How to treat college students' campus loans?

First, how to treat college students' campus loans?

1, the harm of campus loans is actually very serious. At the university level, most people have not yet reached the stage of economic independence. If you spend too much on campus loans, you will definitely be unable to repay your debts.

College students should learn to do what they can according to their family situation, and don't consume anything beyond their ability. Without such an idea, it would be easier to borrow money on campus.

3. The university stage is still an important stage of learning. While paying attention to the improvement of material life, college students should pay more attention to the improvement of spiritual life. Don't blindly compare with your classmates and don't be vain.

4. College students should be deeply aware of the harm of campus loans and clearly know that they have no financial ability at present. Once they come into contact with campus loans, they are prone to over-consumption, and ultimately the responsibility for debt will still fall on their parents.

5. When you borrow a campus loan, you should be aware of paying it back, and at the same time pay attention to closing the campus loan in time. You can use your spare time to work, or you can borrow money from friends for emergencies.

6. If the consumption amount of campus loan is beyond your control, you must face it positively, confess with your parents and teachers, ask for help, and pay off the loan in time so as not to affect your studies!

Second, as a contemporary college student, how do you view campus loans?

Now many lending platforms are aimed at college students. Many campus loans provide loans to college students in various ways and channels, and some even violate the law. Many college students ruined their life and future because of campus loans. Because the way of borrowing is too easy and convenient, many college students can't help but be tempted to push themselves into the abyss. Campus loan is really a new way to destroy modern college students. In recent years, with the rapid development of P2P platform in the field of P2P lending, campus lending, as a new field, has flourished because of its huge market potential. The inducement of fraud and the extortion of debts by black gangs have become the main problems on campus at present, which has aroused great concern of the society for campus loans. Recently, the campus loan incident has continued to heat up and tragedies have been staged, which has brought extremely bad influence to families and society. In the face of a series of tragic events, should we reflect on ourselves while investigating the responsibility of campus loans? Contemporary college students live in a carefree environment, and their parents love them very much. They are not strong in distinguishing external things and lack corresponding preventive psychology in the face of external temptations. Most students who borrow loans from campus are not really in dire need of money, but for some unnecessary consumption activities. Some female college students take loans naked in order to buy famous brands and cosmetics, and the final result is often that they are too exposed to lead to repay the loans, which leads to more troubles. Some boys borrowed countless loans in order to reward the anchor, just because the entry threshold of the loan platform was too low to give them such an opportunity. For college students, campus loan is not a convenient thing at all, it is a "drug" to attract college students. Even if some college students borrow money not to alleviate any temptation, it is not a reasonable excuse. Now, in order to encourage college students to start businesses, the state and schools have a lot of policy support, and the business loan doesn't even have interest. The failure to apply must be due to personal reasons and the project itself. At this time, if you don't reflect on the problem, you will definitely not be able to repay the loan. Most college students are unable to repay these loans, so campus loans are not convenient for college students, and many speculators use this to deceive college students and obtain illegitimate interests. Now so many social news have also proved the harm of campus loans. Campus loans have not brought any help to college students, but have harmed many people. Legal basis: "Administrative Measures of the People's Bank of China for Student Loans" Article 4 Students in institutions of higher learning must meet the following basic conditions when applying for student loans: admission notice or student ID card and valid resident ID card; At the same time, two classmates or teachers should prove their identity. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (hereinafter referred to as China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Now many lending platforms are aimed at college students. Many campus loans provide loans to college students in various ways and channels, and some even violate the law. Many college students ruined their life and future because of campus loans. Because the way of borrowing is too easy and convenient, many college students can't help but be tempted to push themselves into the abyss. Campus loan is really a new way to destroy modern college students. In recent years, with the rapid development of P2P platform in the field of P2P lending, campus lending, as a new field, has flourished because of its huge market potential. The inducement of fraud and the extortion of debts by black gangs have become the main problems on campus at present, which has aroused great concern of the society for campus loans. Recently, the campus loan incident has continued to heat up and tragedies have been staged, which has brought extremely bad influence to families and society. In the face of a series of tragic events, should we reflect on ourselves while investigating the responsibility of campus loans? Contemporary college students live in a carefree environment, and their parents love them very much. They are not strong in distinguishing external things and lack corresponding preventive psychology in the face of external temptations. Most students who borrow loans from campus are not really in dire need of money, but for some unnecessary consumption activities. Some female college students take loans naked in order to buy famous brands and cosmetics, and the final result is often that they are too exposed to lead to repay the loans, which leads to more troubles. Some boys borrowed countless loans in order to reward the anchor, just because the entry threshold of the loan platform was too low to give them such an opportunity. For college students, campus loan is not a convenient thing at all, it is a "drug" to attract college students. Even if some college students borrow money not to alleviate any temptation, it is not a reasonable excuse. Now, in order to encourage college students to start businesses, the state and schools have a lot of policy support, and the business loan doesn't even have interest. The failure to apply must be due to personal reasons and the project itself. At this time, if you don't reflect on the problem, you will definitely not be able to repay the loan. Most college students are unable to repay these loans, so campus loans are not convenient for college students, and many speculators use this to deceive college students and obtain illegitimate interests. Now so many social news have also proved the harm of campus loans. Campus loans have not brought any help to college students, but have harmed many people. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a citizen of People's Republic of China (PRC) (hereinafter referred to as China) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Third, as a college student, how should we treat campus loans?

In recent years, with the rapid development of P2P peer-to-peer lending platform, campus loan, as a new field, has become the main problem of the current campus because of its huge market potential, especially the guidance and illegal debt-forcing, which has aroused great concern in society.

Recently, the continuous warming of campus loan events has brought a series of tragic events to families and society. Think about yourself. Contemporary college students live in a well-fed environment, and their parents love them dearly. They have no strong ability to distinguish external things and lack corresponding precautions in the face of external temptations.

Enhance their sense of independence. Bird is just a student, and society, school and family have not given him responsibility, but have provided him with a lot of protection. When an adult faces the society, all kinds of protection and preferential treatment disappear. At this time, personal self-confidence is not easy to establish and independence is tested. Although campus loans are also private loans, college students are not deeply involved in the world, which underestimates the possible consequences of loans. Therefore, we college students should strengthen their sense of independence in study and thought, and lay a prerequisite for stepping into society.

Strengthen your inner cultivation, unless there is peace, there is no way to achieve anything. Only by being indifferent to fame and fortune and keeping a calm heart can we realize our own value. Universities can broaden our horizons and enrich our spiritual world, which is also a springboard to realize our values. However, some college students deviate from the track, blindly worship and compare, and form an unhealthy consumption view, paying attention to improving comprehensive quality and ability. Only in this way can they face the temptation of the outside world.

Enhance your control ability. College students have not yet formed a stable source of income and a mature concept of consumption. Once they develop to an excessive consumption level and loan amount, they are likely to exceed their actual repayment ability and are more likely to induce risks. It is precisely by grasping the psychological characteristics of students that campus loans make and eventually lead to vicious incidents and family losses. He who has no long-term worries must have near worries. College students should strengthen control and have a sense of urgency in the face of comfortable and comfortable environment.

Warm water is not warm. With more sense of urgency, let's put more time and energy into improving our own quality and strive to be a "frog" jumping out of the wellhead.

Four, how to treat the problem of non-performing loans on campus network?

Although most campus online loans are credit loans, which have established a certain cooperative relationship with banks, and there are also restrictions on repayment methods and repayment dates in the contract, there is obviously a consumption trap in this form of loans, which cannot escape the question of inducing malicious consumption.

Campus online lending focuses on the strong purchasing power of college students, but ignores their limited sources of funds. There is a serious mismatch between purchasing power and sources of funds, which can easily lead to blind comparison and face consumption. In principle, campus online loans are only issued, but driven by unrestrained interests, online lending companies will release loans as soon as they have them. It makes you want to die. I'll give you a ride. Anyway, your parents will pay the bill in the end. What am I afraid of? Campus online loans induce students to consume maliciously, deliberately relax the loan conditions, and even borrow a student ID card to lend. Campus online loan management is almost out of control and disorderly.

Admittedly, campus online lending has brought convenience to temporary college students, but once the industry rules are broken, it is like bait and hook for college students, making them unable to make money. The pre-set trap of campus online lending can not only rely on college students' self-screening and prevention, nor can it only rely on the unilateral industry rules and a paper contract of online lending companies. Management must be standardized by legal means as soon as possible.