What are the specific hazards of peer-to-peer lending on campus?

1. What are the specific hazards of peer-to-peer lending on campus?

Interest. Failure to repay on time will affect your future credit. This thing will be in the file

Second, campus cards always receive loan text messages.

The new campus card always receives text messages about loans, probably because the mobile phone number has been leaked. If you don't want to borrow money, you can pull it out, look for it on your mobile phone, or intercept it with your mobile phone housekeeper. Generally speaking, this kind of loan SMS is a means, so don't believe it easily.

1. What should I do if I receive a loan text message?

Mobile phones always receive garbage. It can be set in the page through the spam message interception function that comes with the mobile phone. If there is a mobile phone housekeeper in the mobile APP, you can also intercept it with a mobile phone housekeeper. The easiest way is to blacklist it, so that you won't receive messages and phone calls from the other side. Ok, choose manual customer service to complain to the operator. If you don't receive the intercepted SMS, don't leave contact information on the loan website. As long as you leave a website, you may be sold to other intermediaries. Don't leave contact information on some research websites or websites related to borrowing money. Don't answer phone calls or promotional calls from strangers, just be tagged and send text messages.

Second, the harm of peer-to-peer lending

If the online loan is repaid normally, there is no harm. However, if the user fails to repay on time or is harmful, first of all, the overdue repayment of online loans will be fined, and some peer-to-peer lending platforms will also charge liquidated damages. When the user repays, the platform will pay by SMS, the lending platform will be in the middle, the user's credit information will deteriorate, and the bank will refuse to buy it later. If the online loan is not returned, the platform will also carry out various collections, cancel the mobile phone number, and the platform will also call your family or friends, causing your relatives and friends not to make online loans. Be sure to repay in time, so as not to bring unnecessary trouble to yourself.

3. What are the hazards of campus loans?

Campus loan refers to the behavior of students borrowing from formal financial institutions or other lending platforms. 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+September 6, 2007, the Ministry of Education issued a clear statement that "campus loan business is prohibited, and no online lending institution is allowed to issue loans to college students."

But why do college students' safety incidents caused by "campus loan" still occur frequently? What is the harm of campus loan? Why is it repeatedly banned among college students?

First, the harm of campus loans

In fact, campus loans have many security risks for college students with low social prevention. Campus loans do great harm to college students, mainly in five aspects:

"Low interest rate" is not credible, but it is true. Online lending platforms often attract students with low installment interest rates, with monthly interest rates generally ranging from 0.99% to 2.38%, but the actual online lending is not the advertised "low interest". 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. On the website of Zhihu, a number of financial college students also revealed anonymously that the interest rate of the loan platform is fishy. The irr function in excel can be used to calculate the annual interest rate, reminding everyone not to forget that there is something fishy in the consulting fee.

Loans are easy, but there are many loopholes. In order to attract student loans, these platforms all use the slogan of "one minute to apply, one day to receive the account". 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. Random search of four campus loan information review procedures means that students only need to fill in the following information: ID card, school, grade, student number, and the names and contact information of both parents. In fact, this kind of behavior is very risky, because once the other party is unable to repay, the remaining debt will be borne by the "respondent" alone.

Once overdue, use various means to collect debts from students. 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. Once, a victim's mother cried and said, "They called home phones one by one, and finally they blew them up with the phone that called you to death.". We can't pay back the money either, so they take drastic measures, such as blocking the door lock with glue, painting and so on. And then threatened to chop the children to death and maim them. "

It is easy to breed bad habits such as skipping classes and dropping out of school. The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses and have bad habits at ordinary times, then the expenses provided by parents are definitely not enough to meet their needs. Therefore, these students may turn to the campus to obtain funds, which may lead to bad habits such as gambling and alcoholism, and may seriously skip classes and drop out of school because they are unable to repay. Therefore, college students should never make bad friends and fall into various traps, step by step, because campus online loans, especially "naked loans", have pushed themselves into an abyss and a tragic situation.

Criminals use ""to commit other crimes. Many online lending platforms only formally review students' information. As for repayment ability and credit rating, it is not considered. Grasping the psychological characteristics of college students as a consumer group is easier to lure college students to "take the bait". Criminal suspects require students to provide identification, bank cards, mobile phone cards and other materials, while college students are often weak in defense, which makes it possible for lenders to use students' collateral and deposits on campus, or use students' information to make phone calls to defraud credit cards.

Second, why is the phenomenon of campus loans repeatedly banned?

2065438+On June 28th, 2007, China Banking Regulatory Commission, Ministry of Education and Ministry of Human Resources and Social Security jointly issued a notice, demanding that all online lending institutions should be suspended from providing online lending services to college students at this stage, and the withdrawal schedule should be defined according to their own stock business. At the same time, banks and other qualified lenders should be encouraged to enter "campus loans" and it should be made clear that Internet platforms can provide services such as loan assistance. This is called the strictest campus loan supervision in history. Why are campus loans still banned?

The disguised routine of campus loans, which was issued by the Ministry of Education, did alleviate this phenomenon to some extent. Judging from the current management methods, most of them are relatively principled and general, failing to hit the "seven inches" of campus loans. But there are still people who make mistakes. For example, campus loans lack a clear management subject; For example, asking the lending platform to strengthen the qualification review of borrowers is basically a reminder, lacking institutional constraints and specific measures. Formal loan procedures are generally cumbersome, but this similar online loan procedure is quite simple. You only need some simple information such as ID card and mobile phone number to apply.

Students spend ahead of time and have poor self-control. The object of campus loans is mainly college students, whose characteristics are "spending money tomorrow and realizing their dreams today". Their curiosity about new products, their pursuit of fashion and their desire for consumption. However, in the face of high-priced products, college students without income sources are often cash-strapped. Once students come into contact with campus loans, they are easily tempted by this "temptation", which is a bottomless pit. If this loan is not repaid, it will be repaid. Finally, the money rolled, the interest rolled, and it rolled into a big snowball, which made people breathless. In this infinite cycle of "filling the pit", it will collapse to unbearable sooner or later.

There are limited channels for student loans, and little is known about the risks of campus loans. The national loan suspension institution and the bank took over, which undoubtedly added a layer of protection to the campus loan business. However, banks themselves may not be willing to make great efforts to do this. First, the campus loan business is low in cost performance. Second, students have the ability to pay back for free and cannot be included in the credit information system, so it is easy to borrow without paying back.

A survey by Tencent News shows that among 23,939 college students, do you know the financial and legal risks related to campus loans? Question: 37% of college students said they didn't know at all, 26% said they didn't know at all, 22% said they knew partially, and only 15% of the respondents said they knew very well.

Students, schools, online lending platforms and regulatory authorities are all responsible for the "disaster" caused by campus loans. The supervision department strictly controls and financial institutions actively intervene. The education department should strengthen the education of college students, so that they can develop good financial consumption habits, borrow reasonably, repay in time, and maintain a good personal credit record. If it is only prohibited, even if lending is stopped, it is difficult to guarantee that there will be no other problems.

4. What are the attributes of bad campus loans?

1. Campus loans are natural. Criminals aim at colleges and universities and take advantage of the poor social cognitive ability and psychological fragility of college students to carry out short-term and micro-loan activities. On the surface, this kind of loan is "small profits but quick turnover", but in fact, criminals get 20-30 times the bank's interest rate and make students' money at will.

2.

Campus loans will breed bad habits of borrowing students. The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses and have bad habits at ordinary times, then the expenses provided by parents are definitely not enough to meet their needs.

Beg. Therefore, these students may turn to the campus to obtain funds, which may lead to bad habits such as gambling and alcoholism, and may seriously skip classes and drop out of school because they are unable to repay.

3.

If the loan cannot be repaid in time, the lender will use various means to collect debts from the students. When making a loan, some lenders will ask for something of a certain value as collateral, and they will also receive students' student ID cards and copies of their ID cards.

Knowing students' personal information very well, once students fail to repay their loans on time, lenders may resort to intimidation, beating, threatening students and even their parents to collect debts violently, which will do harm to students' personal safety and university campus.

Order has caused great harm.

Some criminals use ""to commit other crimes. Lenders may use students' mortgages and deposits on campus, or use students' personal information to make phone calls to defraud credit cards.