The routine and harm of campus loan?

First, the routine and harm of campus loans?

The Harm of Campus Loan

1. Heavy repayment burden

Judging from past cases, students who have taken out campus loans often bear a heavy repayment burden, and the loan interest is often much higher than the loan principal. In Wuhan, a classmate borrowed 8000 yuan and actually got 2000 yuan. When it was paid off after more than two months, the actual repayment was 9,900 yuan, and it still owed more than 50,000 yuan to other platforms. The high interest rate of campus loans has put students with almost no daily income in trouble.

2 Personal safety is impaired

Nowadays, many platforms that induce students to apply for campus loans are institutions in black areas. If the loan students fail to repay the loan principal, loan interest, handling fees, overdue fees, evaluation fees, agency fees and other arrears as required, then these campus loan platforms will arrange some personnel to carry out violent collection.

The heavy psychological burden such as interest expenses not only affects students' normal life and study, but even leads to running away from home or committing suicide. Campus loans are basically guaranteed by parents, and most parents choose to repay, which is undoubtedly worse for families in need.

Second, why do you say that the post-90s generation may be the worst generation in the next 20 years?

The post-90s generation is often called "the generation that experienced SARS and devastating earthquake, and now it is suffering from a serious epidemic".

Now many post-90s are still between 20 and 30 years old. Many people are studying on campus and want to upgrade their ability to a higher level after the postgraduate entrance examination. Others have already worked and accumulated some experience in society.

Parents of post-60s and post-70s think that post-90s are lucky. Compared with them, first of all, the post-90 s children don't have to worry about food and clothing anymore, and the problem of food and clothing has been solved.

And because of the family planning policy in the 1970s, many post-90s children are only children, and the whole family has devoted all their love to one person. Parents think that children born after 90 are also happier.

Most post-90s parents account for buying houses and cars for them. If something goes wrong, they can ask their parents for help at the first time.

With the economic development after the reform and opening up, the post-90s generation received a good education, almost everyone has the right to go to school, and with the expansion of university enrollment, the post-90s generation has more opportunities to step into university campuses.

After all, in their parents' generation, only a few people can go to college, which undoubtedly fulfilled their parents' dream of college.

However, the post-90s generation also has their own peer group troubles. It can be said that the post-90s generation should be the worst generation in the next 20 years.

Unhealthy consumption view

Since the reform and opening up, with the rapid development of China's economy and society and the continuous improvement of living standards, the degree of material and spiritual satisfaction of post-90 s college students is quite different from that of post-70 s and 80 s college students.

With the development of the Internet, online shopping and new consumption patterns in peer-to-peer lending have appeared in large numbers, which enables people born in the 1990s to shop at home and spend more time on the Internet.

The survey shows that the post-90s generation now pays attention to the consumption experience, and urban students prefer to spend more than rural students. With the development of mass media, some media carry out irresponsible propaganda, misleading college students' choice of consumption values, which has a negative impact on college students.

Some bad consumption values and consumption patterns in the west have attracted the attention of college students and even imitated them. In particular, some new consumer demands, attitudes and exotic customs are very attractive to college students.

Some media people unilaterally promote the unhealthy consumption values of western society, and the mass media presents a secular consumption world full of material desires, which has a considerable negative impact on post-90 s students.

First of all, the post-90s college students' consumption psychology is immature, they like conformity and are easily influenced by peer groups. If people around you are crazy about shopping, they will follow suit, so activities like "Double 1 1" and "6 18" mostly earn money from the post-90s generation.

Secondly, they like to spend money in advance, even if their financial ability is not enough, they will use loans such as spending money and borrowing money to satisfy their temporary vanity. What's more, I chose campus loans and online loans for brand-name mobile phones and bags, and finally owed a debt, but I waited for my parents to pay it back.

Moreover, it is almost impossible to buy a house and a car by yourself in the face of high mortgage after 90. Nowadays, it is more and more realistic to get married. Many girls have high requirements for bride price, car and house when they get married, which undoubtedly adds a lot of economic pressure to the post-90 s men.

Heavy pressure

Most of the post-90 s are only children. After they get married, they usually face the situation that two children support four old people, which is undoubtedly an economic burden for them.

In the 1970s and 1980s, most people had brothers and sisters. Even in the face of their parents' illness, they can take turns to take care of their parents and share the financial burden equally, but the post-90s generation can only bear it silently.

After 90, they enjoyed a series of reform achievements, such as material life, improvement of education level, update of science and technology, development of network information and so on. Therefore, the post-90s generation is called a lucky and happy generation, but there is pressure behind their happiness.

Although they enjoy the special treatment that previous generations of students did not have, with the construction and development of the country, the requirements of society, schools and families are constantly improving. They have cultivated various interests and improved their quality since kindergarten, and rarely experienced a truly happy childhood.

When I was in middle school, I was faced with thick textbooks and heavy schoolbags every day. It was extravagant to sleep for seven or eight hours a day. But in college, I lied in high school, cheated money, was lazy and lacked motivation to learn.

When it comes to employment, we find that the employment situation is grim now, and this year's epidemic has a great impact. Many companies closed down, and the post-90s generation, who had been on the right track, had to embark on the road of job hunting.

With the transformation of social economy, the society also has more requirements for talents, which has caused great trouble to the post-90 s.

Third, why do female college students become the main group of "campus loan" fraud? What is the reason behind this?

It may be that female college students are more pursuing material satisfaction and are willing to borrow online loans to meet their inner needs.

Fourth, why are the victims of non-performing online loans mostly college students?

"Zero down payment", "zero interest" and "3 minutes at the earliest"? The university campus is full of advertisements of various online lending platforms. Slogans with seductive words such as "unsecured, half-hour loan" and "monthly interest 1%" can be seen on both sides of school roads, canteens, bulletin boards and even toilets.

Students are easy to fall into the trap because of their lack of social experience and self-discipline ability. Some platforms ostensibly advertise no interest and low interest, but some service fees, management fees and transaction fees add up to more than interest.