If you can, you'd better not borrow money. Under normal circumstances, the school requires to pay off the loan two years after graduation. It's stressful. Two years after graduation is the time to start. If you are in a hurry to find a job to repay the loan, the loss is not worth it. Of course, you can get a loan if you really need it.

Benefits: 1 Loans have no interest, which can reduce the burden on families. I can help you apply for poor students. If you have an investment vision, you can invest in something after the loan.

Disadvantages: repayment, interest after graduation, and great pressure.

Trouble: it is difficult to apply. We need many certificates.

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. A simple and popular understanding is that borrowing money requires interest. Through loans and monetary funds, banks can meet the needs of society for supplementary funds, expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Loan risk classification refers to the process that commercial banks classify loans according to the degree of risk. Its essence is to judge that the following objectives should be achieved through loan classification:

(1) Reveals the actual value and risk degree of the loan, and truly, comprehensively and dynamically reflects the loan quality.

(2) Find the problems in the process of credit management in time and strengthen the loan management.

(3) Provide a basis for judging whether the loan loss reserve is sufficient. The debtor may repay the loan principal and interest in full and on time.

The loan classification should follow the following principles:

(1) principle of authenticity. Classification should truly and objectively reflect the risk status of loans.

(2) the principle of timeliness. The classification results should be dynamically and timely adjusted according to the changes in borrower management.

(3) the principle of importance. For many factors affecting loan classification, the key factors shall be determined according to the core definition in Article 5 of these Guidelines for evaluation and classification.

(4) the principle of prudence. For loans that are difficult to accurately judge the borrower's repayment ability, the classification level is appropriately lowered.

What are the disadvantages of college loans?

To put it simply, the advantage is that college students can get it and use it for consumption, entrepreneurship, tourism and so on. , so that domestic consumption. Disadvantages: College students do not have the ability to repay the principal and interest, which will make borrowers fall into repayment difficulties. In addition, college students have not yet established a correct concept of consumption, and there are cases of excessive consumption and waste, and bad atmosphere is more likely to affect other college students.

Advantages of college students' loans:

Compared with ordinary adults, college students have less disposable funds, but at the same time they are the main consumers of fashion products, so we can promote social consumption in this way. For students, such a new consumption pattern has solved the contradiction between insufficient amount and timeliness. For merchants, selling goods is profitable.

For the whole market, it has increased market demand and expanded market space. Moreover, college students' online loans and installment loans can bring more opportunities for college students' consumption, which has certain positive market significance. For example, how can this way help students achieve consumption more effectively, instead of encouraging irrational consumption?

Disadvantages of college students' loans:

It is prudent to use peer-to-peer lending platform for relatively large expenditures such as venture loans and tuition fees. The success rate of college students' entrepreneurship is low. Entrepreneurship itself is venture capital, and peer-to-peer lending rates are high. If it doesn't go well, the road to entrepreneurship will be more difficult.

College students need to plan their own consumption reasonably, insist on moderate consumption, and resolutely avoid unreasonable consumption that is advanced, fashionable and worthy of pride. On the one hand, college students should see the impact of these internet financial tools on their consumption behavior, on the other hand, they should be able to analyze and explore the commercial applications of these tools, such as whether these tools can support innovation and entrepreneurship.

Moreover, everything is two-sided. "Campus finance" itself is also a way of managing money and an overdraft credit consumption, which will inevitably bring interest and other business expenses arising from loans. Therefore, we must be alert to the word "trap" in the clause of "campus financial services" and be aware of risks.

Need to know the qualifications and background of the loan company in detail. It is worth mentioning that college students' own repayment ability and financial management ability must keep up. Lack of common sense loan knowledge is likely to lead to some tragic experiences.

What are the hazards of campus loans?

At present, the hazards brought by campus loans mainly include the following:

1, which is much higher than the interest of the principal. 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.

2. Bring troubles to classmates and family around you. 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 a student's loan is not repaid, the online lending platform will not recover the money through proper channels, but will use threatening means such as sending text messages to parents, relatives and friends, teachers, posting posters on campus, and even arranging people to come to the door to stop and urge students to pay their debts.

It is easy to breed the bad habit of borrowing. Some students like to compare with others and have bad habits. The expenses provided by 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, easy to induce other crimes, lenders may use the campus "student collateral, deposits, or use student information to engage in telephone fraud, fraudulent credit cards, etc.