students should strengthen the performance of network security fraud and deception tactics, be vigilant, and consciously illegal financial advertising, illegal card theft and so on. Do not create or spread financial rumors, condone or compromise illegal financial activities, and safeguard Qinglang.com.

Third, how to treat the harm and preventive measures of college students' loans and campus online loans

Nowadays, college students do a lot, and then they may especially want to buy things they like in their lives, and then it is impossible for their families to give them so much money at once, and then they are not allowed to buy such things at home. Therefore, many people will choose loans, and then often loan companies will not lend to college students, because college students have limited repayment ability, and lending them will undoubtedly increase their own risks.

But they are not so concerned about that kind of black-hearted routine loan. They just want to catch one loan after another, then try their best to make money from college students, then make a regular loan on campus and make a profit. There are really many such things, and then how to avoid them at this time? I think if you really need money and then do something meaningful, it is understandable, but you must make a good plan, in fact, there is no risk, and then you must find a formal loan company, not a routine loan company!

Fourth, the harm of college students' information leakage?

1.

It won't make any difference if there is no accident.

2.

The disclosure of the student number depends on whether it is revealed to people you know, strangers or organized people. Some people in the society will buy a lot of information about their school status and then sell it to all kinds of secondary schools, vocational colleges and extracurricular training institutions in need. After purchasing information, secondary vocational colleges call students or parents in batches and send text messages for enrollment promotion.

3.

You are a high school student. As long as you apply for the national unified recruitment colleges, it will not affect your college entrance examination. If you are contacted by a school that you have not reported to, you need to check it carefully.

4.

In addition, if high school students don't graduate, they still belong to secondary education, which can't be found in Xuexin.com. From 20 18, high school and secondary vocational education began to enter Xuexin.com, which can be found all over the country. 18, high school graduates should be able to find Xuexin.com's academic information ... If you are a high school student and don't have a Xuexin.com account, you can enter Xuexin.com, register your Xuexin.com account with your ID card and mobile phone, then log in, enter the Xue Xin file, and click on the student status information to inquire. If you have a Xuexin.com account, you can log in and change your password in time.