Approved campus loans

Some students have just made up their minds to get rid of campus loans and prepare to settle accounts ashore. They didn't expect that they would miss the next trap.

Experts said that this kind of "landing service" is basically "supporting loans with loans" and is not reliable. Don't fall from one pit to another in order to repay the loan. Robbing Peter to pay Paul will never solve the problem.

On May 17, Shanghai Internet Finance Industry Association issued the Proposal on Compliance Management of Information Intermediaries in Peer-to-Peer Lending, demanding that "routine loans", "campus loans" and "cash loans" be put an end to, fees be collected reasonably and collection be standardized. On May 27th, Beijing Internet Finance Industry Association issued an announcement, adding complaint services such as "routine loan", "campus loan" and "usury" from now on.

Encountered "induced loan" on the road of "clearing accounts"

"Blame me me for being too greedy." Talking about the experience of online gambling, Yu Shuang began to blame himself. It's already 0 am at 65438+. At dawn, Yu Shuang will continue to raise funds to repay its debts.

He still remembers that he first came into contact with the consumption installment and credit loan of a payment platform when he was a freshman. At that time, he was still opening a Taobao shop, earning dozens of dollars every day.

Later, due to insufficient funds, he applied for the first online loan in Xiaomi Finance, and planned to pay it back slowly in stages. The turning point happened inadvertently, and he was exposed to online gambling. In my eyes, this is the beginning of a nightmare.

At first, Yu Shuang won a lot of money and paid back all the money, but later he gradually fell into a loss situation. Then, he met someone on the Internet and said that he could get a local loan.

Yu Shuang found himself completely trapped, and he was still a college student. "The debt is about 1.5 million, which the family can't afford. I am desperate. "

According to the statistics of Yu Shuang, there are still 8 platforms that have not repaid their loans and cannot apply for loans normally. The debt of 654.38+500,000 yuan seems to be a huge stone filling up the river in front of us, which makes Yu Shuang, who is sitting on the boat, tremble and want to settle accounts and "go ashore".

More than half a month ago, he contacted Liu Jie on social media, who claimed that he could provide landing service for student loans.

"Clearing accounts" and "going ashore" are high-frequency words in the communication of loan communities. Generally speaking, "student clearing account" means that students pay off their loans and stay away from them.

"You said you were going ashore, and I'm sure I'll be the first to settle accounts." Liu Jie teaches experience through social media. But Yu Shuang wants to know, how to calculate this account? Here in Liu Jie, he didn't find a satisfactory answer.

A graphic released by Liu Jie said, "If necessary, we can provide you with large installment payment, emergency IOUs, credit cards and various cash withdrawal services."

"Unreliable", Yu Shuang believes that Liu Jie's so-called landing can only be supported by loans.

Liu Jie was also discovered by Xu Jiawen, who worked online for a year during his college years.

Liu Jie has provided four landing modes for Xu Jiawen, the first two of which are directed at the whirlpool of "supporting loans with loans". 1. For large loans in Xu Jiawen, a service charge of 20% of the account (amount) will be charged; The second method is private borrowing, making IOUs, paying a small amount of interest every week for the first two times, followed by a large installment payment.

Trap: Cheating money, threats and nude photos.

In addition to the intermediary that induces loans, there are traps and scams waiting in different corners when student groups try to settle accounts.

Like Xu Jiawen, Cecilia Han, now a sophomore, is trying to find a reliable way to log on to the Internet. However, two experiences made her feel cheated.

"This is a private loan, which takes college students ashore, takes all your information away, and then tells you that you must have a deposit to repay. Then all kinds of flickers, if you don't give the deposit, they won't know where the nude photos come from, and they also put my ID card P on it, saying that if you don't give money, they will send it to people around me. "

Cecilia Han said that he transferred them to 400 yuan for the first time, but the other party kept threatening to call his family and school. The last straw, Cecilia Han had no choice but to chop and kill each other.

Cecilia Han also contacted another self-proclaimed college student, Wang Meng, to settle accounts.

"I don't care now, and I don't watch it." Cecilia Han some helpless.

Xu Jiawen also encountered some routines. "Someone knew that you needed money badly, so you gave him the information. There will be a routine later, which is to help you get it done this afternoon. There are several queues here. You can pay 200 yuan to jump the queue for you. After you pay the money, there will be other excuses to continue to routine you. " Xu Jiawen said that after paying the money once, he stopped playing with it, and then he didn't fall into the trap.

Cecilia Han summed up a little experience in distinguishing whether to cheat or not. "As long as the money (loan) doesn't reach you, everyone who asks you for money is a liar."

Yu Shuang believes that there is also a chain behind those who claim to provide student loan landing services. "They post information on the Internet, and then someone adds information. Simply ask about the situation, then push it to another person and then push it, and you really get in touch with the lender. Nothing reliable. "

As for the cost, Wei Wei said that the installation of one platform is 300 yuan, and the cost of installing four platforms is 65,438+0,000 yuan, which needs to be paid before operation.

"Nine times out of ten, paying the upfront fee is a liar. Online fraud should not happen to me. " Xu Jiawen couldn't judge whether the explosion-proof system was true or not, so he didn't take any action.

According to this document, operators have intelligent anti-harassment function. Generally, too many tag numbers will be recognized as high-risk calls by operators, and operators will automatically block these high-risk calls.

However, the document also points out that the explosion-proof effect cannot reach 100%, and leakage interception is also common. For example, the explosion-proof rate can reach 88%-90% one day before the repayment date and 78%-90% one day before the repayment date. Neither is recommended. However, after overdue protection, the explosion-proof rate can reach 70%-78%, and such overdue bills will not be operated. At the same time, emergency contacts, 106 SMS, SMS, 400 phone, 95 phone and SMS cannot be intercepted.

Xiaoxi's shiny software page displayed on the social platform shows that the information that needs to be input during protection operation includes name, ID number, mobile phone number, operator password, mobile phone IP, mobile phone serial number and protection platform name.

"I asked a friend of the operator and told him that there is no such background function. Unless the customer complains, the background will also check and prove it. " Zhang Shuai, who has been engaged in credit information service for a long time, believes that some of the above explosion-proof operations can collect information, and some are unlikely to be realized if the operator hides the rules.

A technician of a telecom operator said that this model is fraudulent, and its guessing principle is whether the call set is manually marked on a large scale or whether it depends on the operator. There is no technical content, but

At the same time, collect user information. "Why is the success rate different in different periods? A lot of tagging takes time, which is the same as tagging fraudulent calls. "

Zhang Shuai said that most Android phones on the market are equipped with phone number protection software provided by 360 and sogou. When a call comes in, some of them will be marked as promotion, fraud, etc. "For example, he found 300 people, and then reported the number to the 360 platform and sogou platform within two or three minutes, and marked it as a fraudulent phone call on many platforms. Then, whoever dials the number again may be marked as a fraudulent call and automatically intercepted. This is a possible way for me to guess. " He said: "These three elements and the operator password are used to obtain the user's call records. I can't imagine under what circumstances this thing will be needed. This money is a bit like collecting IQ tax. "

It is said that the agent pays the online loan and pays the "tuition fee" of 6980 yuan first.

The so-called apprentice is also called an agent by Cheng Xiang. First of all, he has to pay for learning "technology", and then he helps others to run loans and get paid. According to Cheng Xiang, the one-time fee for accepting apprentices is 6980 yuan, which will teach you how to communicate with customers and open loans (generally referring to the platform for issuing loans), and will be updated free of charge in the future. The money earned after graduation is your own.

When asked whether these opportunities include the network platform and the 7 14 anti-aircraft gun platform, Cheng Xiang said: "All opportunities are available. We give loans to others through internal channels, and the application rate is high. Agents who can lend money to others as teachers can choose to operate remotely online or offline, and generally can charge a 20% handling fee. For example, if there is a loan amount of 65,438+00,000 yuan, they can earn 2,000 yuan. "

"We charge half (cost) for making anti-aircraft guns, which means that helping customers make anti-aircraft guns is half a point, that is, 40 points." Cheng Xiang said that anti-aircraft guns cannot be returned and will not be credited in any case.

In order to prove his credibility, Cheng Xiang took out two screenshots of the conversation, which showed the conversation records of "credit manager" and "customer" and the "student exchange group" he tutored online. In addition to acting as an agent, Cheng Xiang also said that he would recruit loan intermediaries and franchisees. "Joining is to provide a venue. The cost of providing talents to the office is relatively high; The intermediary has no technology, there are ten orders a month, and only customers who have money and must succeed. " Cheng Xiang said that the intermediary has done enough work and can extract 2 points of commission from 10 orders, so it is better to do it yourself.

Cecilia Han came into contact with the so-called apprenticeship to make money. "He said to give it to him 1200, accept me as an apprentice, and then help me settle the account. I didn't believe it, so I didn't do it. It is an intermediary, asking you to find someone who needs a loan to give it to him. "

The final choice: confess, negotiate and make money by yourself.

The day after asking Liu Jie, Xu Jiawen confessed to his family.

Like Yu Shuang, she first came into contact with the consumption stage when she was a student. At the end of 20 17, Xu Jiawen, an off-campus intern, owed the first money for the staged music platform in order to buy a camera. "I have to say that the stage music is great. I was a student at that time, and I didn't have any money with me. It gave me a quota of 1.2 million. " However, Xu Jiawen believes that the relatively good thing about the installment music platform is that if the loan is repaid in advance, the interest will not be so high, and the short-term installment software with other loans of 3,000 yuan and 6,000 yuan will be a bit pitted.

Besides holding music parties, Xu Jiawen also borrowed money from six or seven platforms, such as you and me. According to her memory, there were two or three large platforms in the early stage and small platforms in the later stage, all for the purpose of "robbing Peter to pay Paul", and finally accumulated more than 30,000 arrears. I really died myself.

April 30th is a very tangled day for Xu Jiawen. On this day, she received a response from Liu Jie and made up her mind to confess. "Struggling all night", Xu Jiawen remembers that her mother was very excited when she told her family on May 1 that she was unable to repay her debts. "My dad said that I didn't understand it before, so don't touch this kind of loan again."

Xu Jiawen finally went ashore with the support of his parents. The family helped her pay off the loan in one lump sum, and Xu Jiawen planned to give her parents some money every month.

Confession to family is the final choice for Xu Jiawen to go ashore after trying.

Compared with Xu Jiawen, Yu Shuang's landing road is more difficult and complicated.

In February this year, Yu Shuang decided to go ashore and confess to his family. He got help from his family and repaid a loan of tens of thousands of dollars. "My family was very angry and said they would break up with me, but they helped me."

However, in the face of 10 million yuan in arrears and debt collection, Yu Shuang said, "The key is not to get up."

Cecilia Han doesn't intend to explain his current situation to his parents, but uses his living expenses and part-time job to make money to fill this loophole. "They are all normal online lending platforms, (owing) 1.8 million or so." In order to raise enough money to pay off her debts, she took a part-time job after class, earning 3,000 yuan a month and living expenses of 2,000 yuan.

Regarding the problem of students paying off campus loans, Cecilia Han thinks that he must stop borrowing, confess with his family, cancel his account and make money by himself.

(Note: The interviewees in this article are all pseudonyms. )

Expert: "Never fall from one pit to another in order to repay the loan in a hurry."

"The negative impact of campus loans on students is still vivid, from high debt and pain to personal safety being threatened or even losing their lives. If you owe money, you must pay it back. In order to pay back the money, the students are overwhelmed by the so-called' landing'. Therefore, this eagerness to' go ashore' has created some businesses that provide ashore services. It should be said that' there is business where there is a market'. " Xiaosa believes that as far as the information we have seen so far is concerned, the quality and credibility of the "landing service" are in doubt and the reliability cannot be guaranteed. "We must remind everyone not to fall from one pit to another in order to pay off the loan in a hurry, which will only harm ourselves in the end."

In Xiaosa's view, this kind of "landing service" is basically "supporting loans with loans", which is not reliable, or even just a cover for swindlers to cheat money. In the news related to "supporting loans with loans", some young people choose to borrow money on one platform and then use another platform to repay their loans in order to maintain a superficial daily life. Once one of the platforms is closed, it may fall into panic and embark on the road of no return; And if you borrow money from an informal platform, the loan will snowball, and eventually you will bear huge debts and cannot repay them alone. In addition, many people are afraid that their families will know at first, but they can't bear it. They will confess to their families until they can't persist or their families know, which may have caused a tragedy.

"Therefore, the market for' landing service' has arrived. But think about it, how can so many good people lend you money for no reason? Their purpose is to make money. If they are not careful, they may hit a wall. Robbing Peter to pay Paul will never solve the problem. If you can't repay the loan on the platform, the best way is to stop the loss in time, stop borrowing again, try to make money, and try to get credit first. Don't think about crooked ways to fill the hole. The greater the final compensation, the more losses. " Xiao Wei said.

She suggested that in order to avoid debt, students should establish a correct concept of consumption and spend according to their own economic ability. "In order to buy expensive cosmetics, bags, high-end electronic products or other things to satisfy my vanity, I finally buried myself in a big pit, and it was too late to regret it. If something similar happens, then we can only calmly deal with it and use legal weapons to protect ourselves. Loans with interest rates over 36% are not protected by law and need not be repaid. If you encounter violence, soft violence, etc. In the process of collection, you can choose to call the police. In short, advocate rational consumption, do what you can, and be wary of the' landing' trap. "

Related Q&A: How to prepay installment music? Users of installment music need to download the installment music app to repay in advance. After the installation, please enter your account and password to log in. Click "My" in the page to enter the personal account interface, and click "prepayment".

Interest calculation of prepayment: There are two main situations when users prepay. One is full repayment, and the other is partial repayment. If the first method is adopted, there will be no charge for the remaining principal except the current bill. In the case of partial repayment, the user needs to pay at least three bills, and in terms of fees, except the current fees, the remaining fees will be halved. I hope that users will pay attention to this in the process of repayment, so as not to have a certain impact on themselves.