Campus loans are divided into four types: consumer finance companies, P2P lending platforms (online lending platforms), offline private lending, and banking institutions.

Strictly speaking, campus loans can be divided into four categories:

(1) Consumer finance companies-such as interest installment and periodic installment. , some also offer a lower withdrawal amount;

(2)P2P loan platform (online loan platform), which is used to help college students start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;

(3) offline private lending-private lending institutions and lenders, commonly known as. There are usually some problems, such as false propaganda, offline signing, illegal intermediary, charging ultra-high rates and violent collection. Victims usually suffer huge property losses and even threaten their own safety;

(4) Banking institutions-campus products provided by banks for college students, such as "lightning loan for college students" of China Merchants Bank, "Golden Bee Campus Express loan" of China Construction Bank and "Learning E loan" of Qingdao Bank.

The Harm of Campus Loan

First, campus loans are of a nature. Criminals aim at colleges and universities, taking advantage of college students' poor social cognitive ability and weak psychological prevention ability to carry out short-term and micro-loan activities. On the surface, the interest rate of this kind of loan is very low, but in fact, the interest earned by criminals is 20-30 times that of banks, and the annual interest rate often exceeds 100%. If there is a situation of robbing Peter to pay Paul and multi-platform loans, the amount of loans that need to be repaid in the end will become an amazing number.

Second, campus loans will breed bad habits of borrowing students. The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses, they usually have bad consumption habits, and the expenses provided by their parents are not enough to meet their needs. These students are likely to turn to campus to get funds and cause bad habits. Desire is endless, the abyss is easy to enter, and it is difficult to turn back.

Third, the means of campus loan collection is extreme. Lenders often ask students to provide all kinds of social relations information, parents' unit and home address, indecent photos and so on. Used for mortgage before loan. Once students fail to repay their loans on time, lenders often resort to intimidation, beating, threatening students and even their parents to collect debts violently, which will do great harm to students' personal safety, reputation and family.

Fourth, criminals engage in criminal activities in the name of "campus loans". Lenders may use the collateral and deposit of campus loans to students, require students to sign high-value false IOUs as "guarantees", or use students' personal information to make phone calls, defraud credit cards and other criminal activities.

Fifth, bad credit information affects the future. New regulations on private lending: The upper limit of judicial protection of private lending interest rate is determined based on the one-year lending rate (LPR) issued by the National Interbank Funding Center authorized by the People's Bank of China. If there is private lending, it is necessary to repay its principal and interest within four times of LPR; Overdue campus loans will also be recorded in the credit report, which is likely to affect future loans to buy a house, buy a car, and apply for a job. And the resulting bad credit record will affect your future.

Two, campus loans can be divided into several categories according to business classification?

Campus loans are illegal and prohibited by the Ministry of Education and the Banking Regulatory Bureau.

Three, try to describe the types of campus loans and their harm?

Campus loan, also known as campus online loan, refers to the loan business carried out by some online lending platforms for college students. The survey shows that the risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

The Harm of Campus Loan

First, campus loans are of a nature;

Second, campus loans will breed bad habits of borrowing students;

Third, if the loan cannot be returned in time, the lender will use various means to collect debts from the students;

Some criminals use ""to commit other crimes.

What are the characteristics of campus loans?

Although campus loan has the advantages of convenient application, simple procedures and rapid loan, it also has the characteristics of lax information review, high interest rate and high liquidated damages. Students may fall into the trap of "chain loan" under the inflated consumption desire and fluky psychology, and it is urgent to strengthen supervision.

The risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

With the increasing number of student online loan platforms, only by lowering the loan interest rate and increasing the loan amount will more and more student borrowers fall into the installment trap, discrediting their own reputation, reducing the profitability of the platforms and causing losses.

4. What are the similarities between beauty loans and campus loans?

The Essence of "Beauty Loan" and "Campus Loan"

Don't let "American loan" relay "campus loan". On the one hand, it is necessary to implement "source management". It is not difficult to see that "American Loan" has been completely cleaned up and rectified in accordance with the requirements of the Notice on Cash Loan Business issued by the relevant state departments on February 1, and the credit punishment measures have been further improved, effectively breaking one promise and binding everywhere.

The "American loan" intermediary can get a commission of up to 65% of the loan amount. The cooperation between these intermediaries and beauty agencies can be described as "each needs what he wants, the threshold is low and unsecured, and the scene relies on it." For young students, it is easy to fall into the trap carefully set by some illegal intermediaries and beauty institutions. " "Beauty loan" was set up by people with beauty needs and repayment ability, but it was turned into a tool for "collecting money" by some lawless elements.

First of all, whether personal loans have collateral is divided into mortgage loans and unsecured credit loans. There are two kinds of loans.

1. Unsecured credit loan, referred to as credit quality, punch card salary, social security accumulation fund, etc. , is a pure credit loan issued by banks to individual customers. There is no direct difference between the two concepts here.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. There are two kinds of mortgage consumer loans, and the amount of mortgage consumer loans will generally not exceed 654.38+0 million. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, the company, children, brothers and sisters are required to be in their own names or the names of immediate family members. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's look at the operation:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face, bank face-to-face, need to provide operating companies such as real estate, such as changing shareholders or legal persons, or newly registered companies. Of course, it depends on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Borrow money,