As a person working in the media industry, I often come into contact with victims of some incidents. I have long since learned to listen to them. The person I met for an interview was a junior girl who was a victim of a campus loan. I will call her Xiao Zhang here for the time being. In the beginning, I only met Xiao Zhang on social platforms. When she learned that I worked in the media industry, she wanted to talk to me about some of her own personal experiences, hoping that I could reflect on campus issues through me. The topic of loans. After meeting, we quickly started a conversation about campus loans.
Xiao Zhang told me that the first time she came into contact with campus loans was in her sophomore year, because she was very envious of her roommates at that time. All her classmates were using new mobile phones, and as a girl, she naturally also She likes to dress herself up beautifully, so she often buys some cosmetics online, but the burden of these consumer expenditures is relatively high for Xiao Zhang's family economy. Later, Xiao Zhang met a person who claimed to be doing credit business through some small advertisements. At that time, the other person did not ask Xiao Zhang any information about her family situation or source of income, but only asked her how much money she needed.
Xiao Zhang borrowed 8,000 yuan at that time. At the beginning, he always felt that if he saved a little money every month, he could pay back the 8,000 yuan soon. But when borrowing the money, the other party made a request. He told Xiao Zhang that there was no need for any collateral to borrow the money. In order to prevent Xiao Zhang from not paying back the money overdue, he asked her to get naked and take a photo of her holding her ID card. There is a short video of about three minutes.
Xiao Zhang was very hesitant at the time, but considering that he really needed the money, he still made up his mind to comply with the other party's request, and he ignored it in the loan agreement signed with the other party. One of the most important things is that the loan agreement did not state the exact amount of interest. It was only stated verbally that the interest rate was 30 per week.
One week’s interest is as high as 2,400 yuan. How does Xiao Zhang, whose monthly living expenses are only 1,500 yuan, pay for it? Later, Xiao Zhang had no choice but to move around and make up for the interest first. Later, under the inducement of the other party, he kept writing IOUs one after another. Even Xiao Zhang herself didn't know how many IOUs she had written. In the end, the other party asked her for 400,000. If she paid, she would call her parents and publish his photos and videos to the school. website, or her classmates.
Xiao Zhang was very scared at the time, and finally called her home in desperation. After being silent for a while, I asked her what she did with the last money. Xiao Zhang told me that her father finally sold a house in his hometown to help Xiao Zhang pay off the debt. I asked Xiao Zhang why she didn’t want to call the police. At that time, Xiao Zhang told me that there were many things she had to do because she had no choice but to do so because the other party had her photos and videos and she didn’t know what kind of drastic actions the other party would do. move. As a girl, especially when I am still studying in school. Her youth shouldn't be ruined because of something like this. Xiao Zhang said that she thought about committing suicide during that time, but her parents kept encouraging her.
The main reason why Xiao Zhang is willing to share these things with me is that she hopes that I can tell those ignorant students what happened to her, hoping that they will not go astray again for the sake of unnecessary vanity. He paid a heavy price for his heart and ultimately harmed others and himself. Sometimes I often reflect on what these children are thinking. Why can’t we always stand the temptation of life? They were so pure when they first entered college, but under the stimulation of consumption, they gradually distorted their values. The university is a tomb, but it is also like a train. Some passengers sit on soft sleepers, which makes the journey smooth and comfortable, while others sit on hard seats, which will bruise themselves all over.
The reports about campus loans have long been known to everyone, but this industry is like a centipede, dead but not dead.
Even though they have been severely suppressed and condemned by the media, there are still many illegal small loan companies still operating.
How is the interest on these "campus loans" calculated?
Why do I have to pay back 400,000 yuan after borrowing 8,000 yuan? First, suppose you borrow 1,000 yuan. According to their so-called weekly interest rate of 30 yuan, they will get back 2,200 yuan after one month. This is still assuming that you repay the loan on time, and this part of the small loan company usually asks you to write Submit a double IOU, that is, if you borrow 1,000, he will write you 2,000.
Are these "campus loans" legal?
Such a "campus loan" with compound interest is definitely not in compliance with national laws, but these small loan companies are exploiting loopholes. They will not include any usury words in the IOUs, they will only follow the Write an ordinary IOU. It seems reasonable to only withdraw money from the lender, the date of the loan, the amount of the loan, the due date of repayment, etc.
Borrowers often overlook these things because they are eager to use money. Therefore, once a student falls into this kind of campus loan, he must try to obtain relevant evidence to prove that the other party is charging usury. The court will not support interest that exceeds the statutory provisions. If a small loan company threatens a single nude photo or video, students should immediately report the case to the public security agency, or even file a civil lawsuit with the court, requesting the other party to bear criminal liability for infringement of their reputation rights to protect their reputation. own vital interests.
Why do so many victims of “campus loans” dare not speak out?
Most students who are caught up in this kind of online loan will always have great psychological pressure. They are afraid that people around them will know their past. Often these students are greedy and vain, and go astray in order to satisfy their own consumption desires. They do not want their masks to be taken off. What's more important is that many girls are afraid that their photos will be distributed, which will affect their studies. Therefore, when faced with violent debt collection, they all chose to remain silent.
Finally, what I want to say is that online lending is not actually a crime. What is really a crime is your own inflated desire. We should not judge and condemn students who take online loans. In fact, how many people can withstand the temptation of life? It can only be said that human nature is sometimes very difficult to understand. These loan lenders know that students have no ability to repay, but they still want to use human desires to obtain high benefits. I just sincerely hope that all students can face their own needs and stop being greedy for vanity and falling into online loans. This will only make a beautiful life farther and farther away from us. Not every story will have a perfect ending. Even if it is resolved, someone will still get hurt.