Encourage college students to borrow money.

I'm still a senior, so let's talk about this problem from the student's point of view.

Under the general trend, it is because we have not received this kind of education. To put it simply, we know that loans are very dangerous, but we don't know how dangerous they are. Moreover, the education from childhood is to tell us not to touch them, and take some stupid examples, such as who borrowed how much money and how to give it. After listening to many stories, all I have left is an idea that I won't borrow so much money. It's gone.

No one systematically and seriously tells us the harm, just like the blank of sexual knowledge.

How do college students present their "advanced consumption"?

First, the biggest advantage of loans is that they are quick and convenient. Just give a few things and you'll get them in the next few minutes.

Second, their interest in publicity is very low, which is basically negligible. For those of us who are not deeply involved in the world, we simply don't consider the trap behind. When using money, we are easy to trust people and borrow money.

Third, the growing desire and the inequality of living expenses, compared with universities, most people may not have been out of their own towns some time ago. They run at home and school every day and have fun in only a few places. More times, they get tired, and it doesn't cost much at all. College is different. First, nobody cares about you. The place may be bigger, there are more people in contact, and the lifestyle is changing. It is normal to eat out for three days and go clubbing for six days. But the cost of living is only that much, which is not enough for consumption at all. Moreover, it is impossible for ordinary people to return to their original simple life after enjoying it, so no income has become a better means.

What is affecting their consumption concept?

First, the development of information and the propaganda concept of merchants. The development of information is easy to understand, because with a mobile phone, you can receive all kinds of news anytime and anywhere and know a lot of things. In order to catch consumers, merchants try their best to attract consumers, which is easy for college students who are not deeply involved in the world to be tempted.

Second, the change of life naturally brings more desires, such as the pursuit of beauty, such as deliberate integration into the environment, such as the yearning for a better life. As long as people have a strong desire for something, they will try their best to get it.

Third, because the interest rate is very low and the term is long, it seems that there is really not much money on average every day, which is scary, deceptive and easy to fall in.

Why do all kinds of "campus loans" become "campus public hazards"?

The original birth of the loan is to take the future money and make a breakthrough in your present life. For example, in ancient times, the loan was to buy more seeds for farming in the coming year or to open another restaurant.

From this, we can find that the money from the loan can be exchanged with great certainty in the future, because its use can be linked to the return on capital.

And college students' loans are very easy to make a living. The key is that college students basically have no repayment ability, so there are so many things.

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.

What are the hazards of college students' campus loans?

Campus loan is a kind of nature. Criminals aim at colleges and universities, taking advantage of the poor social cognitive ability and psychological fragility of college students. I sorted out the dangers of college students' campus loans, welcome to read!

The Harm of Campus Loan

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 the student loan is not repaid, the online lending platform will not recover the money through proper channels. Instead, they will use threats such as sending text messages to parents, relatives and teachers, posting posters on campus, and even arranging people to stop them, urging 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.

Harm of Bad Campus Online Loan Intermediary

"Campus online loan", a very active word in recent years, is often associated with negative events such as "jumping off a building" this year. In April this year, the Ministry of Education and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Risk Prevention and Education Guidance of Peer-to-Peer Lending in Bad Campus. The concept of "campus online loan" first appeared in official documents, but the word "bad" was added in the meantime. The photos of overdue repayment were exposed, and the arrears of 600,000 jumped off the building, and the loan was forced to be extended. In the recent vicious incidents of campus loan exposure, three key words are often inseparable: overdue, collection and penalty interest.

Chaos of campus online loan intermediary: robbing Peter to pay Paul

The annual interest rate of campus online loan platform is generally between 1 1%-20%. "At first, I felt that I would lose some interest, and I will be able to pay it back when I make money later." However, a "loan" begins, and then the "loan" is endless. After that, every month or so, we have to find a new platform to borrow money and rob Peter to pay Paul.

Search for "College Student Loan" on Sina Weibo, and you can get more than 1300 such accounts. Most of the blog posts are advertisements for campus loans. The advertisement is full of temptations: "Come to me if you want to help your girlfriend empty the shopping cart", "There are dozens of loan platforms, with a maximum of 50,000 undergraduates and 30,000 junior college students, and there is no charge for any payment"?

Without the consent of the students' parents, loans may not be issued to students.

As a special branch of college students' online loan platform, campus online loan often does not need mortgage. Borrowers can apply for loans as long as they provide college students' identity information and pass the personal data review.

On August 15, the Chongqing Municipal Education Commission released a message, and the Municipal Finance Office, the Municipal Education Commission and the Chongqing Banking Regulatory Bureau jointly issued a document, listing eight negative lists for financial institutions and universities, and standardizing peer-to-peer lending behavior on campus. It clearly requires that "without the written consent of parents, guardians and other secondary repayment sources, loans may not be issued to students."

Reasons for the emergence of campus loans

Enter the words "college student loan" on the Internet, "the fastest 3 minutes to review, the next day loan", "just provide the student ID card to handle" and many other attractive information come to you instantly. At present, P2P online lending platforms for online development of student loans can be divided into several categories according to the main product types, namely, student loan platforms, student entrepreneurship loan platforms and student consumption loan platforms.

In fact, the reason why the consumer loan market for college students is so hot is mainly because college students' credit cards in banks are broken and college students have strong consumer demand.

Since China Merchants Bank issued the first credit card for students in 2002, many banks have aimed at the campus in the "staking the land" of credit cards. While the number of college students holding cards is rising, the overdue repayment rate of college students' credit cards is also rising. Because college students have no fixed income and poor self-control, there have been many incidents of college students' credit card overdraft. In July 2009, China Banking Regulatory Commission required banks not to issue cards (except supplementary cards) to students under the age of 18.

The reason why people focus on the market of college students is because the purchasing power of college students is very strong and the source of funds does not match it. Simply put, they dare to spend but have no money to spend: their income mainly depends on their parents, but collective life makes them compare and imitate each other unnaturally. In fact, open the website of the campus staging platform, iPhone6S, Xbox, high-end bags, perfume? All kinds of luxury goods are pouring in, and these high-end goods tempt college students like Pandora's box.

Click on the next page and there are more questions about campus loans.

How do college students get loans?

College students can borrow money in the following ways:

1. Apply for loans from banks and other financial institutions according to law;

2. Submit materials to prove my loan purpose and repayment ability;

3. The lending institution will review it, and if it passes, you can apply for a loan.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Interest:

Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the legal fruit of principal.

Repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period;

(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.