Characteristics of campus loans: 1. Although campus loans have the advantages of convenient application, simple procedures, and rapid disbursement, they also have characteristics such as lax information review, high interest rates, and high liquidated damages. The number of students is constantly increasing. Due to their consumption desire and luck, they may fall into the trap of "serial loans", and supervision needs to be strengthened urgently. 2. The risk control measures of campus consumer loan platforms vary greatly, and some platforms have the risk of student identities being used fraudulently. In addition, some platforms that provide cash loans for students have difficulty controlling the flow of loans, which may lead to excessive consumption by students who lack self-control. 3. As the number of student online loan platforms increases, simply lowering loan interest rates and increasing loan amounts to attract attention will only make more and more student borrowers fall into the installment trap, discredit their own credibility, and reduce the profitability of the platform. cause losses.