In fact, peer-to-peer lending is very common now. From the beginning, it was aimed at the group of office workers, and now it has gradually extended its tentacles to college students. Millions of college students are admitted to colleges and universities every year. The threshold of peer-to-peer lending on campus is low, and now college students spend more and more shopping, which leads many college students to surf the Internet. If you can't pay off the loan in time, you will go to a road of no return.

1. Interest tentacles, low threshold, low requirements.

Yes, if you are a student who has just entered the university campus, the threshold and requirements of campus online loan are very low, and you basically don't need anything except some documents. This brings convenience to college students. Today's college students, from daily living expenses to love consumption and so on. Many comparisons are also taking place, which leads to the unrestrained spending of college students. Many female college students have gone to an extreme, borrowing money from the campus network to go shopping, buy cosmetics, luxury goods and so on. Campus loan is chosen by many college students because of its simple examination procedures and fast payment. Campus peer-to-peer lending companies lend money through intermediaries, from which a certain percentage of commissions are deducted. If the late repayment is not timely, the interest will continue to rise. Formed a complete gray industrial chain.

2. College students lack the concept of consumption and underestimate the consequences.

College students lack more social experience and experience. Many campus peer-to-peer loans start with classmates and roommates. Many college students don't know what is going on, so they choose to borrow money. Nowadays, it is very common for college students to compare and show off with others. Their own values are eroded by the temptation of money and they don't know how to correct their mentality. Indeed, the concept of consumption, coupled with the psychology of comparison, led some college students to choose campus online loans. As everyone knows, this is actually a road of usury. So I set foot on this thief boat.

It is still necessary to advise college students, especially female college students, to understand the appropriate consumption concept, not to spend blindly and not to show off their wealth. College students themselves should have their own values and consumption views. It is best to meet your own needs. Don't believe that pies will fall from the sky, after all, many losses are behind. There are too many cases of online naked loans, and there are too many accidents caused by college students borrowing their roommates' ID cards. We still call on the state to strictly control campus online loans to prevent tragedies.