Although campus loan has the advantages of convenient application, simple procedures and rapid loan, it also has the characteristics of lax information review, high interest rate and high liquidated damages. Students may fall into the trap of "chain loan" under the inflated consumption desire and fluky psychology, and it is urgent to strengthen supervision.

Second, the risk of campus loans.

The risk control measures of campus consumer loan platforms are quite different, and individual platforms are at risk of being fraudulently used as students. In addition, some platforms that provide students with cash loans are difficult to control the flow of loans, which may lead to excessive consumption of students who lack self-control.

With the increasing number of student online loan platforms, only by lowering the loan interest rate and increasing the loan amount will more and more student borrowers fall into the installment trap, discrediting their own reputation, reducing the profitability of the platforms and causing losses.

Third, the trap of campus loan.

The campus loan threshold is low, the procedure is simple, and no guarantee is needed to attract college students. When making a loan, as long as you provide your ID card and student ID card, you can provide a loan through the online platform, and claim that you can make an interest-free loan.

College students should be a relatively simple group, and they will not be very rigorous in considering problems. For example, they hardly consider how to deal with the loan when it expires, thinking that it is still zero interest, but it is not, and the result is the dilemma of high interest; It is easy to believe the information claimed by the platform. When you buy electronic products in installments, you are often asked to pay a certain service fee, which is actually a disguised high interest rate and you are not informed in advance. Therefore, there are still many opaque information that is not conducive to us in campus loans.

College students' general self-control ability is not high. For example, when we choose online loans, we usually buy high-priced mobile phones, help our girlfriends have a good birthday, borrow money to travel and so on. This is an overdraft for the future, which is likely to affect our life in the next month. What is even more frightening is that some people borrowed hundreds of thousands of yuan from different network platforms in order to gamble online. Because of the loss, they chose to jump off a building to commit suicide.

Online lending platforms often exaggerate the benefits in publicity. In order to reduce doubts about online lending, seniors are used for publicity, which leads to all kinds of unexpected things.