Tragedy of college students' loan

How did the campus loan come into being?

With the continuous development of the financial market, more and more college students spend in advance through personal credit, which has spawned a fiery "campus loan" market. Judging from the recently exposed cases, some "campus loans" wandering in the gray area of supervision not only infringe on the rights and interests of lenders, but also disrupt the order of financial markets, which has aroused great concern in society. What are the reasons for the chaos of campus loans? Discuss it with the bee investment borrower.

What are the reasons for the chaos of campus loans?

First of all, from the perspective of college students.

1, people are stupid and easy to fool.

College students always don't calculate the interest seriously, thinking that the loan interest is not very high, and that they can pay back the living expenses. Do you call it stupid?

How capricious money is.

The money mentioned here does not refer to the monthly living expenses of college students, but refers to the dependence of college students: parents. Basically, the loan amount of college students is not high, and even if college students don't pay it back, their parents can afford it.

3. Poor self-control

Modern college students have a strong desire to buy. Before lending, I feel that I can restrain my expenses after lending, but I often can't restrain myself after lending, and the snowball is getting bigger and bigger.

4, whimsical

Modern universities have a lot of ideas, and always think that there is money everywhere in the market, and you can make money by doing something casually. Without the support of my family, I have to take out a loan. But in fact, most college students don't have the spirit of hard work and are still complaining. As soon as they get their living expenses, they have to rely on their families to pay them back. Bee investment borrowers think it is good to start a business, but they should consider the project and the actual situation.

5, easy to clean

Compared with people who step into society, college students are still much more tender, and their contacts are relatively simple and easy to clean up. If you don't pay back the money, call the school and home to let everyone know that you are not afraid of not paying back.

Second, from the perspective of the loan platform.

1, don't worry about users. The market for college students in China is so big that there are endless sources of users.

2. High yield

3. The risk is controllable

Third, from the social environment.

The development of college students' credit market has roughly experienced three stages: college students' credit cards, offline and online lending platforms. In 2009, the CBRC issued a notice prohibiting banks from issuing credit cards to students under the age of 18. The withdrawal of major banks has allowed Internet lending to enter without competition. Now campus loan has developed into a new "credit card". From 20 10 to 20 15, the loan platform increased from 0 to 896. Relying on the "network agent" model, "campus loan" has spread rapidly among students.

Editor's Note: The borrower of Bee Investment believes that campus loans will definitely step out of the barbaric growth of young people and eventually move towards standardization. In order to prevent the tragedy from happening again, college students should also establish a correct concept of consumption and borrow it from college dropouts. If you have financial difficulties, you should also inform your parents and seek help from a formal loan platform.

Who to study finance and economics with: College students drowned in campus loans. Be careful of these 7 typical cases, please pass them on to people around you!

Introduction:

A junior from a well-known foreign studies university in Beijing returned to his hometown in Jilin during the summer vacation, left a suicide note for his family and disappeared, and then his family continued to receive debt collection messages and phone calls. On August 16, the missing college students were confirmed dead, and their families found out that they borrowed from multiple platforms in peer-to-peer lending, and there were also many intimidation, threat information and debt collection videos. At present, the police have launched an investigation.

Family members of drowning students continue to receive debt collection information.

From August 16, universities in Beijing began to welcome students back to school, but Fan Zeyi, who lives in jiaohe city, Jilin Province, could never go back to school. Fan Zeyi was born in 1997, a junior. On August 3, 20 17, Fan Zeyi, who was spending his summer vacation at home, told his family that he would go back to Beijing to go to school and then left home. According to Fan Ze's family, when Fan Ze left home that afternoon, his family found a suicide note in his bedroom, calling himself "one step wrong, one step wrong" and "I can't bear it in my heart".

After discovering the suicide note, the family immediately called Fan Zeyi's mobile phone, but the mobile phone could not be connected. Subsequently, the family immediately called the police, and the police immediately filed an investigation on the "missing person".

Fan Ze's family told reporters that the day after Fan Ze's disappearance, that is, on August 4, 20 17, Fan Ze's father's mobile phone began to receive dozens of text messages, all about debt collection.

A debt collection message received by Fan Ze's mobile phone.

At the same time, Fan Zeyi's father also received several debt collection calls. After the abuse, everyone on the phone claimed that Fan Zeyi borrowed it, but now he can't contact Fan Zeyi, so he collects debts from home.

On August 5, a floating corpse was found in the water. The results of DNA comparison show that the drowning body is Fan Zeyi himself.

In the recovered mobile phone of Fan Zeyi, it was found that Fan Zeyi borrowed the first 1500 yuan from an online lending platform named "Su X Loan" on July 438+06, and then borrowed 3,000 yuan from another online lending platform to repay the money borrowed from Su X, and then borrowed more money from another lending platform to repay the last one. In addition to "Speed X Loan", he also borrowed money from online lending platforms such as "X Guest Today" and "Ha X Mi".

How does campus loan rise rapidly?

In 20 14, "campus staging" appeared. First, from the iPhone and other products that college students love to buy but can't afford, combined with the advantages of e-commerce, land promotion, installment payment and so on, it spread rapidly in colleges and universities across the country.

According to statistics, in 20 16, the scale of college students' internet consumption credit has exceeded 80 billion yuan. This scale is only 26 billion yuan in 20 15 years. College students have less income, but they have great demand for digital products, tourism and entertainment, so they are more likely to accept credit consumption and installment payment.

The "campus loan" platform has grasped these needs of college students and vigorously promoted them on campus. In the past year or so, "campus loan" traps such as black agency and naked loan have occurred frequently, and some college students have become victims or criminals.

In 20 16, an 8.75G compressed package of "nude photos" of a peer-to-peer lending platform was circulated on the Internet, including a video of 167 female college students, which instantly pushed illegal "campus loans" and other issues to the forefront, and public opinion was in an uproar.

At that time, public opinion generally believed that it was the high consumption behavior formed by many college students because of vanity and mutual comparison that helped illegal "campus loans" run rampant.

But this argument of "hating iron and not producing steel" masks the "other side". Many campuses are hard to guard against loans. They seize the students' psychology, and even attack their relatives and friends to lead people into traps, such as the following seven kinds.

Seven typical cases of illegal campus loans

"non-performing loans"

Mainly refers to those platforms that induce students to over-consume or bring malicious loans to students by means of false propaganda, lowering the loan threshold and concealing the actual tariff standards.

Typical case: 20 16, 1 1, a sophomore in Zhangzhou, Fujian, ran away with millions of debts because of participating in bad campus online loans.

Case study: Bad campus loans often have some risk problems, such as unknown rate, low loan threshold, lax review, uncivilized collection method, difficult risk control, easy transfer of risks to families, unqualified campus agents, etc., which should be identified.

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According to the law, the annual interest rate agreed by both lenders and borrowers should not exceed 24%, which should be supported; The agreed interest rate of 24%-36% between borrowers and lenders is a gray area. If the interest rate agreed by both borrowers and borrowers exceeds 36%, it will be regarded as "0" and will not be supported.

Typical case: from 2065438 to March 2007, a college student in Fujian borrowed money from 800 yuan through campus loan advertisements. Unexpectedly, in the case of rolling interest, he has a debt of nearly 200,000 yuan!

Case study: The campus loan with a monthly interest rate of "0.99%" is easy to create the illusion of "low interest", but with the platform service fee, it becomes an ultra-high interest rate exceeding the annual interest rate of 24%! If you pay late fees, more than 36% will become illegal.

"multi-head loan"

Mainly refers to a kind of "debt-to-debt" multi-head loan arising from multiple campus loan platforms.

Typical case: In March of 20 16, a college student in Henan borrowed nearly 600,000 yuan from several campus financial platforms in 10, and later jumped to his death because of excessive borrowing.

Case analysis: the problem of "multi-head loan" lies not only in whether the campus loan platform is formal, but also in the huge repayment pressure directly caused by the lending of multiple campus loan platforms.

"MLM loan"

It mainly means that criminals recruit college students as campus agents with the help of campus loan platform, and ask students to go offline and collect money step by step.

Typical case: In February, 20 17, Jilin cracked a campus loan case involving more than 50 college students. Zheng Xiao, the protagonist, went offline as an agent and got a commission step by step.

Case analysis: three criteria for judging pyramid schemes: whether it is necessary to pay membership fees; Whether to let the development go offline; Whether to implement progressive commission. The students involved in the case are both victims and perpetrators, and most of them are used by criminals without knowing and driven by interests.

"single loan"

It mainly refers to a new type in which criminals take advantage of college students' job hunting psychology to obtain commission in the name of loan shopping.

Typical case: In the first half of 20 16, Nanjing student Chen was tempted to buy a mobile phone by "swiping the bill". Unexpectedly, after the successful installment purchase of mobile phones, the actual users refused to pay by installment and disappeared.

Case study: We should be highly alert to the typical "loan shopping" scam. When applying for a job, you must choose a formal and reputable unit, and beware of "good people" taking the initiative to introduce their work behavior.

"naked loan"

Mainly refers to the behavior of illegal creditors by threatening borrowers to use or indecent videos as evidence of loan mortgage.

Typical case: April 1 1 day, 2065438, a sophomore in Xiamen, Fujian, was involved in a "naked loan" campus loan, unable to bear the pressure of debt repayment and the harassment of debt collection, and chose to burn charcoal.

Case analysis: "naked loan" often causes psychological pressure on borrowers, which makes them unbearable and takes extreme measures. Once caught in a naked trap, you should take the initiative to report your lending information and call the police in time.

"training loan"

The "training loan" under the banner of financial innovation is actually a new variant of "campus loan", which is specially used to cheat college students who are not deeply involved in the world.

Typical case: 2065438+April 2007, an educational institution in Guangzhou tricked college students into getting loans on the grounds of "training course fees", resulting in 270 students being cheated.

Case study: this kind of campus loan is actually an element to trick students into participating in loan repayment through false propaganda.

How to prevent the "bad campus loan" after recognizing its true face? Experts give advice to achieve "three don 'ts": don't get involved in "bad campus loans"; Don't "irrational" consumption; Don't "take extreme solutions". Communicate with parents in time and call the police when their own safety is threatened.

I hope that no one will fall into campus loans and be cheated again.

What do you want to say about campus loans?

Let's talk together in the message!

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The man used a loan of 6,000 yuan to intimidate female college students and carried out repeated violations. How is the follow-up progress of the case?

Li, a credit salesman of an investment consulting company in Zibo, Shandong Province, knowingly lent money to Bian, a female college student in a vocational college, in the form of "naked loan". Because Bian was unable to repay the loan, Li threatened to make public, forcing Bian to have sex with him many times in the hotel where he opened the room, and "compensated" the loan interest.

Li was sentenced to six years in prison after being prosecuted by the People's Procuratorate of Linzi District, Zibo City. On September 6th, the documents disclosed by China Judgment Document Network showed that Li, 198 1 was born in May, with a high school education. Before the incident, he worked as a credit salesman in an investment consulting company in Zibo, and his household registration was in Gangcheng District, Jinan City. On suspicion of committing a crime, Li was detained in June 20 19 and arrested in February of the same year. He is now being held in Linzi District Detention Center.

According to the first trial, on June 20 10, Li lent 6,000 yuan to a college student in Zibo campus of a vocational college in Shandong province by taking photos of the victim Bian. Due to Bian's inability to repay the loan, from October 20 1 165438 10 to October 20 18 10, Li threatened to have sex with Bian and asked him to "repay" the loan interest. Li used this as a means to force Bian to have sex with many hotels and restaurants in Zhangdian District and Linzi District.

The first trial held that

Defendant Li threatened to reveal the victim's privacy and forced the victim to have sex against his will, which constituted a crime. Accordingly, in accordance with the provisions of the first paragraph of Article 236 and Article 61 of the Criminal Law of People's Republic of China (PRC), the defendant Li was sentenced to six years' imprisonment. Li refused to accept the judgment of the first instance and appealed.

The second trial held that

Knowing that Bian did not meet the loan conditions, Li deliberately lent money to Bian, a college student, in the form of "naked loan". Bian has no repayment ability and cannot repay. With the threat of publicity, Li put pressure on Bian, repeatedly forced Bian to have sex with him in the hotel where he opened the room, and "compensated" the loan interest. His behavior goes against the will of women and conforms to the characteristics of crime. Li's appeal grounds and defense opinions are untenable.

"Li threatened to reveal a certain privacy and forced Bian to have sex with him. His behavior has constituted a crime. The original judgment found that the facts were clear, the evidence was indeed sufficient, and the sentence was appropriate. " According to this judgment, the second instance rejected Li's appeal and upheld the original judgment. This is the final verdict. The appellant Li only threatened the victim to repay the loan, and the victim voluntarily traded by having sex to offset the debt.

The telephone recording was recorded after the last sexual relationship between the two parties, and the appellant provided the victim with a mobile phone to facilitate the collection of money from the victim. Neither of them can conclude that the victim was coerced during sexual relations between the two parties.