The standardization of online loans needs to increase penalties. Nowadays, many online loans are mainly students, which is very bad in itself. Moreover, there are many unreasonable places in online lending institutions, but there are some problems in seemingly simple repayment, which makes many college students suffer losses and help their parents. Even many students left this world because of online loans, and colorful youth was dyed with a strong black color. As can be seen from the internet, many borrowers are actually inexperienced students or young people who have just graduated. The formal online lending platform is ok, and the interest rate is not exaggerated. However, the interest rates of some small online lending platforms are actually equivalent to usury. After borrowing, I am not afraid that the borrower will not pay it back, because students in this period are more afraid of this kind of thing. In the event of violent collection, unfortunate accidents are likely to occur. This kind of thing has been staged countless times.

Therefore, campus loans are very evil, and this road to making money is full of blood. Moreover, the current online loan situation is very unhealthy, and it is ridiculous to make money even without applying. Many students want to borrow money to buy things they like. Formal platforms can't borrow much money or don't borrow money from students, so they can only borrow money from online loans. At first, I only borrowed 1000 yuan and 2,000 yuan, which gradually became tens of thousands of yuan under the superposition of interest. Then I began to fill the gap from another online lending platform, and finally I still didn't get the money. The mentality of college students is very fragile. In the face of long-term collection, psychological pressure has been rising. Many college students suffer from depression, and even worse, they commit suicide.

Therefore, it is very important to standardize the online lending platform. Online lending takes advantage of the psychology that these young people want to spend in advance and have no money. Therefore, it is necessary to further adjust the interest rate, and the punishment for violent collection is more serious, which will reduce the interest rate of online lending platforms, thus blocking the road of online lending, strengthening students' awareness of self-protection, rejecting online lending and staying away from online lending.