Credit services provided by traditional e-commerce platforms such as 1, JD.COM and Taobao.
2.p2p loan platform, which is used for college students' education and entrepreneurship, such as investment loans and famous school loans.
3. Shopping platforms specially designed for college students by stages, such as fun staging and appointment staging. And the Ministry of Industry and Information Technology also provides a lower cash withdrawal amount.
Ps: Other campus products provided by banks for college students, such as the "lightning loan for college students" of China Merchants Bank, the "Golden Bee Campus Express Loan" of China Construction Bank and the "Learning E Loan" of Qingdao Bank.
The market for campus loans is mainly distributed in second-and third-tier cities. When children in third-and fourth-tier cities and rural areas are admitted to universities, some families cannot afford their children's financial needs for consumption, study and even entrepreneurship in cities. The rapid expansion of consumer desire will prompt students to find loan platforms through various channels, even private usury.
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Matters needing attention in online lending
2065438+08129 October, 18 The first batch of borrowers of peer-to-peer lending platforms maliciously evaded debts and were included in the central bank's credit information system, and were punished for breach of trust, involving an overdue amount of nearly 200 million yuan. The so-called malicious evasion of debts refers to the act of being able to repay, but not fulfilling the obligation to repay.
Since the development of online lending 10 years ago, malicious evasion of debts has always been a chronic disease in the industry. Especially recently, some P2P online lending institutions have frequent risks, and some borrowers have taken the opportunity to maliciously evade debts and fail to pay them back within the time limit, which has aggravated the risks in the P2P online lending industry. The insiders believe that incorporating malicious debt evasion information in the Internet finance field into the credit information system and implementing disciplinary measures for dishonesty will help urge borrowers to repay in time.
At the same time, it is also conducive to purifying the Internet financial environment. With the gradual implementation of the regulatory policies of the entire online lending industry, the situation of malicious evasion of debts and malicious running of the platform will be greatly reduced, and the online lending industry will develop more healthily.