Have female college students been dissuaded by the school for being deeply involved in campus loans?

Xiaojie who is deeply troubled by "campus loan". Provided by family members

A grief-stricken father cried helplessly: drop out of school, get into debt, run away, and repay my good daughter with "campus loan"

Mei Jianming

I'm exhausted. I just want to understand why my daughter can borrow money many times without an ID card. How can I save my daughter?

-Xiaojie, I sincerely hope that you can see your father's sad and helpless words and understand his pains.

Yesterday morning, the journalist received a phone call from Mr. Wang, a resident of Ganyu County, Lianyungang City. The phone call was for help, because her daughter Xiaojie was poisoned by campus loans, repeated grades and was persuaded to drop out of school. Parents and friends continue to receive inexplicable debt collection messages. Mr. Wang borrowed money everywhere and paid back more than 200 thousand for his daughter, and her daughter left home again. Now even Mr. Wang doesn't know where his daughter is and what she did, but from the bank card transaction records left at home, it can be seen that her daughter who didn't even bring her ID card borrowed several pens after leaving home. ...

Niu Zi reporter Mei Jianming intern Li Qiqi Ailuqi

A good daughter becomes a "persuasion woman"

She kept asking for money from home, and she failed in the final exam.

Xiaojie,1born in June 1997, has been doing well from primary school to high school. "In September of 20 15, I entered the Foreign Languages College of a university in Yangzhou with a score of 12 higher than one line." Mr. Wang told reporters that the accident happened in the first half of 20 16. The school called to tell him that Xiaojie often skipped classes at school and even failed six courses at the end of the term. He was warned by the school that he might face persuasion. Mr. Wang arrived in Yangzhou from Ganyu. Under the pleading, the school agreed to let Xiaojie continue his studies and see what would happen in the future.

Mr. Wang told reporters that he and his wife are employees of public institutions. They were diagnosed with Parkinson's disease five years ago and have been recuperating at home. There is also a son in the fifth grade of primary school at home. Family education has always been traditional and strict. Before that, my daughter also made them proud. Who knows, just one year in college, his daughter "made a blockbuster without singing", which made him almost desperate.

After his daughter promised to change, Mr. Wang went home nervously.

2065438+In April 2007, Mr. Wang received a phone call from his teacher again. His daughter often plays games outside the school, stays up all night, borrows a lot of "campus loans" and is unwilling to attend classes. Mr. Wang came to school again. After coordination, he suspended his daughter and took her home to "sit on the moon."

"We bought her a new computer and her mother's gold necklace, and she said it was stolen." Mr. Wang said that in hindsight, she sold them all. Before, I didn't find that she was lying. After the university began to fall, there was no truth.

"Giving her 2,000 yuan a month for living expenses should be enough in Yangzhou." Mr. Wang said, but my daughter often said that she didn't have enough money and asked him for money in various names. During the school year and a half, she gave her daughter nearly 60 thousand yuan, but Mr. Wang didn't feel any different at that time.

Xiaojie's loan contract.

The story of a desperate father

Disappointed again

Without an ID card, she can borrow money while hanging out.

My daughter disappeared from Mr. Wang's sight this time, just like a kite with a broken line. Mr Wang Can will never find her again. "We didn't know she existed until she called us."

Previously, in order to prevent his daughter from borrowing money, Mr. Wang confiscated her daughter's ID card and bank card, smashed her daughter's mobile phone, destroyed her mobile phone card and even sold the number, so they didn't have her mobile phone number.

The deep pit of campus loan is far more terrible than Mr. Wang imagined. Mr. Wang told reporters that by inquiring about the bank card bound by his daughter Alipay, he learned that his runaway daughter borrowed 2,000 yuan from the "Campus Loan" on October 9, 65438, and borrowed another 2,000 yuan on June 4. 165438+1borrowed 8900 yuan on October 3rd and 9000 yuan on October 23rd ... "These loans must have ID cards. I went to the police station to inquire, but she didn't reissue her ID card. How did the money come out? "

Not only that, Xiaojie has been living in a hotel in Ganyu County in August. Mr. Wang found the hotel when he heard the news. The boss told him that Xiaojie said that he had lost his ID card because he was an acquaintance. Mr. Wang learned that from Ganyu to Yangzhou by car, you need to show your ID card to buy a ticket, but your daughter can actually travel smoothly; How can a daughter who claims to work in Yangzhou Gym get a job without an ID card? "My daughter doesn't have an ID card, but it doesn't affect her to borrow money to run away from home. Why? "

In fact, the reporter found that in today's e-wallet situation, even if Xiaojie uses his ID number to book tickets and seats online, he still needs to show his ID card when he really wants to pick up the tickets and check in. As for how she avoided this, it is still unknown.

Receive dunning information

I finally understand that my daughter was cheated by the "campus loan".

"After receiving the dunning text message, I realized that my daughter borrowed a lot of money outside." Mr. Wang said. Judging from the contents of the short messages he showed to Buff reporter, harsh words such as "during school", "pregnancy", "I don't know whose child it is" and "abortion" came one after another. These short messages were not only received by Mr. Wang and his family, but also by other relatives and friends, even the classmates and teachers at school.

Mr. Wang said that in July this year, two men rushed from Nanjing to Mr. Wang's home in Ganyu, demanding that Mr. Wang pay back the money for his daughter, otherwise he would forcibly take Xiaojie to Nanjing to work and pay back the money. Mr. Wang was anxious to call the police, and the matter went away.

"My daughter borrowed tens of thousands of yuan from three lending companies for a period of only 20 days, and the interest was horribly high." Mr. Wang said that through the loan records and IOUs, he found that he got 6,000 yuan in one lump sum, and the IOUs he played were 1000 yuan; It is 6500 yuan to get it, and 20 thousand yuan to owe it; A loan of 8,000 yuan and a debt of 24,000 yuan.

Niuzi Xinbao reporter saw that in the "Campus Loan" loan contract signed by Xiaojie, as the lender of Party A, all of them were blank, and some IOUs were not even written to whom or from which institution, which was extremely irregular, but Xiaojie had to write at least seven mobile phone numbers such as grandma, parents, classmates and teachers in the contract, which also laid the groundwork for debt collection.

According to statistics, as of August 1 day this year, Xiaojie borrowed from 38 lending companies, with a total amount of more than 200,000 yuan. Under the pressure of her daughter's repeated promises to make corrections and the debt collection company's constant sending humiliating text messages everywhere, Mr. Wang had to promise to pay back the money. Mr. Wang took out his savings, borrowed money from relatives and finally paid back the money.

After keeping her daughter at home for several months, her daughter made up her mind again. Mr. Wang agreed to let her go out to work, hoping that her daughter would suffer and know that life and money are not easy. But it turns out that the daughter once again let her father down.

Small loan advertisements posted on university campuses.

Root cause?

Make friends with rich people, and children may have the heart to compare with others. ...

Yesterday afternoon, Mr. Mao, the head teacher of Xiaojie University, told Xinbao that Xiaojie had just entered the university and performed well. In the eyes of college roommates, Xiaojie dresses in fashion and gets along well with everyone. "We always thought that her family was very good." A roommate said that she later found out that she often asked for money from home, and then she received a text message from a debt collection company, only to realize that this was not the case at all.

Mr. Wang told the reporter of Xinbao that since her daughter met a female friend, she often went out to play games with her daughter all night. This friend's family conditions are relatively rich, which may be caused by the heart of comparison, which leads her daughter to ask for money from home constantly, and then set her eyes on various lending platforms.

The latest content of Xiaojie's WeChat circle of friends is a photo of a table of dishes, and another is in a health club. Niu Zi reporter contacted Xiao Jie by phone, but when she learned the identity of the reporter, she said that she was going to work, and hung up and never answered.

Journalist experience

"Campus loan" is easy, but it is difficult to have an effect if it is banned.

On September 6 this year, Zhao Jianjun, deputy director of the Finance Department of the Ministry of Education, said at the press conference of the Ministry of Education that according to the management documents regulating "campus loans", no online lending institution may issue loans to college students. However, the ban on campus loan business comes from the Ministry of Education. The Notice on Further Strengthening the Standardized Management of Campus Loans issued on June 28th was also from CBRC, Ministry of Education and Ministry of Human Resources and Social Security. Corresponding to these administrative departments, at most, it can only be administrative punishment.

Despite this, the doors of many loan websites are still open to college students, and some loan platforms still issue loans while knowing the identity of students. When visiting many colleges and universities in Nanjing, the reporter found that the advertisements of "campus loan" obviously aimed at college students in some public places are still posted publicly, such as "credit loan for college students", "easy loan for classmates", "borrowing with student ID card" and "worry-free student loan".

The Beijing News reporter found a loan website online. After opening, the page shows the words "5 minutes loan". Click "withdraw money now" and the phone will automatically jump to the download interface of the APP. After the download is completed and opened, the reporter chooses the loan amount and loan term. The identity verification interface will prompt you to scan the front and back of your ID card and recognize your face. You need to fill in your name, ID number, current occupation and education. After all the prescribed procedures are completed, the APP will transfer money according to the bank card provided by the borrower himself. In other words, even if "campus lending" has been banned, there are still many lending apps that can provide loans to students.

Legal person appeal

Severely crack down on loan crimes and strengthen student consumer guide

The Beijing News reporter learned from a police officer in Nanjing who asked not to be named that in the first nine months of this year alone, more than 20 college students were forced to drop out of school or run away from home because they were unable to repay campus loans, and their families turned to the police for help. In this regard, Chen Lingxia, a lawyer of Jiangsu Dongheng Law Firm, told Niuzi News reporter that the current "campus loan" mainly has these problems: 1, and the applicant is not strictly examined; 2. The interest calculation is opaque, and the advertised low interest rate is actually suspected of usury; 3. No risk notice; 4. The way of debt collection is unreasonable, even suspected of breaking the law.

Lawyer Chen believes that "campus loan" is legally a private loan. According to "Several Opinions on People's Courts' Trial of Private Lending Cases", the annual interest rate of private lending shall not exceed 24%. If this limit is exceeded, the excess interest will not be protected. In addition, the lender shall not include interest in the principal to seek high profits. A loan relationship formed by one party through fraud, coercion or taking advantage of others' danger to make the other party go against its true meaning shall be deemed invalid.

"Some people involved in crimes should be severely punished." Lawyer Chen told reporters that it is suspected of a criminal offence to demand debts by threatening the borrower's nude photos or videos.

"These children are basically supervised by their parents from autumn to high school. When they enter the university, they are all adults, basically out of their parents' sight, with more autonomy, and facing more consumer temptations, they may lose themselves. This requires parents, schools and society to make up for the position in time and carry out the correct consumer guide. Lawyer Chen Lingxia said that although microfinance belongs to the lending business approved by the People's Bank of China, it is open to all 18-year-olds with full capacity for civil conduct, college students are still a special group after all, so strictly regulating or eliminating these obstacles that may affect their growth from the outside may better avoid so many tragedies.