The interest rate is relatively low.
Second, what are the good loan platforms for college students?
Golden beans are divided into stages, and you can use them by downloading APP directly.
3. What are the advantages and disadvantages of college students' online loans?
The disadvantages of college students' online loans outweigh the advantages.
1. Campus loan is a property. Criminals aim at colleges and universities, taking advantage of college students' poor social cognitive ability and weak psychological defense to carry out short-term and micro-loan activities. On the surface, this kind of loan is "small profits but quick turnover", but in fact, criminals get 20-30 times the bank's interest rate and make students' money at will. 2. Campus loans will breed bad habits of borrowing students. The financial source of college students mainly depends on the living expenses provided by their parents. If students have the psychology of keeping up with the joneses and have bad habits at ordinary times, then the expenses provided by parents are definitely not enough to meet their needs. Therefore, these students may turn to the campus to obtain funds, which may lead to bad habits such as gambling and alcoholism, and may seriously skip classes and drop out of school because they are unable to repay. If the loan cannot be repaid in time, the lender will use various means to collect debts from the students. Some lenders will ask for a certain value of goods as collateral when lending, and will collect students' student ID cards and copies of their ID cards, so they are very familiar with students' personal information. Therefore, once a student fails to repay the loan on time, the lender may use intimidation, beatings, threats and other means to collect debts violently, which will do great harm to the personal safety of students and the campus order of colleges and universities. Some criminals use ""to commit other crimes. Lenders may use students' mortgages and deposits on campus, or use students' personal information to make phone calls to defraud credit cards. Please be cautious in handling "online loans" and "small loans". Don't apply for a loan to others or provide a guarantee for others in your own name because of persuasion or being blinded by the so-called "benefit fee". If you need to apply for "online loan" or "micro-loan", you must consult your parents and banks, and beware of being deceived. Second, how to solve the online loan for college students? 1, legislation to clarify the legal status of online credit; 2. Clarify the subject and responsibility of supervision; 3. Establish and improve the supervision system; 4. Rectify the propaganda behavior of online credit platform; 5. Improve the credit information system of college students; 6. Restrict dunning; 7. Strengthen the prevention, education and guidance of bad network credit risks in colleges and universities.