Recently, a poster with the slogan of a bank printed on it has been widely circulated on the Internet? Don't worry about the bride price, borrow a stable happiness? The maximum bride price loan is 300,000 yuan, the loan period is one year, and the annual interest rate is 4.9%. It can be seen that this kind of loan is aimed at young people who want to get married but don't give bride price. Loans can be used for bride price, wedding travel, car purchase, etc.

This kind of loan is not uncommon. You can get a loan to get married or buy a cemetery. A cemetery in Kunming launched a mortgage loan with a maximum loan of 200,000 yuan and a term of 10 year. As long as you search online, you will find all kinds of wonderful loan projects. Although the relevant banks quickly canceled the credit project, it still caused various controversies on the Internet.

This kind of loan will stimulate young people to enjoy in advance, but induce them to borrow things that are unable to repay, and either party may suffer. Especially young people, how can we avoid falling into the loan trap?

At present, many financial companies are targeting at young people, most of whom have just entered university life and finally entered university from boring high school life, especially young people who go to university in other places, and finally get rid of the restrictions of their parents and can freely control the living expenses given by their parents. This makes their consumption desire gradually expand.

But most students come from ordinary families, and their living expenses for one month are fixed. College students have no income, which becomes a contradiction. On the one hand, there is an inflated desire, on the other hand, the living expenses given by parents are limited, and Internet finance has an opportunity.

Want to buy a mobile phone, cosmetics, bags and the like, everything needs money. What if I have no money? It doesn't matter. There are also online loans. There's always one for you.

Loans are easy. After completing the formalities, the loan will come down in a day or two. When you get the money, you can buy it at buy buy immediately. It's the repayment date in the blink of an eye. What is that? My parents didn't give me enough money, so I borrowed from the east and the west, and even opened a number of online loans, and finally I couldn't extricate myself.

For young people with poor self-control, it is too tempting to get loans easily, but excessive consumption makes young people fall into the loan trap.

20021March 17, official website, China Banking Regulatory Commission issued an announcement prohibiting microfinance companies from issuing consumer loans to college students, and banks and financial institutions should also issue them cautiously. Now that consumer loans are everywhere, it is necessary for the regulatory authorities to impose regulatory restrictions on young people's consumer loans.