How do you view campus loans today?

The cause of the campus loan incident was that a college student from a certain university in Henan used his own identity and the identity of his classmates to obtain unsecured credit loans of hundreds of thousands of yuan from different campus financial platforms. , and when he was unable to repay, he chose to commit suicide by jumping off a building.

Nowadays, borrowing problems caused by campus loans have become commonplace. So what is the root cause that makes today's college students frequently use this method to borrow money? Today, as a junior at school, I would like to share my thoughts on this type of thing.

As can be seen from the picture above, nearly 80% of college students’ living expenses are directly related to their parents, and only nearly 20% of college students rely on part-time jobs inside and outside campus to obtain living expenses. It is not difficult to see that although college students have The closed environment of high school has entered the society of college, but most of them are still inseparable from their parents' financial resources. Because of this, most college students now lack independence and are still more dependent on their parents. In this case , I think this may be the root cause of the rise of lending.

The distribution ratio of living expenses for most college students is roughly as shown in the figure above. The funds spent on study only account for about 5.7% of their total expenses. Most of them are spent on daily meals, shopping, entertainment, etc. Online shopping is favored by many college students.

Like my school, there are various express delivery points at the school gate every day, with at least thousands of express delivery items a day and even over 10,000 items on holidays. Online shopping has become another way for college students to spend money. In this case, few college students can make reasonable plans for their living expenses. Instead, if they think this thing is good today, they will buy it. When the money is not enough in the middle or the end of the month, they will buy it from the dormitory or other platforms. Take out a loan to offset previous expenses.

As far as I know, if there are 70 students in a class, the living expenses of about 40% of the students are between 1,000-1,500 yuan per month, and the living expenses of about 30% of the students are less than 1,200 yuan per month. The living expenses of the remaining 20-30% of the students are more than 1,500 yuan. In fact, the gap in the family economic status of each university student is sometimes very obvious.

I asked the students I know if they have the habit of keeping accounts of their expenses every month. About 80% of the students answered no and felt it was not necessary. Once the money is spent, it's gone. Only about 20% of students will write down the whereabouts of their living expenses and plan their living expenses at the beginning of next month.

College is about innocence, youth, and individuality. I hope that as college students, we can use our wisdom to paint a colorful picture in the four years of college. You can gain more knowledge and happiness!