Mainly manifested in violent collection. Campus loans will cause property losses to students. Criminals target colleges and universities, taking advantage of college students' poor social cognition and psychological weakness to carry out short-term, small-amount loan activities. On the surface, this kind of loan is "small profit" "Sell more", but in fact the interest rates obtained by criminals are 20-30 times that of banks, and they wantonly make money from students.
1. Campus loans will breed bad habits among borrowed students. The financial resources of college students mainly depend on their parents. If students have a comparison mentality and have bad habits, then the fees provided by their parents will definitely not be enough to meet their needs. . Therefore, these students may turn to campus loan sharks to obtain funds and develop bad habits such as gambling and alcoholism. In serious cases, they may drop out of school due to inability to repay.
2. If the loan cannot be repaid in time, lenders will use various means to collect debts from students, endangering students' personal safety and disrupting campus order. Some lenders will require items of a certain value as collateral when lending. Moreover, they need to collect copies of students’ student ID cards and ID cards, and know the students’ personal information very well. Therefore, once students cannot repay their loans on time, lenders may use means of intimidation, beatings, and threats to students and even their parents to violently collect debts and punish students. causing serious harm to personal safety and the campus order of colleges and universities.
3. Online lending stands for online lending, including individual online lending (i.e. P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through the Internet platform. Internet micro-loans refer to small-amount loans provided to customers by Internet companies through micro-loan companies they control, using the Internet. What we need to guard against are unscrupulous online loan platforms. They use various "incentives": zero threshold, no mortgage, online review, and the fastest three minutes to get the money, inducing students to over-consume, or even fall into the "loan shark" trap, infringing on students' legitimate rights and interests. .
4. The harm of bad online loans
As for the impact and harm of bad online loans on college students, it is mainly manifested in violent collection of debts. Many campus online loan platforms commonly use uncivilized collection methods, such as "relationship collection." When students borrow money, they are required to fill in the real contact information of several classmates, friends or relatives. If they cannot repay on time, the platform will inform the student's circle of overdue information, seriously disturbing and harming the student who borrowed the loan. Another example is "naked note" loans. When students borrow money, they are required to take a "nude note" (take a nude photo with their ID card) as an IOU. If they cannot repay the loan, they will be threatened to release the nude photos to their family and friends. These uncivilized collection methods will not only affect students' normal study and life, but also affect their outlook on life and value orientation, and sometimes cause irreparable mistakes.
5. College students should (1) strengthen their awareness of prevention and identify the traps in online loans.
The first is the issue of unclear rates. In order to seize the market and compete, campus online lending platforms will conceal or blur the actual tariff standards, overdue fees, liquidated damages, etc. According to the survey, about 60% of the platform rates are unclear. After the deadline, the difference between the highest and the lowest daily rates is as much as 60 times, which has become a "loan shark". The second is to simplify the process. In order to facilitate promotion and expand the number of users, many "campus online loan" platforms have a very simple review process for college students applying for loans. After filling in multiple pieces of personal information, the information is mainly confirmed through remote video and other channels. Some even only need to provide student ID cards and ID cards to apply.
(2) Strengthen self-management capabilities and cultivate a sense of diligence and thrift.
As a college student, we must learn to consume rationally, rationally, and scientifically, and we must realize that advanced consumption, excessive consumption, and herd consumption are wrong concepts. We must learn to formulate consumption plans and reasonably arrange living expenses. When you really need a loan, you should choose a loan through formal channels and patiently discuss with your school teachers and family members. They will always be your first "firewall". In daily life, you should improve your self-control on consumption, think before you act, and try not to make impulsive purchases. Developing the habit of daily journaling helps remind and discipline yourself.
(3) Consciously understand financial credit and network security knowledge and relevant laws and regulations.
In order to strengthen the risk prevention and educational guidance of bad online lending on campus, various universities will work with financial institutions, online loan regulatory agencies, network security and other departments to organize report meetings, lectures, knowledge competitions and other activities to popularize Knowledge of financial credit and network security and related laws and regulations.
In order to avoid falling into the trap of online lending, we must actively participate in report meetings and lectures, develop a pair of "sharp eyes", and avoid unnecessary troubles caused by bad lending platforms.