Recently, the official website of the China Banking and Insurance Regulatory Commission issued the "Notice on Further Regulating the Supervision and Management of Internet Consumer Loans for College Students".

The "Notice" clarifies that small loan companies are not allowed to issue Internet consumer loans to college students, and it is clear that institutions established without the approval of regulatory authorities are not allowed to provide credit services to college students.

As soon as this document was published, it immediately became a hot search topic.

Netizens’ comments show two trends: one side believes that informal online loans and naked loans should be regulated most; the other side believes that restrictions are a good thing, but they cannot be one-size-fits-all and control the student quota at a normal level. range, it doesn’t hurt to use it occasionally in emergencies.

A She once experienced financial collapse——

She didn’t know how to repay it, and she cried just thinking about it

The first time she came into contact with small consumer online loans was When Yueyue (pseudonym) first entered college, "I felt the difference between rich and poor for the first time - at that time, my monthly living expenses was 1,500 yuan, but my roommate could spend 1,500 yuan in one night. . ”

Now, Yueyue has started her internship in Hangzhou. After such a long time, she still clearly remembers the feeling of unbalanced mentality, "When I first entered school, my roommate gave everyone gifts, not only facial masks, but also hand masks, foot masks, and lip masks. I just graduated from high school. When I got into skin care products, I spent 500 yuan to buy a set, which already felt like a huge sum of money."

Then my roommate moved into the dormitory and bought a lot of furniture, "she used clothes hangers, The trouser clips are all made of wood, and they are hangers that feel a little sticky to the touch but will not slip off." Yueyue said that these details all reflect the quality of life between people. The gap was magnified by the fact that she was still young at the time, "My mentality was extremely unbalanced. Most of the people I met were born in middle-class families or above. Some of them went to the UK in high school and were exposed to IELTS very early. and TOEFL.”

In the beginning, Yueyue did not use the loan. She had excellent grades and received a scholarship of 20,000 yuan. She gave half of it to her mother. "I spent the other half in just two months: I bought about 30 pieces of clothes, all from Japanese brands, single pieces." It's also very expensive."

After spending all the money, Yueyue's desire to consume became more impulsive and uncontrollable, "I'm in love. The other party treats me too much, so I want to return the treat. , but the restaurant is not cheap, a meal costs three to four hundred yuan, and I can’t say that we should eat cheaper.”

Skin care products, cosmetics, clothes, curling irons... these make Yueyue conflicted. Happy things can only be obtained with money. By the time she realized it, she had almost used up her online loan limit. The bills came, they were 2,000 yuan and 5,000 yuan respectively.

If you choose monthly installment repayment, the monthly repayment will be about 2,000 yuan. But what should a college student do if he has no fixed source of income? She said helplessly: "I have to borrow money from different friends every month to repay the loan. When the living expenses at home arrive, I will repay the money to my friends."

In this way, the interest on the cash out increases day by day, month by month. Gradually entering a vicious cycle: "I am cashing out every month to repay the money, and the monthly installments are also increasing. In those one or two years, I will always owe about 7,000 yuan. A senior student who studied finance reminded me, saying The interest rate will be very high, but I have no choice but to keep using it.”

During those one or two years, I often couldn’t sleep, not knowing how to repay, and sometimes I thought about repaying it. Will cry. With dark circles under her eyes, she looked at the Douban group, "There is a 'Debtors Alliance' there, and many of them started with small online loans like me. I was very scared."

At that time , the mobile phone frequently pushed: Someone owed more and more, and finally became a debt collector and came to shore, and the naked loan case was exposed... Everything made Yueyue panic. After a year or two, I borrowed too many times, and I could only repay the loan every month and could not borrow any more.

As a last resort, Yueyue confessed to her father, "I told him that I owed 4,000 yuan - I only dared to say half. I borrowed 5,000 yuan and repaid 4,000 yuan, and the remaining 2,000 yuan was around. I borrowed money from a friend and paid it back."

During this period of financial collapse, Yueyue didn't dare to think about it, "I really don't know how I survived because of the debt, all aspects of my life were affected. "

Now, Yueyue's life is back on track, and online loans have a shadow. "Many people think that the benefits are very convenient if they are spread out every month, but once this hole is opened, , If you don’t control yourself, it’s easy to spend impulsively.”

For ordinary college students, once the amount of borrowed money reaches a certain level, it will be difficult to repay it. “Even if you convince yourself to save money next month, it will be very difficult. It is difficult to save money, unless you have amazing perseverance, it will be difficult to get it back after you owe money."

Having experienced these things, I strongly support this new notice from the China Banking and Insurance Regulatory Commission. She feels that if loans to college students are banned, she can ask someone to borrow money if she really needs it, including her parents and friends, but the psychological struggle of asking will make her realize whether she needs to spend the money.

Yueyue said that she shared this period of her history because she wanted her juniors to see it and not to imitate her, but to learn how to save money and keep accounts. It is normal for people to have a gap between rich and poor, but you must understand that true friendship does not require equal financial resources, and you will not be ignored or looked down upon because your family background is inferior. The most important thing is that your mentality must be correct. . ”

B She once used online loans to solve her urgent needs -

But she must control her desire for consumption

Compared with the gloomy years, Fu Fu (pseudonym) had a relatively smooth life using online loans for consumption. “In the past few years, you could apply for small online consumer loans without any conditions. When I applied for the first time, I had a limit of 2,000 yuan, which is equivalent to My monthly living expenses."

Fufu said that many people around him use it, "This is a very common thing, especially around Double 11, I will need a loan. When I pay it back, I will get the installment bill.”

The most I borrowed was 2,000 yuan a year during Double 11. “The online loan is not fixed, it can be used for food and shopping. I will use it when I don’t have enough living expenses.”

However, Fufu is very restrained and usually keeps it within 500 yuan. Fufu said that this was also for his own consideration, otherwise it would be "painful" to repay it.

Fufu’s classmates are also using it, “Just use the online loan as living expenses, 500-1,000 yuan a month, and then when your parents’ living expenses arrive next month, you can just pay it back.”

“It’s very convenient and can be used in emergencies sometimes.” Therefore, Fufu does not agree with prohibiting college students from using online loans. She believes that stricter management of the credit limit is the most important. “If it is overdue once, it will have a negative impact on the entire The use of Alipay will be affected, and it will generally not be overdue. "

Fufu said that some of her classmates were overdue, and then their credit scores fell below 600: "This is quite troublesome. "

Fufu believes that the key to online loans lies in how you use them. “If you can use it reasonably, it can solve your daily urgent needs. But if you don’t use it well, you will be trapped. Every month you use it every month.” Also, this is an endless cycle.”

(To protect the privacy of the parties, all names in this article are pseudonyms)