What are the reasons for college students' loans?

Why do college students choose campus loans?

Driven by interests, a large number of private capitals compete to enter the campus loan industry, and advertisements are everywhere. From telephone poles to school toilets, to Internet means such as SMS, WeChat, QQ, etc., college students are not well prepared for the world and easily fall into the trap.

College students' incorrect view of money.

The comparison on campus is far more serious and direct than the comparison in life. Some college students who can't provide generous living expenses at home have a serious sense of inferiority. They hope to reject their self-esteem through different channels, and naturally hit it off after encountering online loans, but they don't understand their interest rates and are higher than their repayment ability, so they are easy to be blackmailed and many other problems.

Private capital is mercenary.

In order to get high returns, private capital is aimed at college students who are not deeply involved in the world. Through constant guidance, college students are caught in the whirlpool of loans, and those who cannot repay are coerced and lured, prompting college students to go to the point of no return.

Lack of family education

Parents don't correctly guide and educate their children about the use of money, so college students can't think independently in the face of colorful college life, and they can't resist the temptation of luxury, and their vanity is constantly expanding, which leads to college students obtaining money through illegal channels to make up for their own shortcomings.

Lack of education in schools

The school does not emphasize the simple outlook on life, keep up with the competition and follow the trend. It encourages college students to concentrate on their studies, make continuous progress, gain competitive advantages, and thus realize their personal values.

Insufficient control ability of campus loan separation

College students can use some false information to obtain loans, which blinds the credit review of the platform. College students try every time, and gradually the information begins to cover friends and relatives around you, which has brought serious negative effects to the students themselves.

The supervision of government financial institutions is not in place.

Campus loans generally have no formal business license, and government agencies can't supervise loans, which makes campus loans in a gray area of law, leading to college students' campus loan fraud.

Campus loan is one of the topics that sensationalized campus and public opinion on 20 16. The reason is that a college student in a university in Henan province used his identity as a classmate to obtain unsecured credit loans of up to several hundred thousand yuan from different campus financial platforms, and jumped off the building when he was unable to repay.

On April 20 16, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Prevention and Education Guidance of Peer-to-Peer Lending Risks in Bad Campus, explicitly requiring colleges and universities to establish a daily monitoring mechanism and a real-time early warning mechanism for Peer-to-Peer Lending in Bad Campus, and at the same time establish a disposal mechanism for Peer-to-Peer Lending in Bad Campus.

2065438+On August 24th, 2006, China Banking Regulatory Commission also explicitly put forward the five-word policy of "stop, move, rectify, teach and introduce" to rectify the problem of campus loans.

Campus loans are usually divided into three types:

1. Staging shopping platforms for college students, such as fun staging, about staging, etc., some also provide lower withdrawal quotas;

2.P2P loan platform for college students' education and entrepreneurship, such as investment loans and famous school loans;

Third, credit services provided by traditional e-commerce platforms such as Ali, JD.COM and Taobao.

The causes of campus loan

Question 1: What are the possible reasons why campus loans are sought after by college students? 1, the loan procedure is simple;

2. Quick loan;

3. "Not all my loans can pass, and the risk control of this platform is not strict. Some companies with poor technology and weak strength do not need video online signing and face recognition technology, which can easily lead to audit problems, and the identity information of customers is fraudulently used by others. "

Question 2: The background of campus loan. Students want to use their future money to satisfy their material desires.

Question 3: Explain the reasons for the coexistence of "campus loan", "growth" and "worry" by using the relevant knowledge of economic life. How to be a good college student?

First, bring harmonious interpersonal relationships with a peaceful mind.

University life is rich and colorful, and many people call it a small society. Since it is a small society, there will be all kinds of people and all kinds of interpersonal relationships. How to get along with classmates, roommates and teachers can help you grow up, and how to handle various relationships with ease? To this end, Zhongqing Online specially invited several senior college students such as Shen Yalin to communicate online on this topic. In the interview, these senior students, as experienced people, repeatedly stressed that students must have a peaceful mind.

Give up the opportunity to keep friendship in the face of competition.

In colleges and universities, college students have to face a lot of competition, such as evaluating three good, evaluating scholarships and striving for good internship units. How to face this kind of competition? Some senior students, such as Shen Yalin, say it's best to keep a peaceful mind. What you gain, you lose. The key is to look at your own mentality. Don't care too much about the result. First of all, think about whether you have worked hard at ordinary times. If the competitor is your best friend, giving up competition is a foolish but clever way, but gold will always shine and there are many opportunities in college. It is more meaningful to give up for your best friend and keep this true friendship.

Learn to put yourself in the other's shoes when facing differences.

University is a small society, and dormitory is an important window to reflect this small society. The students in the same dormitory come from all corners of the country, so it is not easy to achieve the great integration of east, west, north and south. In the same dormitory, it is inevitable to help each other in study and life, and everyone will find many advantages and disadvantages of each other in getting along. Learn to think from the standpoint of others, and look at some "unreasonable actions" of roommates with a positive attitude and humorous eyes. Be sincere to the people around you and try your best to help others when they are in trouble. Say hello to teachers and classmates and infect them with your smile. Soon, you will find that you have many friends. You should do what you can to be a follower. Students with poor family economic conditions don't have to worry about their roommates' neglect and follow suit. After all, with the deepening of understanding, roommates will understand you.

Respect the teacher's labor at the red light.

The relationship with teachers will directly affect the success or failure of studies. Worried that their courses will be "hung up", please teachers, teachers and classmates can only be disgusted. It is better to study in a down-to-earth way than to spend your mind on making friends with teachers. College students may wish to remember the following tips for getting along with teachers:

First of all, we should respect the achievements of teachers' labor. For example, turn off your mobile phone in class, don't eat snacks, finish your homework on time, and don't copy;

Second, we should take the initiative to communicate with teachers, who are knowledgeable and further digest courses in communication;

Third, respect the teacher from the heart, take the initiative to help the teacher clean the blackboard and clean the podium. Greeting the teacher with a smile is the most basic etiquette. If it is a teacher you admire, you might as well find a suitable opportunity to say to him face to face: "Teacher, your class is really good!" "

Second, strive to create an ideal space to relieve stress.

To relieve the pressure of college students, we should start from both subjective and objective aspects, and ignoring either aspect will not be effective in the end.

Strengthen the education of college students' outlook on life and values, and lay a good foundation for healthy growth. College students are at the beginning of wet experience in age, immature and plastic. From freshman enrollment to graduation assignment, there is not only a lot of work to be done, but also a thorough grasp of the correct outlook on life and values. For example, in order to guide students to set lofty goals in life and clarify their historical mission, it is necessary to hold a series of lectures on typical social figures and deeds frequently to enhance students' sense of social responsibility; In view of the hot and difficult issues that college students are generally concerned about, we should carry out ideal and belief education to stimulate students' learning motivation.

Provide a good environment and cultivate comprehensive quality. The construction of China in 2 1 century needs a large number of high-quality compound talents. In order to meet this demand, colleges and universities must completely change the traditional education model. That is to say, we must change the previous education mode of imparting knowledge and cultivating ability into an education that pays attention to the coordinated development of knowledge, ability and quality, that is, into a comprehensive quality education that pays equal attention to science education and humanistic quality education; Higher education must learn from each other's strong points in teaching, arouse students' enthusiasm and create an innovative educational environment. Let college students increase their knowledge, enhance their talents and develop their personality healthily through corresponding learning activities in a relatively relaxed cultural atmosphere.

Adjust the specialty setting in time and actively adapt to social needs. In recent years, advanced ......

Question 4: Please use psychological knowledge to analyze the causes of campus loans. What we should pay attention to is whether the campus loan in this case is legal, and if so, whether the impact on students is positive or negative, which needs our supervision department to consider.

Question 5: What are the hazards of campus loans? Recently, the Gulou police received an alarm about campus loans for help.

In the new semester, in the university campus, a large number of loan staging platforms of various sizes have flooded in, and campus loan accidents have also occurred frequently.

On March 10, a college student borrowed a campus loan from an online lending platform and failed to return it as scheduled, and was maliciously threatened by debt collectors.

"Someone sent me threatening text messages, saying that if I don't repay on time, I will tell my parents and the dean that someone will follow me. I have been desperately borrowing money, but the low interest rate mentioned at the beginning is not the case at all, saying that I don't have to bear the handling fee and late payment fee. I borrowed more than 1000 years ago, and I have to pay back more than 2,000 yuan in less than 2 months. I feel that I have fallen into a trap and I am getting deeper and deeper. " The unbearable Zhou had to call the police for help.

Gulou police said that the police will intervene, warn and stop illegal acts that may threaten Zhou's personal safety.

The police said that they disapproved of college students taking out loans in order to spend money or do business in advance. This kind of loan will increase their pressure, and college students should live within their means.

In fact, campus loans have many security risks for college students with low social prevention. Gulou police summed up the five hazards of campus loans:

1 "low interest" is not credible.

At present, the annualized loan interest rate of most products on the online lending platform is above 15%, so the so-called "low interest rate" is not credible. The monthly interest rate of 0.99% is a marketing trick, and students are easily cheated.

The more convenient it is, the easier it is to "grab"

Some loans are very convenient, just need an ID card, and some students use their ID cards to handle loans for others because of personnel relations and other reasons. This behavior is risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

3 Once overdue, the dunning is "all-round"

In some cases, once a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.

4 easy to breed lending habits

Some students love to keep up with the joneses and have bad habits, so the expenses provided by their parents can't meet their needs. These students may turn to the campus to get funds, and lead to gambling, alcoholism and other bad habits, and even skip classes and drop out of school because they are unable to repay.

5. It is easy to induce other crimes.

Lenders may use students' collateral and deposits on campus, or use students' information to make phone calls and defraud credit cards.

Question 6: From the perspective of supply, what is the reason for the rapid development of campus loans? Is there a word limit? If not, just say it briefly.

The massive issuance of money leads to excess social mobility, rising prices and inflation.

Low productivity and increased aggregate demand lead to rising prices and inflation.

Question 7: What are the reasons for online loans entering the campus? Why choose online loan for college students, also known as P2P online loan. P2P is the abbreviation of English peertopeer, which means person to person. Internet credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. Lenders of funds receive interest income and bear risks; The borrower repays the principal when it is due, and the online loan company charges the intermediary service fee.

The biggest advantage of P2P online lending is that borrowers who are difficult to be covered by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. The number of online lending platforms has increased rapidly in China in the past two years. At present, there are about 350 active platforms, and the total number has reached more than 1600 in August of 20 14.

Question 8: Why do college students choose to borrow money on campus? It may be because they don't understand. . . . .

Question 9: The harm of campus loan. Some bad platforms in peer-to-peer lending induce students to over-consume, and even fall into a trap. Therefore, it is necessary to strengthen the supervision and rectification of bad platforms in P2P lending. According to industry insiders, bad platforms will be gradually eliminated, and the development of the whole industry will be more standardized and professional in the future ~

Question 10: What are the countermeasures and suggestions for college students to borrow campus loans? Following Chongqing, Shenzhen Internet Finance Association issued the Notice on Regulating Peer-to-Peer Lending in Shenzhen Campus last night (hereinafter referred to as the Notice). This document is the first normative notice of the campus loan association in China, which puts forward nine provisions on campus loans, including auditing the use of loans. "Enterprises shall not provide loans for other purposes to borrowing students except for student loans, business start-up loans and other loan businesses." Students must obtain the consent of their parents or family members. Offline sales and campus agents are strictly prohibited, and illegal collection behaviors such as violent collection are strictly prohibited.

Song Fang, president of Guangzhou Internet Finance Association, believes that once the above provisions are put in place, campus loans will shrink on a large scale. However, there are also campus loan platforms that question the legitimacy and binding force of the regulations issued by the association. Ceng Guang, Secretary-General of Shenzhen Internet Finance Association, said in an interview with Southern Reporter that the notice was issued against the background of Internet financial risk investigation in Shenzhen and with the consent of relevant departments. Next, campus loans will be investigated and rectified.

Shenzhen Mutual Gold Association regulates campus loans.

Violent collection, nudity, Since the beginning of this year, campus loans with students as borrowers have been pushed to the forefront. After Chongqing Financial Office, Education Commission and other departments jointly issued a document to regulate campus online lending, Shenzhen Internet Finance Association issued the Notice on Regulating Peer-to-Peer Lending in Shenzhen Campus last night.

Shenzhen Internet Finance Association said that the document is the first normative notice of the association for campus loans in China. In recent years, some Internet finance companies, such as Shenzhen staging platform, P2P online lending platform and e-commerce platform, have vigorously developed campus peer-to-peer lending business for students. Due to the low entry threshold and relatively lagging supervision, there are illegal phenomena such as false propaganda, disguised distribution and violent collection in the industry, which seriously infringe on the legitimate rights and interests of students, interfere with the teaching order of schools and affect social harmony and stability.

It is reported that students who have no repayment source and are rejected by banks have become customers of various Internet platforms in the past two years. Over the past year, student loans have entered the campus, and various internet financial platforms have taken the campus as the battlefield to provide funds for students. However, behind the campus loan rampage, various problems caused by it also broke out in this year.

Financial analyst, the original intention of campus loan is to solve the shortage of funds faced by college students in the process of self-improvement and innovation and entrepreneurship through the reasonable flow of funds. However, due to various reasons, such as poor supervision, lack of rules and distorted consumption concept of college students, as one of the products of the P2P wild era, the chaotic campus loan has changed from supporting to squeezing college students.

Student loans are limited to study, entrepreneurship, etc.

In the chaos of campus loan, the threshold is low, providing students with loan funds beyond their affordability and encouraging students to over-consume; Excessive fees have caused a burden on students and caused various campus problems. This is the main reason why campus loans have been pushed to the forefront.

Previously, a field survey of campus loans in colleges and universities in Guangdong found that it was almost within reach for students to borrow money through various campus loan websites. Various campus loan advertisements enter the campus under the attractive guise of "zero down payment" and "interest-free". From the threshold, campus loans hardly set too high a threshold for students. In the campus loan report, among the 1 1 campus loan platforms surveyed, only the 1 project of 1 platform stipulates that the borrower must be a recent college graduate of 985, 21/kloc-0, and needs to get the offer from the unit, and the rest are/. "For most college students, this threshold is equivalent to no threshold." Analysts said. Judging from the loan conditions of students, 53% of college students choose campus loans because of shopping needs (buying cosmetics, clothes, electronic products, etc. ), and it is also common for students to borrow money from the new platform to pay off old debts.

In response to the above problems, the nine provisions put forward in the notice issued by Shenzhen Internet Finance Association last night proposed that the purpose of borrowing must be audited. In addition to student loans, entrepreneurial loans and other loan businesses that are conducive to study and work, enterprises may not provide loans for other purposes to borrowing students. Illegal propaganda is strictly prohibited, and enterprises are not allowed to carry out any form of marketing and publicity activities on campus. Do not use ambiguous language or other deceptive means for false and one-sided online and offline publicity. Offline sales and campus agents are strictly prohibited. An enterprise shall not publicize and promote financing projects in physical places other than the Internet or other electronic channels by itself or by entrusting or authorizing a third party. It is strictly forbidden to entrust students, campus staff or campus merchants. ......

What are the reasons for students to apply for loans?

When I was in college, many students wanted to apply for a loan, but I didn't know how to write the reason. Take a look at it specifically:

How to write the application form for student loan?

Universities have special student loans because the family can't afford the tuition.

1 name

2. Reasons for application

3. Application amount

4. Obligation to guarantee performance after borrowing

Step 5 sign

According to these conditions, the most important thing is to write the sixth point, write your own situation, and then issue a certificate.

Application conditions of national student loan

(1) Full-time undergraduates (including higher vocational students), postgraduates and students with second bachelor's degree from poor families;

(2) Having People's Republic of China (PRC) nationality and holding a People's Republic of China (PRC) identity card;

(3) Having full capacity for civil conduct (minors applying for national student loans must obtain the written consent of their legal guardians);

(4) Honest and trustworthy, law-abiding, no illegal behavior;

(5) study hard and be able to complete their studies normally;

(6) Due to the family's financial difficulties, the income earned during the school period is not enough to pay the basic expenses (including tuition, accommodation and basic living expenses) needed to complete their studies.