Choose a safe lending institution and fully understand the lending company before lending.

In order to prevent bad campus loans, you can follow the following steps:

1. Choose lending institutions carefully: avoid borrowing from illegal financial institutions, and suggest choosing formal banks or consumer finance companies to borrow. 1.

2. Know the loan conditions in detail: Before applying for a loan, read the loan contract carefully to understand the loan interest rate, term, handling fee and other conditions to avoid unreasonable conditions such as short term.

3. Strengthen self-protection

4. Don't trust the invitation by phone or SMS: Bad campus loans often sell loan products to students by phone or SMS. It is recommended not to trust such invitations easily, so as not to encounter swindlers.

5. Pay attention to your financial situation: Pay attention to your financial situation. If you find yourself in financial difficulties, ask your parents or school financial staff for help in time.

6. Try to avoid overdraft

Bad campus loan refers to the behavior of illegal financial institutions to attract students to borrow money in the name of loans, with short term and simple procedures. This kind of loan usually has great fraud and consumption trap, which may lead to students' financial difficulties and credit damage.

How to prevent it

Campus, as its name implies, takes place on campus. Borrowers are mainly students, while lenders come from many sources.

Before the national policy standardized campus online loans last year, the economic safety accidents of students caused by campus loans occasionally occurred; After the promulgation of the campus online loan policy, many loans gradually went out of the campus, and campus loans were effectively managed.

However, the consumption of campus students is subjective, and some students tend to spend habitually and are easily caught, so it is easy to cause some problems. Let's analyze how to effectively prevent campus.

1. Prevention first

The best way to deal with campus problems is prevention. "Tao Te Ching" says: It's not easy to seek chaos when it's easy. It means that the problem is the easiest to solve at the beginning, and once it becomes a big problem, it needs to spend more time, energy and cost to solve it. For the campus, teachers and students need to take precautions together. Teachers should carry out social safety education irregularly, so that students can establish safety awareness. Secondly, for students, it is necessary to establish the habit of rational consumption, avoid taking the road of high consumption and avoid being infected.

Positive response

In campus loan, because the loan is a relatively private problem, some students want to solve the problem by themselves, which leads to more and more serious problems and finally more and more troubles. In school, teachers and classmates should have a proactive spirit to find possible campus problems. For students who may be trapped, only active publicity and care can find more problems and solve them well.

What are the basic measures to eliminate campus loans?

1. Colleges and universities should strengthen education in law, finance and safety. A large number of students are deceived, which reveals their weak anti-fraud awareness and legal awareness, and also reflects the weakness of school safety education. Many college students did not seek legal help at the first time when they found themselves trapped, which eventually led to tragedy. This also shows that it is urgent to strengthen the rule of law education for college students and guide them to take up legal weapons to protect themselves.

2, the regulatory authorities should strengthen supervision. It is bound to be a protracted war to completely solve the campus loan chaos, which requires relevant departments to continuously increase supervision and crackdown by improving the financial supervision system.

Financial supervision departments, online lending platforms, schools and public security organs can explore the establishment of information sharing mechanisms, timely warn suspicious people and suspicious problems, monitor the development and operation of campus lending platforms in real time, and protect students from illegal hands. At the same time, we can also make full use of the credit information system, require the loan platform to upload the lender's information in real time, plug the regulatory loopholes in time, and realize the whole chain and whole process supervision.

3. Revise and improve relevant laws in a timely manner. There are no directly related crimes in China's criminal law, only the crime of illegally absorbing public deposits and the crime of lending at high interest rates. Relevant charges and penalties should be set up in the criminal law to strengthen the restriction on them, increase the illegal cost and give full play to the role of law in punishing evil and promoting good.

Extended data:

Campus loans seriously disrupt the campus environment and market environment, and seriously endanger students' personal and property safety and social stability. The Ministry of Education and other departments jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans in 20 17, explicitly requiring institutions established without the approval of the banking regulatory authorities not to enter the campus to provide credit services for college students.

The public security organs have always maintained a high-pressure attack on campus loans. Not long ago, Shenyang Public Security cracked a campus loan case involving 10 million yuan. In addition, many commercial banks increase the research and development and promotion of financial products such as student aid, training, consumption and entrepreneurship in colleges and universities, and provide standardized and legal financial services for college students, thus driving non-performing online loans out of campus.