Joke Collection Website - Blessing messages - Study finance from whom: College students drowned in campus loans, beware of these 7 typical cases, please pass them on to those around you!
Study finance from whom: College students drowned in campus loans, beware of these 7 typical cases, please pass them on to those around you!
Introduction:
A junior student from a well-known foreign language university in Beijing returned to his home in Jilin during the summer vacation. He left a suicide note for his family and disappeared. Subsequently, his family was constantly receiving text messages and messages from debt collectors. Telephone. On August 16, the missing college student was confirmed dead. His family discovered that he had taken loans from multiple online lending platforms, and also had multiple messages and videos threatening debt collection. The police have launched an investigation.
The family of a student who drowned has been receiving debt collection messages
Starting from August 16, colleges and universities in Beijing have begun to welcome students back to school, but those who live in Jiaohe, Jilin Province Fan Zeyi from the city can never go back to school. Fan Zeyi was born in 1997 and is a junior student. On August 3, 2017, Fan Ze, who was on summer vacation at home, told his family that he would return to school in Beijing and immediately left home. Fan Zeyi's family told reporters that on the afternoon when Fan Zeyi left home, his family found a suicide note in his bedroom, saying that he had made "one wrong step, one wrong step" and "my heart can no longer bear it." live".
After discovering the suicide note, the family immediately called Fan Zeyi’s mobile phone, but the phone could no longer be connected. Subsequently, the family immediately called the police, and the police immediately opened a "missing persons" case and launched an investigation.
Fan Zeyi’s family told reporters that on the day after Fan Zeyi disappeared, that is, starting from August 4, 2017, Fan Zeyi’s father’s mobile phone began to receive dozens of messages. The content of the information is debt recovery.
Debt collection text messages received by Fan Zeyi’s mobile phone
At the same time, Fan Zeyi’s father also received multiple debt collection calls. The people on the phone became abusive after It is claimed that Fan Zeyi borrowed a loan shark and now cannot contact Fan Zeyi, so he is pursuing debt collection from his family.
On August 5, a floating body in the water was discovered. DNA comparison results showed that the drowned corpse was Fan Zeyi himself.
In the recovered mobile phone of Fan Zeyi, it was found that Fan Zeyi borrowed the first 1,500 yuan from an online loan platform called "Su X Borrow" in July 2016. I borrowed 3,000 yuan from another online lending platform to repay the "Su X Borrow" money, and then borrowed more money from another online lending platform to repay the previous debt. In addition to "Su X Borrow", he also borrowed money on online loan platforms such as "Jin X Ke" and "Ha X Mi".
How did campus loans rise so quickly?
In 2014, "campus installment" appeared. They started with iPhones and other products that college students loved but were somewhat "unaffordable", and combined the advantages of e-commerce, local promotion and installment payments to quickly and quickly expand the market. Spread across universities across the country.
Statistics show that the scale of Internet consumer credit for college students exceeded 80 billion yuan in 2016. This scale was only 26 billion yuan in 2015. College students have low incomes, but have a large demand for digital products, travel, and entertainment, and are more likely to accept credit consumption and installment payments.
The "campus loan" platform has grasped these needs of college students and vigorously promoted it on campus. In the past year or so, "campus loan" traps such as black agents and naked loans have appeared frequently, and some college students have become victims or criminals.
In 2016, a "naked strip" 8.75G compressed package from an online lending platform was circulated online, which contained nude photos and videos of 167 female college students, instantly bringing issues such as illegal "campus loans" to light. It was pushed to the forefront, and public opinion was in an uproar for a while.
At that time, public opinion generally believed that what contributed to the rampant illegal "campus loans" was the high consumption behavior of many college students due to their love of vanity and mutual comparison.
But this "hate iron but not steel" argument masks the "other side". Many campus loan traps are difficult to prevent. They capture the psychology of students and even start with their friends and relatives to induce people into traps, such as the following 7 types.
Seven typical cases of illegal campus loans
"Non-performing loans"
Mainly refers to those companies that use false propaganda, lower loan thresholds, conceal actual tariff standards, etc. Platforms that use regulatory means to induce excessive consumption by students or provide students with malicious loans.
Typical case: In November 2016, a sophomore student in Zhangzhou, Fujian Province ran away with a million-dollar debt due to participating in a bad campus online loan.
Case analysis: Non-performing campus loans often have unknown fee rates, low loan thresholds, lax review, uncivilized collection methods, difficult to control risks, easy transfer of risks to families, unqualified campus agents, etc. Risk issues should be identified.
"Usury"
According to the law, if the annual interest rate agreed by the borrower and the lender does not exceed 24, it should be supported; the interest rate agreed by the borrower and the lender is in the gray area of ??24-36. If the interest rate agreed between the borrower and the borrower exceeds 36, it will be considered usury and will not be supported.
Typical case: In March 2017, a college student in Fujian borrowed 800 yuan through a small advertisement for campus loans. Unexpectedly, the debt was nearly 200,000 yuan due to compound interest!
Case analysis: Campus loan installments with a monthly interest rate of "0.99" can easily 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 a late fee, it becomes illegal loan sharking if it exceeds 36.
"Multiple loans"
Mainly refers to the formation of a "loans to repay debts" type of multi-loans due to loans from multiple campus loan platforms.
Typical case: In March 2016, a college student in Henan Province jumped to his death due to excessive borrowing after borrowing nearly 600,000 yuan from more than 10 campus financial platforms.
Case analysis: The problem with "multiple loans" is not only whether the campus loan platform is formal, but also the huge repayment pressure that will directly result from borrowing from multiple campus loan platforms.
"MLM loans"
Mainly refers to criminals using campus loan platforms to recruit college students as campus agents and asking students to go offline to make money step by step.
Typical case: In February 2017, Jilin uncovered a pyramid scheme-type campus loan fraud case involving more than 150 college students. The protagonist, Xiao Zheng, developed as a part-time agent and received commissions step by step.
Case analysis: Three criteria for judging MLM: whether membership fees need to be paid; whether development is allowed to go offline; whether level-by-level commissions are carried out. In the case, the students involved were both victims and perpetrators. Most students were exploited by criminals without their knowledge and driven by interests.
“Fake loan”
Mainly refers to a new type of fraud in which criminals take advantage of college students’ job-hunting psychology and use loans to purchase fake loans to obtain commissions.
Typical case: In the first half of 2016, Chen, a student from Nanjing, was tempted to buy a mobile phone through "fake orders". Unexpectedly, after successfully purchasing the mobile phone in installments, the actual user refused to pay in installments and disappeared.
Case analysis: Be highly vigilant of the typical "loan shopping" fraud part-time job scam. When applying for a job, be sure to choose a formal and reputable unit, and beware of "well-intentioned people" taking the initiative to introduce work.
"Nude Tiao Loan"
Mainly refers to the behavior of unscrupulous creditors by coercing borrowers to use nude photos or indecent videos as evidence of loan collateral.
Typical case: On April 11, 2017, a sophomore student in Xiamen, Fujian Province, was involved in a "naked strip" campus loan. Unable to bear the pressure of repaying the debt and the harassment of debt collection, he chose to commit suicide by burning charcoal.
Case analysis: "Naked loan" often causes psychological pressure on borrowers, causing borrowers to take extreme measures because they are unbearable. Once you fall into the naked trap, you should proactively report your loan information and call the police in a timely manner.
"Training Loan"
"Training Loan" under the banner of financial innovation is actually a new variant of "campus loan", specifically designed to defraud college students who are not experienced in the world.
Typical case: In April 2017, an educational institution in Guangzhou used "training course fees" as an excuse to trick college students into taking out loans, resulting in 270 students being defrauded.
Case analysis: This type of campus loan fraud is actually fraudsters using false propaganda to trick students into participating in loan payments.
How to prevent "bad campus loans" after recognizing their true nature? Experts give suggestions that we should do the "three don'ts": don't get involved in "bad campus loans"; don't consume "irrationally"; and don't "adopt extreme solutions." Communicate with your parents promptly and call the police when your own safety is threatened.
I hope that more people will not fall into campus loans and will no longer be deceived.
What do you want to say about campus loans?
Let’s chat in the comments!
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