1. Campus loans will cause property losses to students.

Criminals aim at colleges and universities and take advantage of the poor social cognitive ability and psychological fragility of college students 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 campus usury to obtain funds, which may lead to bad habits such as gambling and alcoholism, and may seriously drop out of school because they cannot repay.

3. If the loan cannot be repaid in time, the lender will take various measures to collect debts from the students, endangering the personal safety of the students and disrupting the order of the campus.

When making a loan, some lenders will require certain value items as collateral, collect students' student ID cards and copies of their ID cards, and are very familiar with students' personal information. Therefore, once students fail to repay their loans on time, lenders may resort to intimidation, beating, threatening students and even their parents to collect debts violently, which will do great harm to the personal safety and campus order of college students.

Extended data:

There are many risks and harms in campus loan. Although a large number of campus loan incidents have been frequently exposed in recent years, there are still students involved in the loan storm, because students lack a certain sense of self-protection, giving criminals an opportunity. When facing various loan platforms on the Internet, we must be vigilant.

For college students, we must develop good consumption habits, don't compare with others, and learn more about the harm of campus loans. At the same time, when there is a demand for capital loans, you must have a formal financial license to borrow.

Phoenix. Com- campus loan into campus harm: full of routines and bloody lessons!

Phoenix. Wang Zijian talks about campus loans. The harm is too serious and the consequences are too terrible. Be careful when lending!

Baidu Encyclopedia-Campus Loan-Social Harm