1. Consumer finance companies: such as interesting staging and arbitrary staging. , and some also offer lower withdrawal quotas;
2.P2P loan platform (online loan platform): used for college students' education and entrepreneurship, such as prestigious school loans. Due to national regulatory requirements, most formal online lending platforms, including prestigious school loans, have suspended campus loan business;
3. Offline private lending: private lending institutions and lenders, commonly known as usury. Usury usually carries out false propaganda, offline contracts, illegal intermediaries, and charges ultra-high interest rates. At the same time, there are problems such as violent collection, and victims usually suffer huge property losses and even threaten their own safety.
4. Banking institutions: campus products provided by banks for college students, such as "Flash Loan for College Students" of China Merchants Bank, "Golden Bee Campus Express Loan" of China Construction Bank and "Learning E Loan" of Qingdao Bank.
Extended data
Negative events of campus loan:
2065438+March 2006, a college student in Henan Province used his own identity to obtain hundreds of thousands of unsecured credit loans from different campus financial platforms, and committed suicide by jumping off a building when he was unable to repay. ?
On April 7th, 20 16, Yu Moufei, a senior student in Fujian, set up his own financial service company to defraud his classmates' identity information, and his loans on eight online lending platforms were exposed. Involving 19 students, with a total amount of more than 700,000 yuan.
2065438+June 2, 2006, 65438+2006, college students' "naked strip" loan group: threatened to release nude photos if they don't pay back the money. Naked strip means that female college students use nude photos to borrow money. In the event of default, the lender threatened to expose nude photos and contact the borrower's parents, forcing the borrower to repay.
On August 65438, 20 16,/kloc-0, 2065438, campus loans exploded again: students were in debt of one million. Liang, a student from a university in Jilin, joined the campus loan account manager and offline agent to find students to "swipe their bills", which led to students being defrauded of huge sums of money.
Baidu encyclopedia-campus loan