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College student loan trap
Great, this is not only a personal injury, but also an injury to thousands of families in Qian Qian, so college students should never touch online loans.
In fact, college students are a particularly gullible group. At this time, they may have grown up legally, but they may still be children psychologically. They have never experienced many social evils. The society in their eyes may still be formed under the protection of their parents, so it is not easy for them to distinguish between good and bad. Moreover, in school, it is easy for roommates and classmates to compare with each other. Maybe a classmate bought a big-name lipstick today and will buy a good bag tomorrow, and compare them with each other.
Comparison psychology is actually very common on campus, but some people are not easy to fall into this trap because they have more important things to do than comparison. Students who have dreams and goals in their hearts are now struggling for their dreams and may not spend too much time comparing with their classmates. There are also some family conditions that are more difficult. For students who work part-time at school, food and clothing and going to school are much more important than keeping up with the joneses. Although such students are not rich at home, they are rich in spirit and have a positive outlook on life.
Individual students can't resist the temptation and choose online loans. The final result is often that they break up in discord. College students may feel that the money is within their repayment range at first, but they should know that the interest on online loans is very high. Our ordinary bank interest rate may appreciate obviously on a certain basis, but the interest rate of online loans is almost calculated on a monthly or daily basis, and it is also alarmingly high. In the end, it may roll into a huge sum that you can't afford yourself or your parents can't afford. So don't touch the net bag. If you have to touch online loans, you should immediately notify your family, pay off your debts as soon as possible, and stop losses in time.
What are the common college student loan scams?
1. Guarantee for others
I don't know if you still remember such a news about a female college student who just graduated from college. She was fooled by the boss of the company and guaranteed a huge debt of 90 million for the company.
College students who have just left college are full of enthusiasm if they find a job. In addition, they have lived on campus for a long time and know nothing about loans. In this case, they are easily fooled by horrible bosses.
be caught in a trap
This year, a news also attracted the attention of the society: a college student in Henan jumped off a building because of debts of several hundred thousand yuan, and the sources of these debts turned out to be a number of Internet campus loan platforms.
Nowadays, many online lending platforms are aimed at college students, and the temptation condition is "low threshold", while ignorant college students only see the superficial advantages, but ignore the high cost behind them.
3. ID card information leaked "loaned"
It is another source of income for many college students, and some lawless elements see business opportunities and claim that they can provide them, thus defrauding college students' identity card information and making them heavily in debt.
From these events, college students also have to reflect, but also pay attention to these points:
1. Protect personal identity card information from being stolen by criminals;
2. If there is a loan demand, you should know the basic knowledge of the loan before lending;
Don't promise to guarantee this easily, after all, the responsibility behind it may be beyond your responsibility.
College students jump off buildings in debt. Do family members and injured students need to repay the loan?
1. On these online lending platforms,
There is only one student ID card, and the institution directly lends money on the contract signed with the borrowing college students.
Did not directly sign a loan contract with the student himself.
Therefore, the responsibility lies in the lax review of the college student loan platform.
The fault is not the student whose student ID card is borrowed.
Therefore, college students who borrowed student ID cards don't have to go to the lending platform to repay.
2. Parents of college students who participate in the loan are not legally required to bear this debt.
Why do you say that? College students are adults. College students jumped to their death, and their parents left no property.
Debt transfer is based on property inheritance, and there is no property to inherit.
Biological parents also have no legal obligation to repay.
3. Now the lending business of the campus lending platform has stopped.
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, leaving a suicide note for his family and then disappeared. Later, his family kept receiving 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.
""
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: On 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!
For more exciting content, please pay attention to who to learn finance and economics with.
Write a composition about campus loans.
1. My Opinion on Campus Loan for College Students
The waves of the years beat against the reef of memory, breaking into a bubble, ebbing and flowing, abandoning the shells lying on the beach.
The sea is just around the corner, but I can't go back, so I have to savor that loneliness alone. Just like the flow of years stranded a 20-year-old boat, beautiful and youthful, frozen into a light blue landscape in the depths of age.
In this boat, I sailed to the other side of the university? Peaceful and orderly university life has been in my life for more than two months, and I am busy in classrooms, canteens and libraries every month. When I am completely immersed in the ocean of knowledge, my heart is full of satisfaction and peace. When I walk on the tree-lined path of the campus, breathing the air that belongs to the campus, content with every grass and tree on the campus, I often forget my poverty, and there are other "extraordinary" days in it? .
2. Write the campus online loan experience
Key points: First, explain the development status of campus online loans, then explain the reasons for the popularity of campus online loans, and finally discuss how students and schools can avoid such incidents.
Text:
With the hot internet finance, the online installment loan platform for college students has quietly become popular in the past two years, and it has quickly attacked university campuses. It is understood that many college students will choose online loans to buy high-tech products such as mobile phones and computers in stages.
Due to the convenience of online shopping, a considerable number of college students' daily necessities come from online shopping. Due to the limited living expenses, everyone can't afford to buy bulk commodities. However, in the past two years, with the emergence of online installment loan platform, some college students began to spend in advance and buy what they wanted through online loans.
The shape of the online loan platform, without guarantee, can be consumed and borrowed by stages by simply moving your fingers and filling in the information, which is obviously attractive to college students who are shy in their pockets.
Some college students love to keep up with the joneses, which leads to irrational consumption and can't keep up with the overdraft speed. I received a dunning message from an online lending platform. The borrower is my student Lin. He registered my name and phone number as a contact person, and sent the information to my mobile phone when dunning.
Facing the "campus loan", first of all, college students should be self-disciplined, master some necessary financial knowledge and learn to spend rationally. Of course, colleges and universities can also offer some financial courses to keep college students away from products, especially online lending platforms with particularly heavy penalties after default.
3. How to treat college students' naked loans as the topic of writing 800 words?
People who used to borrow money were mainly social workers. Nowadays, campus loans have also appeared in many university campuses, and many students have begun to borrow money to spend in advance.
In recent years, peer-to-peer lending platform is aimed at college students, and gradually penetrates the campus in the form of P2P lending platform, campus installment shopping platform and e-commerce installment payment platform. The quiet ivory tower has become the site of peer-to-peer lending platform.
Campus online loans are extremely harmful, so it is recommended that college students try not to touch such things.
Don't think it's a good thing to enjoy it in advance with other people's money. In fact, there are still many traps. After statistical analysis of the actual situation of campus loan fees, financial analysts found that, contrary to smooth loans, in order to repay campus loans smoothly, there are often several layers of skin besides principal and interest: in addition to intermediary fees, handling fees, agency fees, deposits detained by some platforms, etc.
How much does the real interest of these online loans cost? It may scare many people to say it. Financial analysts randomly selected 10 platforms to open campus loan business. In this 10 platform, the lowest annual interest rate of the loan is 9.56% and the highest is 36.75%.
The following is the tragedy caused by the recent campus online loan:
In March this year, a college student in a university in Henan obtained 600,000 yuan unsecured credit loans from different financial platforms through personal loans and loans with other student identities, and finally jumped off the building because he was unable to repay.
Xiaoli, the victim of "naked loan", initially borrowed 500 yuan from the peer-to-peer lending platform, but was overwhelmed by the weekly interest of up to 30%, with a total debt of 55,000 yuan, and was forced to owe a "naked loan".
If you don't want to be the protagonist of these tragedies, try not to touch campus loans.
4. How to write a composition about your views on campus life?
Reading, singing and laughing, smiling faces appear on campus, which makes people intoxicated? -inscription
1 (road)
I heard the sound of reading before entering the campus in the morning. Listen carefully to the sound: some read aloud at the top of their lungs, some read beautifully in a low voice, and some have a shrill voice? Many voices converge into a symphony, just like a magnificent team playing, how intoxicating! I also took out my English book and joined the team.
2(ruai)
After class, the students play happily on the playground, just like a group of birds, flying around happily. Some jump rope, some jump, and even play with eagles to catch chickens? How happy I am! Although they are all Grade One students, the students still look like children. Relaxation will also enrich life. I think they seem to be very happy and intoxicated when they play.
3 miles
During the break, there will inevitably be some friction and collision between students. Once, I saw such a scene. A classmate accidentally bumped into another classmate, and that classmate quickly said, "I'm sorry!" I didn't mean to! " The classmate who was hit didn't swear, just smiled and waved and said, "It doesn't matter!" Say that finish, two people smile at one another, back to their class. What a small thing, but it reflects the friendship between classmates. I was intoxicated by this friendly atmosphere again.
4(fa)
In class, students are very active in answering questions. No, the teacher just asked a question. It seems that someone is trying to rob him of his job, and the students are scrambling to raise their hands to answer questions. After seeing this situation, the teacher had to choose a few similar students to answer, but the teacher was very happy. This is also a reward for the teacher!
5 (Sao)
Teachers' Day is coming, and the students bring all kinds of gifts to congratulate their teachers. But the teacher said, "These gifts are not the best. Only good grades can make teachers more gratified! " Therefore, students will do well in exams to reward their teachers. At this time, the teacher's face will show a bright smile. What an intoxicating smile!
Campus, where we grow and study happily. I love campus!
On campus, you make me intoxicated, and I love you!
5. 1000 words on the dangers of campus loans.
Hello, the risks of peer-to-peer lending network: First, the lack of necessary risk control awareness and mechanism.
Most campus online lending platforms advertise themselves as "1 minute application, 1 minute review,1day loan, 0 mortgage, 0 guarantee". The threshold for loan application is low, and the procedures are very simple, and even the lender does not need to handle it in person. Second, there is a lack of regulatory subjects and necessary supervision.
Campus online loan belongs to internet finance, but at present, China implements separate financial supervision, which is not done properly in some places. Although it is well known that many college students do not have the ability to pay, some online credit institutions have developed them into a "cash cow" customer base, and students borrow and spend irrationally.
Third, lack of necessary financial knowledge and correct consumption concept. According to some previous reports, campus online loans are rarely used for college students' innovation and entrepreneurship, but more for personal consumption, especially for relatively expensive electronic products such as mobile phones and computers.
Because many college students lack basic financial knowledge, they don't know the calculation method and amount of loan interest, liquidated damages, late fees and other expenses. It is very likely to be burdened with heavy debts due to online loans, and even fall into a series of debts of "robbing Peter to pay Paul". In the end, parents have to go to the bottom, or lead to other bitter results. Class: 14050343 Student: Fan: Clean Campus Theme Class Meeting Summary "Clean Campus" Theme Class Meeting Summary China culture is profound and has a long history. Cleanliness is an important part of China traditional culture. As a descendant of the dragon, I have the responsibility to continue to pass it on. Therefore, our class responded to the call of the Youth League Committee of the College and launched the theme class meeting of Clean Campus.
The class meeting was very successful, the students spoke actively and the activity atmosphere was active. Everyone spoke freely and really had an ideological and moral lesson. Below I will make a summary of this class meeting.
20 13 10 17 was held in B-404, Tianyou Building, which kicked off the class meeting. The class meeting form is accompanied by ppt display, which drives everyone to discuss the integrity culture.
This ppt was carefully produced by members of the organizing Committee after receiving instructions from the Communist Youth League Secretary. Ppt starts with the train shuttle map with the characteristics of our college, and starts with Yu Qian's Poem of Lime, a poem in the early Ming Dynasty. Take Zhou Enlai's incorruptibility as an example to discuss incorruptibility.
His image shines in history and is deeply rooted in people's hearts. His story is famous in history and lasts for a long time! Yes, no matter how history develops and the times change, respecting and respecting honesty will always be the call of the times! Diligence and honesty will always be the main theme of the times! After ppt, some discordant notes were displayed, and the case of "a thousand miles of embankment was destroyed by an ant nest" surfaced, and corrupt officials came one after another. These discordant notes have repeatedly sounded the alarm for us to fight corruption and promote honesty, and the form is grim.
Next, I will introduce the official definition of honesty, and how college students can be honest: 1, innovation, 2, thrift, 3, determination, 4, honesty and law-abiding, 5, establishing a correct world outlook, and other specific methods to propose initiatives to students. Later, I introduced the Ballad of Integrity and Zheng Banqiao's poems to you, which made the atmosphere of the class meeting come with great interest.
Next, the communist youth league secretary learned from the school and put forward the clean initiative to everyone: be honest, walk honestly, study tirelessly, don't cheat in exams, don't default on loans, don't waste life, and don't do anything. Students also actively expressed their willingness to take the integrity test of the next exam.
At the initiative of the Communist Youth League Secretary, this class meeting has come to an end, but "cleaning the campus" is a long-term unremitting work, full of long-term, arduous and complex, and our class will pass this activity with satisfaction.
6. Help me write a 200-word composition about the school bullying incident.
Campus is a paradise for us to learn and a cradle for us to grow up. We are eager to study happily and grow up healthily in a harmonious and safe campus environment.
However, there are often discordant notes on campus. Perhaps because of a misunderstanding, someone added dirty words; Maybe because of an unintentional mistake, someone waved his fist?
Today, I watched an educational film-school violence, which tells us how to protect ourselves from others in real life. Campus violence tells the story of a boy named Xiangxiang. One day, my mother called Xiangxiang out for dinner for a long time, but he didn't come out. When she entered the room, she found Xiangxiang vomiting on the ground. Mother rushed him to the hospital, and the doctor said, "Xiangxiang is overeating." Mom thinks it's strange. Under the constant questioning of her mother, Xiang Xiang had to tell her family the truth of her extortion. It turned out that Xiangxiang was blackmailed by her senior classmates and gave them money every day, and more and more every time. Every time Xiangxiang gave them money, they went home and ate like crazy, afraid to tell their parents and teachers, which caused today's consequences.
7. A composition: understanding of the school
Campus and classes are my home. If you want to grow and study in a good environment. We should cherish everything there, we should love our home class and beautify our home.
As primary school students in the new era, we should correctly establish our own outlook on life and values. First of all, be an excellent young pioneer and abide by the rules and regulations of the school. At home, we should
Be a sensible and obedient child. In school, you should obey the teacher's arrangement and do things seriously according to the school rules. For example, you must get off when entering or leaving the school gate, and you must wear a red scarf and sign when entering the school gate. you can not
Wear slippers to school and so on. We must have the concept that "the class school is my home".
As primary school students, we should cherish everything in the school and don't destroy them. Because they are also alive, they have made their own contributions to mankind. It can also absorb and release carbon dioxide
Fresh oxygen; It can also beautify the environment and decorate nature; Make us live in this beautiful environment every day; It can also be made into furniture, which is of great help to us. Our school is being established,
It's beautiful now. If we destroy the flowers and plants there, such as E799BE5BAA6E59EE7A94313336393131tree, won't they give up all their efforts? What we students should do is to care for them, and also call on everyone to care for flowers and trees.
The campus is my home, and that class is also my home. We should also cherish everything in the classroom and protect the classroom environment. We can't scribble on the walls, desks and chairs, making them ugly and dirty. Such a learning environment is not what everyone wants. If we protect their original cleanliness and beauty, it will definitely give people a different feeling.
The school is creating a provincial quality school. As long as we in Qi Xin work together and actively cooperate, I believe the establishment will be successfully completed.
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