In recent years, because of the low threshold of online lending, loose review, no mortgage and fast lending, it has been pervasive in many colleges and universities. In the case of strict restrictions on the issuance of bank credit cards on campus, online loans have satisfied many students' consumption impulses. Many college students have no sense of crisis, and some students who spend more will use online loans. However, the "pies falling from the sky" look beautiful, but some are "open traps on the ground". Online loans can really solve the urgent need, but some online loans induce students who have no financial resources to make irrational consumption, which is easy to cause a situation that is difficult to clean up. This should attract the attention of regulators.
At present, there are many chaos in campus online lending, and relevant departments should intervene in the regulation and supervision of online lending industry to guide the healthy development of internet finance. For college students who have independent civil capacity, considering their limited awareness of default risk, we should further strengthen the education of loan risk. On the one hand, it is necessary to help them establish a correct outlook on life and consumption, and correct unhealthy behaviors such as excessive consumption and comparison consumption; At the same time, on the other hand, we should also guide college students to improve their sense of responsibility and credit, and prevent them from falling into economic problems.
Prior to this, many online lending platforms charged high "beheading interest" in the name of handling fees, and often this handling fee was not low. Now some online lending platforms use handling fees to cover up interest rate violations. Although China has defined the legal standard of 36% annualized interest rate of loans, it will become an important means for online lending platforms to make huge profits if the handling fee is not stopped or restricted.
In life, you must be more careful when you encounter such a risky thing. You can ask friends around you if you don't understand.