Anti-fraud handwritten newspaper is concise and beautiful.

Anti-fraud handwritten newspaper is concise and beautiful.

The incidents of "online fraud" and "campus bad loans and online loans" frequently occur in university campuses, which have seriously harmed the personal and property safety of teachers and students. It is necessary to strengthen education and arouse the vigilance of teachers and students.

The typical model of online credit is: online credit companies provide a platform for lenders to obtain interest income; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee. Some peer-to-peer lending platforms continue to expand their business to colleges and universities, and induce students to spend too much by false propaganda means such as "zero down payment", "zero interest" and "no guarantee", and even fall into the trap of "high xx", lowering the loan threshold and concealing the actual tariff standard, which has brought great burden and pain to the majority of students and parents.

Peer-to-peer lending on bad campuses has many risks:

1, mostly illegal private lending organizations, with irregular and illegal lending procedures, short cycle, high interest and even rolling interest;

2. Threatening or even blackmailing students, their families and guarantors by illegal means when students cannot pay high interest;

3. Some staging platforms did not actively inform users of the consequences of overdue repayment when applying for staging, which led to the snowballing of student loans with delayed repayment;

4. There are many traps in the loan agreement: professional clauses and legal provisions are used to hide the overlord clauses such as high interest rates;

5. Some platforms require to pay the deposit before lending, but there is no following; Or charge a high "consulting fee" or handling fee;

6. Some students provide guarantees for third-party loans in their own names. When the third party fails to repay the loan on time, the loan company directly requires the students to bear the expenses.

How to prevent the risk of bad peer-to-peer lending on campus

1, establish a scientific consumption concept, do not blindly follow, do not compare, do not show off, and consume reasonably, moderately and rationally; Don't pursue material enjoyment beyond your own economic ability, and try not to borrow money for shopping on online lending platforms and installment shopping platforms;

2. Protect your personally identifiable information and never lend your personally identifiable information to others for loans or shopping;

3. Improve the awareness of self-protection. When there is danger or threatened by criminals, learn to protect yourself by proper means or legal weapons and ask parents and teachers for help in time. Don't make a big mistake for fear of being criticized;

4. When other students are found to have abnormal consumption behavior, remind them in time and report to the counselor or college security office when necessary;

5. Cultivate the spirit of thrift and self-improvement, create wealth through honest and legal labor, and don't participate in the publicity activities of the campus peer-to-peer lending platform in the name of "part-time".

Be wary of unknown calls, and it is important to ask repeatedly.

Severely crack down on crimes and ensure the safety of citizens' property.