Due to work reasons, in the second half of last year, I began to contact with bad campus loans, trying to expose the trap of bad campus loans.
Mao said that she had two questions: First, how did the student loan change from several thousand yuan to several tens of thousands yuan in a short time? The other is what pain points the institutions that collect illegal interest have caught students and why they are so confident.
With these two questions, Mao Jingyu used Post Bar and WeChat platform to find an online loan intermediary and entered the collection QQ group to find the answer. After several months of silent observation, Mao gradually formed his own view of the mirror moon.
"In the past, we have been promoting the harm of bad campus loans to students, but what is bad campus loans? Where is the harm? These are actually unclear, and the students are also confused. To tell the harm thoroughly and vividly, we must personally experience the routine of bad campus loans. " Mao Jingyu said that many online lending platforms have changed their patterns. Some let students sign a letter of guarantee to prove that they are not students before online lending, and some let students sign installment contracts to implement disguised lending in the form of pretending to buy goods.
"These bad campus loan contracts seem to be legal. In fact, there are many incomprehensible terms and the interest rate is not clear." Mao gave an example. The gimmick of a loan with a monthly interest rate of 0.99% has created the illusion that the interest rate is not high. However, after deducting the money, she found that the actual annual interest rate of this online loan reached 2 1.25%, plus various handling fees and agency fees. The interest rate of some bad campus loans can reach 50% or even 200%.
Mao found that compared with formal loans, these campus non-performing loans have a lower threshold and require few documents. There are also various online loan bars and collection groups on the Internet. These gangs have special skills to teach lenders to collect money, and also provide services such as door-to-door collection and "SMS bomb" bombing. Once students don't pay, they will be harassed in various ways until the arrears are paid off.
"Through practical experience, I have received all kinds of harassing calls. The dunner cursed and threatened to order flowers for the students, even saying that if the students didn't pay back, they would come to school and take them away. I am curious why these dunning calls are so emboldened. " Mao told reporters that most students are scared after receiving such a call, and some even hide in the dormitory and dare not go out.
"Students have no ability to ask their parents to pay back the money. Lenders have information about their students at school. Most of these students are only children. Many parents are afraid that their children's bad loans will affect their studies. Therefore, few people would rather repay these high interest rates that are not protected by law to settle things. " Mao said to:
Using these materials, Mao made a video called "It's time to expose bad online loan routines today" and played it as a lecture and teaching film for students to watch. Who knows that once the video was launched, it quickly spread to the Internet and was well received by peers. Many university teachers and counselors ask her for video materials. After the video spread on the Internet, it attracted the attention of all walks of life.
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