The case of campus loan?

First, the case of campus loan?

Case 1: College students asked their classmates to lend more than 2, yuan to gamble.

A college student in Hangzhou lied that he owned a shipyard at home and had a hotel in Singapore, which was a standard trench in the eyes of his classmates. After gaining the trust of his classmates, he tried to prove his ability at home by doing purchasing business, but in the name of lack of start-up funds, he defrauded his classmates to help him get a loan from the Internet financial platform, and after getting the money, he used it for gambling, and finally.

Case 2: College students bought a mobile phone loan of 3, yuan and rolled into a debt of more than 7, yuan

A student from a university in Hubei applied for an online loan in order to buy an Apple 6 mobile phone and other expenses last October. Subsequently, after robbing Peter to pay Paul, he kept looking for loans from other small loan companies to pay off debts, and finally owed more than 7, yuan to many companies, while the original amount was only 3, yuan.

Case 3: A college student in Henan borrowed millions of dollars in the name of his classmates and finally redeemed them with his life.

Recently, Xiao Zheng, a sophomore in Henan College of Animal Husbandry and Economics, was the monitor of his class, and nearly 3 classmates helped him "swipe the bill online". He borrowed loans from various online lending platforms in the name of his classmates, with a total amount exceeding 58, yuan. Contact with online gambling, and finally Xiao Zheng died in Qingdao.

Case 2 of College Students' Campus Loan

a used to be a college salesman on the loan platform. In the course of their business, they came into contact with some college students who needed to borrow money. By reviewing their personal data and family information, they mastered a number of college students' resources characterized by superior household registration, advanced consumption habits and poor self-control ability in Shenzhen.

a's loan mode

The loan cycle is 1 week or 2 weeks, with interest ranging from 15% to 25%, and the daily overdue fee ranging from 5% to 1% of the loan amount. The interest is included in the principal and deducted in advance, or returned immediately after the transfer, and an inflated loan contract is signed or multiple loan contracts are signed for the same loan;

if the borrower fails to repay the loan at the due date, it will be charged a high overdue fee, which can be renewed once after paying the handling fee;

if the borrower still fails to repay, a and others will introduce or ask the borrower to borrow another sum of money to repay the previous arrears, and so on, artificially raising the borrower's debt by borrowing new money to repay the old and transferring money.

Because borrowers are generally college students and have no financial resources, when borrowers fail to repay their loans within the time limit, A and others frequently threaten to repay the loans by calling or sending messages, taking advantage of the borrower's fear that their parents will know about their external liabilities, and take the opportunity to ask the borrowers to borrow new loans or transfer money, so the borrowers are forced to only agree. When the debt is too high for the borrower to repay, A and others will come to the door to recover from the borrower's parents, and finally achieve the goal of defrauding property.

in the end, A was sentenced on suspicion.

The following points are summarized: 1. Contemporary consumption should be rational, and over-consumption should be eliminated; 2. Schools and parents should educate college students and establish good consumption values; 3. Don't make joint lending with others in pursuit of high profits.

Case 3 of College Students' Campus Loan

Because of borrowing 4, yuan, they ended up with debts exceeding 1 million yuan. "I wouldn't believe it if it hadn't happened to my son." Recently, Mr. Hou of Shanghai reported to the Southern Reporter that his son Hou Yaozong suffered, and under the routine of private financial people, he kept robbing Peter to pay Paul, and he owed more than 1 million yuan in debt in half a year.

Mr. Hou told Southern Reporter that it happened in June last year. Hou Yaozong, a sophomore in Shanghai, received a short message of "campus loan", saying that he could provide installment loans for students. As money was tight, Hou Yaozong was tempted to borrow money. "When I was at school, I thought about borrowing it first and then returning it slowly." Hou Yaozong told Southern Reporter that what he didn't expect was that it was this short message that led him to a point of no return.

Hou Yaozong said that he contacted the borrowers Li, Feng, Ouyang and others, and the first loan was taken to a hotel in Shanghai, where he borrowed 5, yuan from the hotel owner. "But I actually got only 4, yuan, but I borrowed 9, yuan." Hou Yaozong said that for the loan of 5, yuan, the other party requested to deduct 2, yuan of door-to-door fees and 8, yuan of agency fees. As for the loan of 9, yuan, the other party told me that if the loan is repaid on time, it is not necessary to repay it according to the loan.

according to the agreement, Hou Yaozong repays more than 2, yuan every half month, and pays off three installments in one installment. However, in the fourth phase, the hotel owner who borrowed money suddenly proposed to pay off all the loans immediately. "How can you afford to make money?" Just when Hou Yaozong didn't know what to do, Ouyang appeared again, saying that he could help Hou Yaozong "settle accounts".

Hou Yaozong said that he was taken to Shanghai Yuanda Building and borrowed 1, yuan from one of the companies. This time, I was asked to repay 13, yuan after one month, but I needed to make a loan of 6, yuan. Among the 1, yuan loan, the middleman Ouyang and the borrowing company respectively extracted 1,5 yuan for handling fees and 2, yuan for agency fees, while Hou Yaozong only got 6,5 yuan.

Second, students, be alert to the dangers of "campus loan"

The case of CCTV News Exposing Campus Loan Forcing Debt

comes from the case of "campus loan" just detected by Shenzhen police recently. According to statistics, there are as many as 3 students involved, and the amount involved even exceeds 1 million yuan.

Many students borrowed only 6, yuan at first, and in the end, they owed more than one million yuan in interest!

When I saw this news, I remembered a book I was reading recently. The book "Crime Investigation Team 1" tells a series of stories that happened after Lu Jin Woo, who just graduated from college, worked as an intern in Yuen Long advertising company and was dismissed because of the calculation of his boss. He saved the beautiful boss as a driver.

1. Lu Zhenyu was calculated by his boss Chen Zhirui, and Lu Zhenyu was fired by Vivian, the beauty boss of the company. After being expelled, Lu Jin Woo was working as a driver in a street of yanjiang road Bar, and happened to meet Vivian who was drunk by others, and the person who drunk Vivian was a "schoolyard bullies". Lu Zhenyu also forgot the resentment of being expelled, saved Vivian and offended the "schoolyard bullies". Of course, the schoolyard bullies wouldn't rest here, so they went to Vivian again, and Lu Zhenyu helped again. But this time, Lu Zhenyu was not so lucky, and was beaten black and blue by the schoolyard bullies. The schoolyard bullies thought that Lu Zhenyu had been beaten by si, so they abandoned him in the river. The schoolyard bullies thought it was perfect. I didn't expect that Lu Zhenyu didn't have si, and the schoolyard bullies were caught by the police. It didn't end there?

2. After an escape in the si, Lu Zhenyu's parents insisted on having their son around, so Lu's father let Lu Zhenyu work in the newspaper through his relationship, and he also mistakenly hit Zhang Hongxiang, a famous reporter in the newspaper, as an apprentice. I thought that I could live a stable life, but it backfired. Lu Zhenyu was injured again in a food taken late at night, and was rescued by a beautiful woman, Wen Ne. As a token of gratitude, Lu Zhenyu invited Wen Ne to eat, and Wen Ne brought a girl named Qin Qin, who had just escaped from the devil. By coincidence, Lu Zhenyu, Wen Ne and Zhang Hongxiang formed the initial investigation team, which involved many people and many unknown secrets, and found out the reasons for the "campus loan" and the disappearance of female students in the Conservatory of Music. How many people are involved in the case? Who is the mastermind of this series of cases? Lu Zhenyu and his party are neither policemen nor detectives. Can they find the mastermind smoothly?

Lu Jin Woo described by the author is a person with "special functions", like Xiaoqiang who can't beat si, and his wound healing ability is very strong. From a novel perspective, the author wrote a story "Campus Loan" that many parents of college students hate.

I wonder what made "campus loan" popular. News of students and their parents suffering from "campus loan" keeps appearing.

For example, in April 217, a sophomore girl from Xiamen Huaxia College owed more than 57, yuan for campus loans, with a total of 257 transactions in a hotel in Quanzhou;

In August, 217, a junior in Wuhan owed a "campus loan" of 4, yuan, which rolled to more than 5, yuan in one year.

In the book "Crime Investigation Team 1", all the students who borrowed "campus loans" were female students. After borrowing, they had no money and finally paid interest, but they were afraid to tell their parents. Only those who were loaned tricked into taking unsightly photos were forced to zisha.

I hope that students who read this book will let more students know about the dangers of "campus loan". If they really encounter it, they should tell the teacher, tell their parents, and don't try to solve it by themselves, which will crush an energetic young man.

third, what is the trap of bad campus loans?

this guide, who sneaked into the QQ group of bad campus loans anonymously for a year, exposed the routines and shady scenes of bad campus loan traps, once became popular on the Internet and was known as the "beauty undercover counselor".

"The degree of opt-in has been threatened by group searches and words, but in fact, the idea is very simple, that is, to explain the harm of bad loans so that students can know the routines and live a safe and healthy university life." Mao Jing said.

Last November, a sophomore boy in Mao Jing's class was absent for a long time, which caught her attention. "In order to buy a mobile phone, he borrowed 2 yuan from a campus loan platform for 13 yuan. However, according to the interest rate required for repayment, 3, yuan will be repaid after 3 months. "

In order to urge students to repay in time, this campus loan platform bombarded the boy's classmates, as well as teachers and family members including Mao Jing, and even threatened to send flowers, and stopped. "

Mao Jing contacted the parents of the students and finally paid back more than 2, yuan.

before, Mao Jing also paid attention to campus loans, but he didn't know much. The question of the heart. "In fact, I only got a loan of 1,3 yuan. In just three months, how did the interest rate turn to 3, yuan?"

In addition, these dunning calls from the lake also aroused Mao Jing's vigilance. "Why are you still so emboldened to sell citizens?"

since the end of last year, Mao Jing has anonymously joined several QQ collection groups, loan groups and anti-collection QQ groups through Weibo, Post Bar and loan information.

in each group, Mao Jing observed silently for half a year. As long as she had the latest information, she recorded it and sorted out the forms of bad campus loans, the requirements for borrowing, and the traps behind it.

Mao Jing introduced that although the state issued a document explicitly prohibiting the provision of online loans to college students, many bad campus loan platforms would implement disguised loans in a different way.

through investigation, she found that there are a lot of non-performing online loans in the current online loan market, and the proportion of non-performing online loans for college students is higher.

Mao Jing, for example, used the gimmick of a loan with a monthly interest rate of .99%, which caused the illusion that the interest rate was not high, but the calculated interest rate reached 21.25%, and with various fees and agency fees, the interest rate could reach 5% or even 2%.

What is worrying is that there is almost no threshold for handling bad campus loans. Often, the borrower only needs to provide ID cards, student ID cards and bank cards, as well as the telephone numbers of parents and teachers, and there is no need to provide proof of income at all.

"Don't lenders worry that students who have no income can't repay their loans?" Mao Jing found that the psychology of letting things go smoothly, fearing that non-performing loans would affect children's studies, would rather repay this interest.

Mao Jing said that there are also special skills to teach lenders to collect money on the Internet, and they also provide home collection in different places. "Most of the spam messages for dunning are unsightly, with more than 1 harassing messages a day, some of which will be sent to relatives, friends and teachers for threats and harassment."

with these materials, Mao Jing compiled and made a PPT, and recorded the open class video "Today, it's time to expose the routine of bad online loans", which was launched on the day of "Double Eleven".

Since then, she has jointly produced and released an animated video of "5 Minutes Interpretation of Bad Loan Routine" with the teachers of the School's Academic Affairs Office to further expose the harm of bad campus loans. On the day of the launch of "Double Twelve", it got 16, hits.

"Fortunately, I listened to Teacher Mao's class." After the school organized the video, Xu Fangtian, a sophomore in the Department of Tourism and Management, was a little scared. He didn't know much about campus loans before, and some students still thought it was fashionable. "Now I find the trap is around."

it's not just the students in this school who benefit. This video, which exposed the traps and routines behind bad campus loans, was widely forwarded once it was launched on the Internet, which attracted the praise and attention of colleagues in colleges and universities all over the country. In the QQ group of national college counselors, nearly 6 counselors from different universities downloaded this courseware.

Mao Jing revealed that with the support of the school, she and some school counselors are setting up a "We Know We Do" studio to collect cases of bad campus loans from universities all over the country. So far, eight typical cases have been collected, and it is planned to launch a collection of cases of bad campus loans before March next year, "to analyze how to avoid falling into bad campus loans, strengthen students' financial management and legal education, and let them learn to use legal means to protect themselves."

With the popularity on the Internet, Mao Jing's personal privacy is also exposed on the Internet. In her latent bad campus loan group, even her information and photos appeared, and threats and abuse were revealed in her words.

This female teacher, who has worked for four years and won the honors of "Shiyan Good Netizen" and "Shiyan Civilized Citizen" in the first Shiyan City, confessed her mind in her personal WeChat WeChat official account. "Starting from the university's choice of normal majors, helping students realize their dreams, using one cloud to push another cloud, and one tree shaking another, that is my initial dream. At the beginning, even if you waded through the mountains, you can see Qian Shan Wanshui. "

Fourth, how many criminal suspects were arrested in Shenyang in solving the campus loan case

28 people.

The following is the original news of the incident for your reference.

On August 21st, Shenyang Public Security Bureau held a news briefing to announce the successful detection of "5.8", "Campus Loan" and "Routine Loan" criminal cases. Four evil criminal gangs headed by criminal suspects Tao Mou, Wei Mou, Zheng Mou and Zou Mou were destroyed, and 28 gang members were arrested. The amount involved was as high as 1 million yuan.