Campus loan, also known as peer-to-peer loan for college students, mainly refers to an online loan platform for college students to realize peer-to-peer lending business. Both borrowers and borrowers can use this online platform to realize peer-to-peer lending transactions. In real life, many campus loan platforms still have loan chaos, high temptation, high interest rate and violent lending. Therefore, the government and the private sector should strengthen prevention.
Peer-to-peer lending platform should fully consider the repayment ability of college students before granting loans to them. Set basic thresholds for college students' loans, such as requiring parents' consent or mortgage. By strengthening the qualification examination, controlling the loan amount of college students, ensuring the prevention and control of capital risks, and reducing the bad debt rate of college students' loans.
The urgent task for college students is to establish a correct view of consumption and learn some financial knowledge. Universities and governments should guide students to learn to correctly distinguish high-quality and legal financial services and guard against falling into the trap of usury. For example, many campus online loans applied for a loan of 2,000 yuan, but the actual payment was only 1400 yuan, among which various service fees were as high as 600 yuan. If the repayment is delayed for a few days after the maturity, they begin to use illegal means such as threatening the borrower with violence or exploding the address book for collection.