? What is online lending? As the name implies, it refers to loans made through the Internet. Online lending also has a name-Internet finance. This is the inevitable trend of Internet development. Internet credit originated in Britain and then spread to the United States, Germany and other countries. Online lending is divided into two situations, credit reporting and credit reporting.
What is the impact of college students' online loans? 1. The rates of some online lending platforms are not clearly marked, and the expressions such as handling fees, overdue fees and liquidated damages are hidden, which may tightly lock the loan students. Once the repayment is overdue, college students are likely to be unable to bear the loss of funds, resulting in a credit crisis of early consumption.
2. Due to the low threshold of online loan installment consumption, it provides a platform for college students to spend in advance and luxury consumption. However, many college students are heavily in debt because of impulsive consumption, which brings trouble to their normal study.
In case of overdue payment, it will affect the personal credit information of college students in the bank. Once you have a personal credit stain, you will have to pay more than others in the future, whether you apply for a credit card or a loan, and you may even be rejected.
4. Once some small-scale online lending companies change, there will be hidden dangers in the disclosure of private information such as student ID cards and ID cards of college students.
How to use online loans reasonably and keep personal information and documents closely? Loans must go to the formal platform. Loans must be used in the right direction. Don't trust loan advertisements easily. Establish a correct concept of consumption. First of all, college students should establish a correct concept of consumption and don't blindly follow the trend.
Secondly, if you really need a loan, you'd better consult experienced people such as parents and teachers first. It is best to choose formal banks and platforms for loans, and carefully read the collection of various fees, service fees and management fees. If college students don't borrow money themselves and don't lend their ID cards to others easily for friendship, it will cause a lot of trouble when collecting debts.
In addition, you should also pay attention to protecting your ID card, student ID card and other key information, and don't sign any guarantee documents related to so-called good friends.
Tighten the string of prevention to prevent fraud. At present, college students are a group with no source of income. It is good to have a platform to provide loans, but it does not encourage excessive consumption. After all, there is no source of income at present. On the basis of reasonable consumption control, college students should make good use of the platform to cultivate their own financial management concepts.
Online lending is nothing new among college students. We should treat all existing and emerging problems rationally, establish our own correct consumption concept and avoid irrational consumption.