Why do college students embark on the "thief boat" of peer-to-peer lending on campus?

First of all, let me introduce to you what is campus peer-to-peer lending:

First of all, what is campus loan?

Campus loans are usually divided into three types:

The first one is a staged shopping platform specifically for college students, such as fun staging and appointment staging. , some also offer a lower withdrawal amount;

The second is the P2P loan platform, which is used for college students' education and entrepreneurship, such as investment loans and famous school loans.

Third, the credit services provided by traditional e-commerce platforms such as Ali and JD.COM are widely used.

Campus loan is a loan platform for students to study and start their own businesses. However, in recent years, news that students are burdened with huge debts due to campus loans is frequently reported in newspapers. (For example, a female college student dropped out of school and jumped off a building because of a naked loan. This is a very serious problem, so I want to remind you that if you can do this kind of thing, you can also eat shit. )

At present, there is no lack of safety education to prevent telecom fraud and "campus online loan" on university campuses, but some students are still deceived. Why? The lack of financial and business education makes it difficult for some college students to resist the temptation and desire, and finally "get into a thief boat." Therefore, financial management, as a game between people and capital, is full of uncertainties and risks. College students' own human capital and social capital are relatively scarce, and they are in a weak position in the interest game pattern. Therefore, enriching college students' financial knowledge and improving their financial management ability will be the best way to solve the "campus online loan".

I have some suggestions on how to deal with this situation:

First, in family education, many families may think that what I said is wrong. They must be wondering how my children could do such a thing, so I don't have to teach them, but if it really happens to them one day, it's themselves who feel uncomfortable. Because at present, especially in rural families, their children's adaptability to society may not be all right, and they don't have much contact with things. When they learn more things, they may be tempted by these things, so that they will fall into it. Therefore, for peer-to-peer lending, family education is essential.

Second: In terms of school education, most schools will offer relevant courses, but sometimes it is really a temporary solution, so my suggestion is that schools should offer relevant financial public courses to benefit more students.

Third, students themselves should learn to protect themselves by law. Learn to be responsible for yourself and don't involve your parents.

If you really let yourself encounter this situation, welcome to pay attention to Kachinodo. Next, I will share with you the following situations that are protected by law without repayment.