Joke Collection Website - Mood Talk - Where should campus loans go in the future?
Where should campus loans go in the future?
Campus loan has become one of the public opinion topics that sensationalized the campus and society this year. After a college student in a university in Henan province committed suicide by jumping off a building and "naked loan" broke out due to his inability to repay, campus loan was pushed to the forefront.
First, let's talk about how campus loans became popular. The goal of campus loan is college students, but there are nearly 4 million college students in China, and the concept of "ahead of consumption" is accepted by more and more young people, so there is a market for campus loan if there is no money to spend. The advantages of convenient application, simple procedures and rapid lending have also made campus loans develop rapidly.
Let's talk about how campus loans can cause these tragedies. Most college students have reached the age of 18 and have full capacity for civil conduct. They can completely distinguish right from wrong, but what I want to say is that people all have desires, especially in today's age of comparison. In the last university, computers and mobile phones became standard, and all they ate and used were brands. Many college students chose to spend in advance in order not to lose face in front of their classmates, but as they got used to it, they borrowed more and more, and the interest was not enough, so they could not repay it. Moreover, although college students are 18 years old, they have no social experience. They used to grow up under the protection of their parents, and of course they are more likely to get lost. That's why the tragedy happened.
finally, I think the future direction of campus loan. Many people think that campus loan is no different from evil, and it is necessary to expel it from a clean campus. But what I want to say is that it is too extreme to completely expel campus loans. The purpose of campus loans is to let college students who have no money spend in advance, and there is no original sin. Moreover, online flower buds are similar to campus loans, and it is impossible to kill them with a stick. Personal suggestions, norms and guidance are the most important. The first is to standardize the lending platform, review and register the lending platform, and limit the interest and advertisements of the lending platform. The interest should not be too high, and the advertisements should state the interests. Secondly, the public advertisements and the guidance of schools offer elective courses in school education, preach the values of correct consumption and view of society, and clarify the hidden dangers of early consumption advocated by platforms such as campus loans, so as to teach college students from the source.
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