1. What is the campus loan in China? Campus loan refers to the behavior of students borrowing money through various lending platforms. Strictly speaking, campus loans can be divided into five categories: (1) e-commerce platforms with e-commerce background-credit services provided by traditional e-commerce platforms such as Taobao and JD.COM, such as ants borrowing flowers and JD.COM campus white bars; (2) Consumer finance companies-such as interesting staging and arbitrary staging. , some also offer a lower withdrawal amount; (3)P2P loan platform (online loan platform), which is used to help college students start businesses, such as famous school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business; (4) Offline private lending-private lending institutions and lenders, commonly known as usury. Usury usually carries out false propaganda, offline contracts, illegal intermediaries, and charges ultra-high interest rates. At the same time, there are problems such as violent collection, and victims usually suffer huge property losses and even threaten their own safety. (5) Banking institutions-campus products provided by banks for college students, such as "lightning loan for college students" of China Merchants Bank, "Golden Bee Campus Express loan" of China Construction Bank and "Learning E loan" of Qingdao Bank. Second, the harm of campus loans Campus loans are actually campus online loans, which refers to the behavior of college students borrowing money from some online lending platforms. There are four main types of online loans, e-commerce platforms with e-commerce background, consumer finance companies, P2P lending platforms (online lending platforms) and offline private lending. Among them, online loans have always been the main loan channel for college students. In 20 15, the Credit Management Research Center of Renmin University of China conducted a survey of nearly 50,000 college students in 252 universities across the country, and wrote the Survey Report on College Students' Credit Cognition. Among them, the survey shows that 8.77% of college students will choose to use loans to obtain funds in order to make up for the lack of funds, of which online loans account for 50%. At the same time as the rise of online loans, the exposure of college students committing suicide by jumping off a building and naked loans has gradually surfaced the other side of online loans. Let more people see the hidden dangers of campus loans. In fact, many college students have actually fallen into the "trap" of online lending when they come into contact with loans. Campus loans use low-interest and convenient loans to attract college students to be deceived. Because some college students are vain about material things, some bad habits or the expenses provided by their parents can't meet their needs, which is the reason why students turn to campus loans to obtain funds. In this way, it is easy for lenders to use "usury" to threaten students to repay loans, or to defraud students of deposits and mortgages. It may even lead to excessive consumption and usury, because some students lack self-control. Serious may bring life-threatening to students. Now everyone has a certain understanding of what campus loans are, right? Campus loan is similar to an adult applying for a loan from a bank, except that there are almost no other conditions for applying for a loan. The only requirement is that students are in school and the interest is close to usury. Due to a series of huge social hazards caused by campus loans, many departments of the state have jointly rectified campus loans, and formal lending platforms, such as Alipay, have officially stopped the cash loan business.