What should college students do if they are deeply involved in loans?

The main reasons why college students fall into campus loans.

Driven by interests, a large number of private capitals compete to enter the campus loan industry, and advertisements are everywhere. From telephone poles to school toilets, to Internet means such as SMS, WeChat, QQ, etc., college students are not well prepared for the world and easily fall into the trap.

College students' incorrect view of money.

The comparison on campus is far more serious and direct than the comparison in life. Some college students who can't provide generous living expenses at home have a serious sense of inferiority. They hope to reject their self-esteem through different channels, and naturally hit it off after encountering online loans, but they don't understand their interest rates and are higher than their repayment ability, so they are easy to be blackmailed and many other problems.

Private capital is mercenary.

In order to get high returns, private capital is aimed at college students who are not deeply involved in the world. Through constant guidance, college students are caught in the whirlpool of loans, and those who cannot repay are coerced and lured, prompting college students to go to the point of no return.

Lack of family education

Parents don't correctly guide and educate their children about the use of money, so college students can't think independently in the face of colorful college life, and they can't resist the temptation of luxury, and their vanity is constantly expanding, which leads to college students obtaining money through illegal channels to make up for their own shortcomings.

Lack of education in schools

The school does not emphasize the simple outlook on life, keep up with the competition and follow the trend. It encourages college students to concentrate on their studies, make continuous progress, gain competitive advantages, and thus realize their personal values.

Insufficient control ability of campus loan separation

College students can use some false information to obtain loans, which blinds the credit review of the platform. College students try every time, and gradually the information begins to cover friends and relatives around you, which has brought serious negative effects to the students themselves.

The supervision of government financial institutions is not in place.

Campus loans generally have no formal business license, and government agencies can't supervise loans, which makes campus loans in a gray area of law, leading to college students' campus loan fraud.

Campus loan is one of the topics that sensationalized campus and public opinion on 20 16. The reason is that a college student in a university in Henan province used his identity as a classmate to obtain unsecured credit loans of up to several hundred thousand yuan from different campus financial platforms, and jumped off the building when he was unable to repay.

On April 20 16, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Prevention and Education Guidance of Peer-to-Peer Lending Risks in Bad Campus, explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for Peer-to-Peer Lending in Bad Campus, and at the same time establish a disposal mechanism for Peer-to-Peer Lending in Bad Campus.

2065438+On August 24th, 2006, China Banking Regulatory Commission also explicitly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the problem of campus loans.

Campus loans are usually divided into three types:

1. Staging shopping platforms for college students, such as fun staging, about staging, etc., some also provide lower withdrawal quotas;

2.P2P loan platform for college students' education and entrepreneurship, such as investment loans and famous school loans;

Third, credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao.

What are the common pitfalls of college students' campus loan routine loan? How to prevent and deal with it?

The problem of college students' campus loans has attracted the attention of many netizens. First of all, there are many routines for college students to borrow money on campus. There may be some invisible routines when signing a contract, and many platforms will choose to steal the concept. Although it shows zero interest, there are many handling fees, some deposits and so on. Many platforms will choose to seduce some college students under the guise of low interest and low threshold.

When we borrow money, we will find that it can be easily enlarged, but later we will find that there are many traps in the contract. For example, some platforms deliberately let borrowers default for seven days overdue, and then let borrowers compensate for high liquidated damages. Others will choose to introduce some loan platforms, and then let borrowers sign relatively high loan contracts and use loans to repay loans. In other words, we borrowed a software for 2000 yuan, and then we couldn't plan it. In order not to cause overdue phenomenon and pay high liquidated damages, someone will introduce you to B software and borrow some money to return A software.

Although the method of violent collection is illegal in China, many lending platforms will still collect it through some soft violence. For example, after borrowing money, if there is no way to repay it, college students will choose to intimidate some college students by bombing the address book or sending a blacklist of credit information.

Most college students choose online loans, which is nothing more than comparison. When we were at school, we found that many students bought some luxury goods. I may also want to have it, and I don't want to be inferior to others, but my parents are unwilling to give money, so some college students will choose to apply for online loans or campus loans. Here, Bian Xiang Xiao tells you that if we do something we can't recover, the result will be very serious, which is absolutely untouchable.

Why do college students fall into the scam of avoiding campus loans? How to avoid repeating the same mistakes?

Because college students have just entered a small society, they are not very experienced and do not know much about professional campus loan knowledge, so now more college students are caught in campus loan fraud. Bian Xiao believes that this will help college students to improve their awareness of prevention, master relevant professional knowledge and avoid repeating the same mistakes.

With the continuous development of network technology, online development is very rapid, and there are many methods, which can be said to be varied. However, college students who have just entered the university campus still lack social experience, so many lawless elements focus on these inexperienced college students and want to gain huge benefits from them. Bian Xiao has seen relevant investigation reports on the Internet, and found that the number of college students who borrow money from campus in our country is quite large every year, so Bian Xiao thinks that this also needs to attract the attention of friends.

As we all know, most of college students' living expenses are borne by their parents, so the monthly living expenses may be limited. But what they want to buy may exceed their living expenses, so they may want to borrow money from some institutions or friends. However, some people have grasped the psychology of college students and tried to induce them to take campus loans to satisfy their consumption psychology. Eventually, college students will be unable to pay their debts. What's more, some college students borrowed too much, which led to their own credit crisis and was institutionalized as untrustworthy by relevant state institutions. Bian Xiao believes that this consequence is quite serious.

Bian Xiao believes that college students should consider their actual level in the process of consumption, and it is best not to overspend or overspend reasonably according to their actual affordability. This can not only effectively avoid falling into the scam of campus loan, but also help them develop good consumption habits, which is also very helpful for their future growth.

Who to study finance and economics with: College students drowned in campus loans. Be careful of these 7 typical cases, please pass them on to people around you!

Introduction:

A junior from a well-known foreign studies university in Beijing returned to his hometown in Jilin during the summer vacation, leaving a suicide note for his family and then disappeared. Later, his family kept receiving debt collection messages and phone calls. On August 16, the missing college students were confirmed dead, and their families found out that they borrowed from multiple platforms in peer-to-peer lending, and there were also many intimidation, threat information and debt collection videos. At present, the police have launched an investigation.

Family members of drowning students continue to receive debt collection information.

From August 16, universities in Beijing began to welcome students back to school, but Fan Zeyi, who lives in jiaohe city, Jilin Province, could never go back to school. Fan Zeyi was born in 1997, a junior. On August 3, 20 17, Fan Zeyi, who was spending his summer vacation at home, told his family that he would go back to Beijing to go to school and then left home. According to Fan Ze's family, when Fan Ze left home that afternoon, his family found a suicide note in his bedroom, calling himself "one step wrong, one step wrong" and "I can't bear it in my heart".

After discovering the suicide note, the family immediately called Fan Zeyi's mobile phone, but the mobile phone could not be connected. Subsequently, the family immediately called the police, and the police immediately filed an investigation on the "missing person".

Fan Ze's family told reporters that the day after Fan Ze's disappearance, that is, on August 4, 20 17, Fan Ze's father's mobile phone began to receive dozens of text messages, all about debt collection.

A debt collection message received by Fan Ze's mobile phone.

At the same time, Fan Zeyi's father also received several debt collection calls. After the abuse, everyone on the phone claimed that Fan Zeyi borrowed it, but now he can't contact Fan Zeyi, so he collects debts from home.

On August 5, a floating corpse was found in the water. The results of DNA comparison show that the drowning body is Fan Zeyi himself.

In the recovered mobile phone of Fan Zeyi, it was found that Fan Zeyi borrowed the first 1500 yuan from an online lending platform named "Su X Loan" on July 438+06, and then borrowed 3,000 yuan from another online lending platform to repay the money borrowed from Su X, and then borrowed more money from another lending platform to repay the last one. In addition to "Speed X Loan", he also borrowed money from online lending platforms such as "X Guest Today" and "Ha X Mi".

How does campus loan rise rapidly?

In 20 14, "campus staging" appeared. First, from the iPhone and other products that college students love to buy but can't afford, combined with the advantages of e-commerce, land promotion, installment payment and so on, it spread rapidly in colleges and universities across the country.

According to statistics, in 20 16, the scale of college students' internet consumption credit has exceeded 80 billion yuan. This scale is only 26 billion yuan in 20 15 years. College students have less income, but they have great demand for digital products, tourism and entertainment, so they are more likely to accept credit consumption and installment payment.

The "campus loan" platform has grasped these needs of college students and vigorously promoted them on campus. In the past year or so, "campus loan" traps such as black agency and naked loan have occurred frequently, and some college students have become victims or criminals.

In 20 16, an 8.75G compressed package of "nude photos" of a peer-to-peer lending platform was circulated on the Internet, including a video of 167 female college students, which instantly pushed illegal "campus loans" and other issues to the forefront, and public opinion was in an uproar.

At that time, public opinion generally believed that it was the high consumption behavior formed by many college students because of vanity and mutual comparison that helped illegal "campus loans" run rampant.

But this argument of "hating iron and not producing steel" masks the "other side". Many campuses are hard to guard against loans. They seize the students' psychology, and even attack their relatives and friends to lead people into traps, such as the following seven kinds.

Seven typical cases of illegal campus loans

"non-performing loans"

Mainly refers to those 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.

Typical case: 20 16, 1 1, a sophomore in Zhangzhou, Fujian, ran away with millions of debts because of participating in bad campus online loans.

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.

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According to the law, the annual interest rate agreed by both lenders and borrowers 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 regarded as "0" and will not be supported.

Typical case: from 2065438 to March 2007, a college student in Fujian borrowed money from 800 yuan through campus loan advertisements. Unexpectedly, in the case of rolling interest, he has a debt of nearly 200,000 yuan!

Case study: The campus loan with a monthly interest rate of "0.99%" is easy to create the illusion of "low interest", but with the platform service fee, it becomes an ultra-high interest rate exceeding the annual interest rate of 24%! If you pay late fees, more than 36% will become illegal.

"multi-head loan"

Mainly refers to a kind of "debt-to-debt" multi-head loan arising from multiple campus loan platforms.

Typical case: In March of 20 16, a college student in Henan borrowed nearly 600,000 yuan from several campus financial platforms in 10, and later jumped to his death because of excessive borrowing.

Case analysis: the problem of "multi-head loan" lies not only in whether the campus loan platform is formal, but also in the huge repayment pressure directly caused by the lending of multiple campus loan platforms.

"MLM loan"

It mainly means that criminals recruit college students as campus agents with the help of campus loan platform, and ask students to go offline and collect money step by step.

Typical case: In February, 20 17, Jilin cracked a campus loan case involving more than 50 college students. Zheng Xiao, the protagonist, went offline as an agent and got a commission 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.

"single loan"

It mainly refers to a new type in which criminals take advantage of college students' job hunting psychology to obtain commission in the name of loan shopping.

Typical case: In the first half of 20 16, Nanjing student Chen was tempted to buy a mobile phone by "swiping a bill". Unexpectedly, after the successful installment purchase of mobile phones, the actual users refused to pay by installment and disappeared.

Case study: We should be highly alert to the typical "loan shopping" scam. When applying for a job, you must choose a formal and reputable unit, and beware of "good people" taking the initiative to introduce their work behavior.

"naked loan"

Mainly refers to the behavior of illegal creditors by threatening borrowers to use or indecent videos as evidence of loan mortgage.

Typical case: April 1 1 day, 2065438, a sophomore in Xiamen, Fujian, was involved in a "naked loan" campus loan, unable to bear the pressure of debt repayment and the harassment of debt collection, and chose to burn charcoal.

Case analysis: "naked loan" often causes psychological pressure on borrowers, which makes them unbearable and takes extreme measures. Once caught in a naked trap, you should take the initiative to report your lending information and call the police in time.

"training loan"

The "training loan" under the banner of financial innovation is actually a new variant of "campus loan", which is specially used to cheat college students who are not deeply involved in the world.

Typical case: 2065438+April 2007, an educational institution in Guangzhou tricked college students into getting loans on the grounds of "training course fees", resulting in 270 students being cheated.

Case study: this kind of campus loan is actually an element to trick students into participating in loan repayment through false propaganda.

How to prevent the "bad campus loan" after recognizing its true face? Experts give advice to achieve "three don 'ts": don't get involved in "bad campus loans"; Don't "irrational" consumption; Don't "take extreme solutions". Communicate with parents in time and call the police when their own safety is threatened.

I hope that no one will fall into campus loans and be cheated again.

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