In late February, some students from Hunan Institute of Technology reported to the police that the 22-year-old suspect Li was using their personal information to make credit loans online without permission. , but was unable to repay the debt. The police investigation found that there were 27 student victims in this case, and the amount involved was nearly 1 million yuan! Recently, the Linghu Police Station of the Zhuhui Public Security Bureau of the Municipal Public Security Bureau captured the criminal suspect Li.

According to reports, Li is a student of Class 1302 of the Mechanical Manufacturing and Automation Major of the School of Mechanical Engineering of Hunan Institute of Technology. He served as the chairman of the student union of the college in 2014. He took advantage of his position to defraud many people in the name of starting a business. Students applied for high-value loans, and the amount involved was nearly one million yuan.

The "Information Report on the Li Ning Case" (hereinafter referred to as the "Information Report") issued by the school shows that Li Ning began to use his student identity to handle loan business on online platforms since he became the president of the student union in 2014. After the event is completed, a certain commission will be given to the students who provide identity information.

In 2016, when Li Ning was unable to repay the loan, it also used the same method to organize some freshmen to apply for online loans to offset their liabilities. Eventually, due to the increasing amount of interest, it was declared unable to repay.

According to preliminary statistics from the school, most of the on-campus students involved are freshmen from the 2016 class, and there is one student from an external school; the amount of defrauded loans for each student ranges from 10,000 yuan to 70,000 yuan, and the amount involved in the case The total amount is 849,396 yuan.

The "Situation Briefing" stated that in the end, due to the increasing amount of loan and interest arrears, Li Ning was no longer able to pay off its debts. Afterwards, the students involved reported the matter to the public security organs, and Li Ning has been detained by the local police station.

The police said that Li Ning has now been detained. "The general process is to prosecute first, and then whatever the sentence is."

As for how to deal with students' loan arrears, the school A staff member from the Security Department said: "We have held a meeting with these students on March 1st to appease them, and are now discussing how to solve the problem."

"In fact, the school has a strict policy on 'Preventing Campus Loan Traps' The publicity is very good, it is promoted every year, and promotional materials are posted in the main buildings.” On March 6, a teacher surnamed Xue from the school’s publicity department told The Paper, as to why the school has not done so for more than two years. It was discovered that Li Ning was committing loan fraud because the students were all adults and their actions were relatively hidden, making it difficult for the school to discover.

"We carry out investigation of hidden dangers of 'campus loans' every year. The school has done a good job, but this cannot avoid personal factors." The teacher surnamed Xue added, "Campus loans are generally It is done in private, and students only want to expose it when there is a dispute over their interests.”

Further reading: Illegal fund-raising

Illegal fund-raising refers to the use of fraudulent methods to illegally raise large amounts of funds. . Illegal fund-raising often involves the crime of fund-raising fraud, which involves illegal possession for the purpose of violating relevant financial laws and regulations, using fraudulent methods to illegally raise funds, disrupting the country's normal financial order, infringing on public and private property ownership, and involving large amounts. According to Article 4 of the "Interpretation of the Supreme People's Court on Several Issues Concerning the Specific Application of Law in the Trial of Criminal Cases of Illegal Fund Raising", any person who uses fraud methods to commit the acts listed in Article 2 of this Interpretation for the purpose of illegal possession shall be punished in accordance with Article 19 of the Criminal Law. Article 12 provides for conviction and punishment for the crime of fund-raising fraud. Illegal fund-raising using fraudulent methods can be deemed as "illegal possession for the purpose of illegal possession" under any of the following circumstances:

(1) The funds raised are not used for production and business activities or are used for production and business activities and raising funds. The scale is obviously disproportionate, so that the funds raised cannot be returned;

(2) The funds raised are squandered wantonly, so that the funds raised cannot be returned;

(3) Escape with the funds raised;

(4) Using raised funds for illegal and criminal activities;

(5) Escape, transfer funds, conceal property, and avoid returning funds;

(6) Concealing or destroying accounts, or engaging in fake bankruptcy or bankruptcy to evade the return of funds;

(7) Refusing to explain the whereabouts of funds and evading the return of funds;

( 8) Other circumstances that may identify the purpose of illegal possession.

Article 5 If an individual commits fund-raising fraud and the amount exceeds 100,000 yuan, it shall be deemed as a “large amount”; if the amount exceeds 300,000 yuan, it shall be deemed as a “huge amount”; If the amount exceeds RMB 1 million, it shall be deemed as “especially huge amount”.