1. Which department is responsible for campus usury? 1, the loan platform failed to fulfill its review obligation, and it was responsible for the frequent occurrence of non-performing loans on campus, which became a nightmare for college students who were deeply involved. What kind of responsibilities should the platform perform while undertaking the obligations of the borrower? The reporter of Financial Investment News consulted a legal person in this regard. The interest rate should not be higher than 4 times the bank interest rate. "At present, there are two main types of illegal campus loan cases." Lawyer Zhang, director of Beijing Wentian Law Firm, told the reporter of Financial Investment News. One is that the loan qualification review is too loose, and some students borrow too much; The second is to use the "naked strip" as a guarantee and make it public when the loan cannot be returned. There are some matters needing attention in college students' lending behavior. First, according to the current laws and regulations, the highest interest rate of private lending does not exceed four times that of bank loans in the same period. At present, the benchmark interest rate of one-year loans of financial institutions is 4.35%, which also means that the "effective" interest rate of campus loans should be within 17.4%. Second, the borrowing company needs a financial license issued by the financial supervision department, otherwise the contract signed with the borrower is invalid. 2. The lender who fails to fulfill the obligation of review must review the needs of the borrower to determine whether it is a qualified borrower; If you fail to fulfill this obligation, you need to bear the corresponding responsibility for negligence. Among them, the lender's responsibility should be defined according to the specific review items and the causal relationship of non-repayment. "For example, college students have mental problems, but there is no review. The responsibility of the lender is100%; If it is due to personal extravagance and waste, the lender will bear the responsibility of 10% to 20%. " 3. Campus non-performing loans hit the legal red line. Bad campus loans have touched some legal red lines. Among them, the lender illegally sells or discloses personal information such as the borrower's ID card on the Internet, which is suspected of infringing citizens' personal information; Lenders posted nude photos of students on the Internet, which violated students' right to privacy. As victims, they can claim civil tort liability from publishers. In addition, it is illegal to use nude photos as collateral, and this mortgage behavior is invalid. To sum up, the question of which department is responsible for campus usury has been told to everyone. The harm of bad campus loans is very great. Some non-performing lending institutions will continue to threaten students by taking advantage of their fear of telling parents and teachers, while non-performing campus loans often touch the bottom line of some laws, and some will infringe on citizens' personal privacy and personal information.